Select the right PHP network for your employees
Finding the right network is key to helping contain costs—either by opting for a narrower network for upfront savings on premium or by verifying a network has the doctors your employees see most as to avoid higher out-of-pocket costs or denied claims. Begin by considering these factors:
- Where is your company based and where do the majority of employees live?
- Is cost the only factor in making this decision?
- How important is it for employees to have access to a larger pool of doctors and facilities?
PHP members have coverage wherever they go!
PHP includes the following provisions with ALL of our networks.
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.
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.