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About United FUGI Insurance Plan Universal Drug  Universal Classic Universal Protection EZ Life
Universal Classic Plan
- The comprehensive Medical and Health Savings Plan
  Overview
  Physician
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  Frequently Asked Questions
  Hospital Network
Galaxy Health Network Hospital (GHNH) program provides Members with access to over 2,500 acute-care hospitals nationswide. Members have the opportunity to save 10~30% or more. Remember, this program is not insurance and Members are responsible for paying the discounted bill in full. Members are able to utilize any in-network provider or facility as often as needed.
Important Notice: In case of an emergency, immediately contact your doctor directly or call 911.
How To Access Your Discounts:
Step 1:
PRE-PLANNED SERVICE Savings for Pre-planned/Non-Emergency services are only available with the required pre-certification and referral number. The negotiated estimated payment portion amount needs to be secured prior to the Member receiving any services by calling 800-975-3322. Once GHNH has confirmation of ability to pay a referral number will be provided.
EMERGENCY VISIT - Members must notify GHNH and receive a referral number within forty-eight (48) hours of an Emergency Visit by calling 800-975-3322 or GHNH is not responsible to negotiate.
Step 2:
NEGOTIATED SAVINGS - A Representative will coordinate all resources and negotiate with the provider and/or facility for contracted savings. Prior to the procedure, the Representative will obtain a good faith estimate of the cost involved for the treatment and inform the member of their estimated payment portion in writing. Note: Members must process their claim through GHNH before submitting the claim to an insurance carrier. Members are not eligible for savings through GHNH if they ask a Provider/Facility to file an insurance claim for them.
Step 3:
ARRIVAL FOR SERVICES - Upon arrival for services, present your GHNH membership card to provide proof of the right to services to GHNH Providers/Facilities along with the precertification referral number obtained from the MSC representative in order to ensure proper billing of services rendered.
PAYMENT PROCESS
SECURE PAYMENT - Members will be responsible for any payment after either insurance and/or contracted discount is applied. All payments will be made directly to the facility and/or provider of services.
PAYMENT METHOD - Members have the option to secure payment using the following methods or any combination thereof as preapproved by the facility and/or provider: Cash, Check, Credit Card, Insurance Payment, Medical Savings Account Funds, or other certified funds.
Very Important!!!
Members must call 1-800-975-3322 to pre-certify and receive a referral number, If a Member fails to obtain pre-certification or referral number and a bill is received, the bill will be returned to the Member as "Self-Pay" resulting in the Member being responsible for all billed services in full. Pre-certification documentation will be sent to the Provider/Facility upon request.
Hospital discounts are not available in AK, HI, MD, RI, VT, WV, and WY.
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