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PHP offers a wide variety of products - perfect for any business.

To find out what product might be the best fit for your company, visit our Plan Finder tool.

Group Health

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.

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FSA & HRA

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.

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Self-Funded

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.

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Dental

Through MetLife, 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.

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Vision

Through MetLife, groups have the option to offer cost-effective vision coverage with over 95,000 access points.

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Life & Disability Insurance

PHP offers life and disability insurance products from MetLife, 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.

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Pharmacy Coverage

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.

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Find Your Plan

Ready to find the insurance plan that best fits your business' needs? Let us get to know you with a few quick questions and a PHP Sales Representative will help you find the perfect plan.

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Is Self-Funded for Me?

Groups of 25 or more are eligible to pursue self-funded plans as opposed to traditional group health plans. With self-funded plans, you can cut out the middleman and likely save money because of it.

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