Products

With group health products, employers pay premiums to PHP for coverage of benefits outlined in a contract, and PHP then pays the healthcare claims based upon this contract. With this product, the financial risk is transferred to PHP as the insurance carrier, and an employer can rely on a set monthly premium.

An FSA provides a lower out-of-pocket cost for employees. This type of plan often lowers your payroll taxes, as well. An HRA works with a health plan to give you lower premiums and tax savings.

Groups of 25 or more employees are eligible for a customized self-funded plan instead of traditional group health plans. This means the employer is financially responsible for the healthcare expenses but there is no monthly premium to an insurance carrier.

Through Companion Life, groups have access to various ancillary products such as dental coverage. This gives you the freedom to choose any dentist and is available for all group sizes.

Eye exams, frames, lenses, and contacts are all available through the VSP Vision Care Discount Program offered through PHP. This is available with all PHP medical plans – members just have to show their ID card at the time of service.

PHP offers life and disability insurance products from Companion Life, a trusted and experienced company. Life insurance offers financial income to a named beneficiary in case of death. Disability insurance helps replace lost income due to a non-occupational accident or sickness.

All of our PHP medical plans come with coverage for prescriptions and pharmacy needs. We want our members to get the most out of their healthcare insurance coverage. When understood and used effectively, the pharmacy benefit can save you money on the cost of prescriptions, maximizing your overall benefit.