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Breaking news!: Physicians Health Plan of Northern Indiana to join Priority Health. Read more in the full media release.

New! Dual Network Plans

We now have a network solution that offers potential savings on monthly premiums, and at the same time, gives employees more control in selecting the network that is the best fit for their budget and healthcare needs.

How does a Dual Network work?

When renewing or at the time of sale, an employer selects one of our Dual Network Benefit Plans for their coverage. Once enrollment is opened to employees, the employee then has the choice of selecting either the PHP Freedom Network, with the most broad selection of providers, or the PHP Options Network, that offers a lower premium, as they complete their enrollment for coverage.

Is there a participation requirement to offer a Dual Network Plan?

Yes, these plans are available to groups with three or more enrolling employees. LEVEL Solutions plans must have five or more enrolling employees. Also, approved choices must be made available to all employees.

What counties offer access to Dual Network Plans?

Dual network plans are only available to employers in the following counties: Adams, Allen, DeKalb, Elkhart, Fulton, Huntington, Kosciusko, LaGrange, LaPorte, Marshall, Miami, Noble, Pulaski, St. Joseph, Starke, Steuben, Wabash, Wells, and Whitley.

Learn more about Dual Network Plans


Plan Comparisons

Small Group Plans - Dual Network

Large Group Plans - Dual Network

LEVEL Solutions Plans - Dual Network


Features with all PHP networks:

Emergency Coverage

All PHP members have world-wide coverage for emergency services.  An emergency is defined “Inpatient or outpatient hospital services that are necessary to prevent death or serious impairment of health and, because of the danger to life or health, requires use of the most accessible hospital available and equipped to furnish those services” according to the Department of Health and Human Services.


Remote Employees are Covered through EncoreCombined Network

PHP provides complete network access for employees that live outside of the plan service area through the EncoreCombined Network. 


Dependent Students 

To keep our student members healthy and well cared for, PHP extends in-network coverage for dependent students when they are away at college. College students may seek treatment from providers near campus as if they are in-network doctors. Simply notify PHP that a dependent college student is living outside the service area and we’ll take care of the rest.