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Small group plans are for those groups with 2-50 employees. Our small group plans are available with the Freedom or the Options network, and we also have both HMO benefit plans as well as point of service (POS) plans which combine an HMO benefit package with out-of-network benefit coverage. This allows members to choose healthcare services from a non-contracted provider at a reduced benefit level.
Small HMO Freedom
Small HMO Freedom
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Small HMO Freedom plans are perfect for businesses of 50 or less employees who are looking for a broad network of provider and facility options at the lowest risk level to them as an employer.
Compare Plans Why PHP? | Platinum HMO 1 23 | Gold HMO 3 23 | Gold HMO 5 23 | Silver HMO 6 23 |
|---|---|---|---|---|
| Individual Deductible | $500 | $2,000 | $2,500 | $5,400 |
| Family Deductible | $1,000 | $4,000 | $5,000 | $10,800 |
| Individual Out of Pocket Max | $1,500 | $5,000 | $5,000 | $9,100 |
| Family Out of Pocket Max | $3,000 | $10,000 | $10,000 | $18,200 |
| Coinsurance | 20% | 20% | 30% | 30% |
| Primary Care Office Visit | $20 | $30 | $30 | $40 |
| Specialist Office Visit | $40 | $60 | $60 | $80 |
| Urgent Care | $50 | $60 | $60 | $80 |
| Emergency Room | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance |
| View Full Details | View Full Details | View Full Details | View Full Details |
Small HDHP HMO Freedom
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Compare Plans Why PHP? | Silver HSA H1 23 | Silver HSA H3 23 | Silver HSA H5 23 | Bronze HSA H3 23 |
|---|---|---|---|---|
| Individual Deductible | $3,000 | $5,000 | $6,000 | $7,500 |
| Family Deductible | $6,000 | $10,000 | $12,000 | $15,000 |
| Individual Out of Pocket Max | $6,000 | $5,000 | $6,000 | $7,500 |
| Family Out of Pocket Max | $12,000 | $10,000 | $12,000 | $15,000 |
| Coinsurance | 30% | 0% | 0% | 0% |
| Primary Care Office Visit | 30% | 0% | 0% | 0% |
| Specialist Office Visit | 30% | 0% | 0% | 0% |
| Urgent Care | 30% | 0% | 0% | 0% |
| Emergency Room | 30% | 0% | 0% | 0% |
| View Full Details | View Full Details | View Full Details | View Full Details |
Small POS Freedom
Small POS Freedom
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Small POS Freedom plans are perfect for businesses of 50 or less employees who are looking for a broad network of provider and facility options at the lowest risk level to them as an employer.
Compare Plans Why PHP? | Platinum POS 1 23 | Gold POS 1 23 | Gold POS 4 23 | Silver POS 6 23 |
|---|---|---|---|---|
| Individual Deductible | $500 | $1,000 | $2,000 | $5,400 |
| Family Deductible | $1,000 | $2,000 | $4,000 | $10,800 |
| Individual Out of Pocket Max | $1,500 | $6,000 | $7,500 | $9,100 |
| Family Out of Pocket Max | $3,000 | $12,000 | $15,000 | $18,200 |
| Coinsurance | 20% | 30% | 20% | 30% |
| Primary Care Office Visit | $20 | $30 | $30 | $40 |
| Specialist Office Visit | $40 | $60 | $60 | $80 |
| Urgent Care | $50 | $60 | $60 | $80 |
| Emergency Room | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance |
| View Full Details | View Full Details | View Full Details | View Full Details |
Small HDHP POS Freedom
Small HDHP POS Freedom
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Small HDHP POS Freedom plans are perfect for businesses of 50 or less employees who are looking for a broad network of provider and facility options at the lowest risk level to them as an employer and who are willing to have a higher deductible in exchange for lower monthly premiums.
Compare Plans Why PHP? | Silver HSA P3 23 | Silver HSA P5 23 | Bronze HSA P3 23 | Gold HSA P2 23 |
|---|---|---|---|---|
| Individual Deductible | $5,000 | $6,000 | $7,500 | $3,000 |
| Family Deductible | $10,000 | $12,000 | $15,000 | $6,000 |
| Individual Out of Pocket Max | $5,000 | $6,000 | $7,500 | $3,000 |
| Family Out of Pocket Max | $10,000 | $12,000 | $15,000 | $6,000 |
| Coinsurance | 0% | 0% | 0% | 0% |
| Primary Care Office Visit | 0% | 0% | 0% | 0% |
| Specialist Office Visit | 0% | 0% | 0% | 0% |
| Urgent Care | 0% | 0% | 0% | 0% |
| Emergency Room | 0% | 0% | 0% | 0% |
| View Full Details | View Full Details | View Full Details | View Full Details |
Small HMO Options
Small HMO Options
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Small HMO Options plans are perfect for businesses of 50 or less employees who are content with a narrower network of provider and facility options and who want the lowest risk level to them as an employer.
Compare Plans Why PHP? | Gold HMO 34 23 | Gold HMO 35 23 | Gold HMO 36 23 | Silver HMO 36 23 |
|---|---|---|---|---|
| Individual Deductible | $2,000 | $2,500 | $3,000 | $5,400 |
| Family Deductible | $4,000 | $5,000 | $6,000 | $10,800 |
| Individual Out of Pocket Max | $7,500 | $5,000 | $5,000 | $9,100 |
| Family Out of Pocket Max | $15,000 | $10,000 | $10,000 | $18,200 |
| Coinsurance | 20% | 30% | 20% | 30% |
| Primary Care Office Visit | $30 | $30 | $30 | $40 |
| Specialist Office Visit | $60 | $60 | $60 | $80 |
| Urgent Care | $60 | $60 | $60 | $80 |
| Emergency Room | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance | $400 + Coinsurance |
| View Full Details | View Full Details | View Full Details | View Full Details |
Small HDHP HMO Options
Small HDHP HMO Options
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
Small HDHP HMO Options plans are perfect for businesses of 50 or less employees who are looking for a broad network of provider and facility options at the lowest risk level to them as an employer and who are willing to have a higher deductible in exchange for lower monthly premiums.
Compare Plans Why PHP? | Gold HSA H32 23 | Silver HSA H33 23 | Silver HSA H35 23 | Bronze HSA H33 23 |
|---|---|---|---|---|
| Individual Deductible | $3,000 | $5,000 | $6,000 | $7,500 |
| Family Deductible | $6,000 | $10,000 | $12,000 | $15,000 |
| Individual Out of Pocket Max | $3,000 | $5,000 | $6,000 | $7,500 |
| Family Out of Pocket Max | $6,000 | $10,000 | $12,000 | $15,000 |
| Coinsurance | 0% | 0% | 0% | 0% |
| Primary Care Office Visit | 0% | 0% | 0% | 0% |
| Specialist Office Visit | 0% | 0% | 0% | 0% |
| Urgent Care | 0% | 0% | 0% | 0% |
| Emergency Room | 0% | 0% | 0% | 0% |
| View Full Details | View Full Details | View Full Details | View Full Details |