No, where you go for care is up to you. Since you are paid a fixed amount for covered services up to an annual maximum amount, the plan doesn’t restrict you to a specific network of doctors or providers.
In some cases, however, you could save money by choosing to stay within a network of providers offering lower rates through your Health ProtectorGuard fixed indemnity plan.
Keep in mind that your main health insurance may require you to stay within a certain network of providers.