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Small Group Plans

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.

2024 Plans

 

2023 Plans

Small HMO Freedom
Small HMO Freedom

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 500/1500 24Gold HMO 2000/5000 24Gold HMO 2500/5000 24Silver HMO 5400/9400 24
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$9,400
Family Out of Pocket Max$3,000$10,000$10,000$18,800
Coinsurance20%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
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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 Freedom
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Why PHP? 		Silver HSA HMO 3200/6000 24Silver HSA HMO 5200/5200 24Silver HSA HMO 6000/6000 24Bronze HSA HMO 7500/7500 24
Individual Deductible$3,200$5,200$6,000$7,500
Family Deductible$6,400$10,400$12,000$15,000
Individual Out of Pocket Max$6,000$5,200$6,000$7,500
Family Out of Pocket Max$12,000$10,400$12,000$15,000
Coinsurance30%0%0%0%
Primary Care Office Visit30%0%0%0%
Specialist Office Visit30%0%0%0%
Urgent Care30%0%0%0%
Emergency Room30%0%0%0%
View Full DetailsView Full DetailsView Full DetailsView Full Details
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
Small HDHP POS Freedom
Small HMO Options
Small HMO Options

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 OPT 2000/7500 24Gold OPT 2500/5000 24Gold OPT 3000/5000 24Silver OPT 5400/9400 24
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$9,400
Family Out of Pocket Max$15,000$10,000$10,000$18,800
Coinsurance20%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 DetailsView Full DetailsView Full DetailsView Full Details
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
Small HDHP HMO Options

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 OPT 3200/3200 24Silver HSA OPT 5200/5200 24Silver HSA OPT 6000/6000 24Bronze HSA OPT 7500/7500 24
Individual Deductible$3,200$5,200$6,000$7,500
Family Deductible$6,400$10,400$12,000$15,000
Individual Out of Pocket Max$3,200$5,200$6,000$7,500
Family Out of Pocket Max$6,400$10,400$12,000$15,000
Coinsurance0%0%0%0%
Primary Care Office Visit0%0%0%0%
Specialist Office Visit0%0%0%0%
Urgent Care0%0%0%0%
Emergency Room0%0%0%0%
View Full DetailsView Full DetailsView Full DetailsView Full Details
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.