Health Plans
Choose Physicians Care and Discover the Benefits

Physicians Care Health Plans (PCHP) offers a variety of health benefit plans to meet virtually any employer’s needs.  Our health plans are built around our network of over 65,700 providers.  We offer fully insured and self-funded plan designs, as well as new consumer-directed plans.

Our expertise in the design and management of self-funded health benefit plans is unsurpassed.  Physicians Care’s self-funded plans are managed in a fully transparent manner so you will know how every dollar is spent.  We even offer self-funded plans designed for companies with as few as 25 employees.

We also offer employers a way to reduce health plan costs by combining a traditional high-deductible health insurance plan with a very limited form of self-funding, a Medical Reimbursement Arrangement (MRA).  Buying a higher deductible reduces premiums significantly (e.g., approximately 20% for a $1000 deductible vs. a $250 deductible), and the MRA allows the employer to fund part of the high deductible for the employee but still save money versus buying insurance coverage with a lower deductible.

Physicians Care offers a full range of consumer-directed health plan options that empower covered persons to take control of their health care spending.  You can consider Physicians Care plan options that use the new Health Savings Accounts (HSA) or Health Reimbursement Arrangements (HRA), as well as the more traditional Flexible Spending Accounts (FSA).  We offer access to any one or a combination of these accounts through a convenient debit card.

Our health management program is an ideal companion to any consumer-directed plan.  Physicians Care’s health management is a comprehensive approach to improving the health of individuals that participate.  It starts with a comprehensive health risk assessment then blends disease management, lifestyle and wellness education, and financial incentives to support and encourage covered persons to become wiser consumers of health care.

Our Website, is available 24 hours a day, seven days a week to provide comprehensive health plan information to employers, employees, providers, and agents.  This application of technology benefits everyone involved with a Physicians Care health plan.

We provide every client, large or small, with the same care and quality service.  Each PCHP client is assigned to a dedicated client service team that is focused on meeting their needs.

Don’t settle for less than Physicians Care Health Plans!
For a comparison of your existing health plan design or for help with a new consumer-directed option, talk to your agent, call us at (616) 464-6633, or send us an e-mail today.