Health Plans
Medical Plans

Preferred Provider Option (PPO) Plans

PPO plan designs encourage participants to see network providers by offering them a higher level of benefits than if they see an out-of-network provider.

Exclusive Provider Option (EPO) Plans

EPO plans are similar to PPO plans, but offer lower or no out-of-network benefits.

Consumer-Directed Plans

New consumer-directed health plans provide an incentive for employees to take responsibility for their health care by combining a high-deductible health plan with individual tax-advantaged health savings accounts (HSAs) or employer-funded health reimbursement arrangements (HRAs).

Wellness Incentive Plans

A wellness incentive plan encourages employees to take better care of their health and thereby reduces the demand for health care resulting from illness.  These plans are gaining popularity among employers because of the positive impact on the health of their employees.

Our Network

Physicians Care has developed a network of over 65,700 health care providers that covers most of Michigan, outside of the greater Detroit/Flint metropolitan areas.