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Large Group Plans

Large group plans are for those employers with 51 or more employees. Our large group plans include HMO options: a comprehensive healthcare benefit plan for which PHP has contracted with a wide range of doctors, hospitals, and other healthcare professionals to form a network of top-notch healthcare providers. Within the PHP Freedom network, members have open access to over 18,000 providers, which means members can choose the healthcare provider they want to see, from primary care to specialists and without any special arrangements through the plan. If you would like to extend your coverage even further, we have point of service (POS) plans that include coverage for out-of-network providers. Our PHP Options network also offers some premium savings if limiting network access is an alternative for you. 

2025 Plans

2024 Plans

Large HMO Freedom
Large HMO Freedom

Large HMO Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 1000 HMO 3Legacy 2500 HMO 2Legacy 3000 HMO 2Legacy 5000 HMO 2
Individual Deductible$1,000$2,500$3,000$5,000
Family Deductible$2,000$5,000$6,000$10,000
Individual Out of Pocket Max$4,000$5,000$6,000$7,350
Family Out of Pocket Max$8,000$10,000$12,000$14,700
Coinsurance20%20%20%20%
Primary Care Office Visit$20$25$30$30
Specialist Office Visit$40$50$60$60
Urgent Care$50$50$60$60
Emergency Room$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance$300 + 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.
Large HDHP HMO Freedom
Large HDHP HMO Freedom

Large HDHP HMO Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 3300 HSA H2Legacy 4000 HSA H1Legacy 5000 HSA H1Legacy 6000 HSA H1
Individual Deductible$3,300$4,000$5,000$6,000
Family Deductible$6,600$8,000$10,000$12,000
Individual Out of Pocket Max$3,300$4,000$5,000$6,000
Family Out of Pocket Max$6,600$8,000$10,000$12,000
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.
Large POS Freedom
Large POS Freedom

Large POS Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 1500 POS 1Legacy 2000 POS 2Legacy 2500 POS 2Legacy 3000 POS 3
Individual Deductible$1,500$2,000$2,500$3,000
Family Deductible$3,000$4,000$5,000$6,000
Individual Out of Pocket Max$4,000$5,000$5,000$6,000
Family Out of Pocket Max$8,000$10,000$10,000$12,000
Coinsurance20%20%20%20%
Primary Care Office Visit$25$25$25$30
Specialist Office Visit$50$50$50$60
Urgent Care$50$50$50$60
Emergency Room$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance$300 + 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.
Large HDHP POS Freedom
Large HDHP POS Freedom

Large HDHP POS Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 3000 HSA P1Legacy 3300 HSA P7Legacy 5000 HSA P1Legacy 6000 HSA P1
Individual Deductible$3,000$3,300$5,000$6,000
Family Deductible$6,000$6,600$10,000$12,000
Individual Out of Pocket Max$3,000$5,000$5,000$6,000
Family Out of Pocket Max$6,000$10,000$10,000$12,000
Coinsurance0%20%0%0%
Primary Care Office Visit0%20%0%0%
Specialist Office Visit0%20%0%0%
Urgent Care0%20%0%0%
Emergency Room0%20%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.
Large HMO Options
Large HMO Options

Large HMO Options plans are perfect for businesses of 51 or more 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? 		Legacy 1000 HMO 1 - OptionsLegacy 2500 HMO 2 - OptionsLegacy 3000 HMO 2 - OptionsLegacy 5000 HMO 2 - Options
Individual Deductible$1,000$2,500$3,000$5,000
Family Deductible$2,000$5,000$6,000$10,000
Individual Out of Pocket Max$3,000$5,000$6,000$7,350
Family Out of Pocket Max$6,000$10,000$12,000$14,700
Coinsurance20%20%20%20%
Primary Care Office Visit$25$25$30$30
Specialist Office Visit$50$50$60$60
Urgent Care$50$50$60$60
Emergency Room$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance$300 + 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.
Large HDHP HMO Options
Large HDHP HMO Options

Large HDHP HMO Options plans are perfect for businesses of 51 or more 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? 		Legacy 3300 HSA H2 - OptionsLegacy 4000 HSA H1 - OptionsLegacy 5000 HSA H1 - OptionsLegacy 6000 HSA H1 - Options
Individual Deductible$3,300$4,000$5,000$6,000
Family Deductible$6,600$8,000$10,000$12,000
Individual Out of Pocket Max$3,300$4,000$5,000$6,000
Family Out of Pocket Max$6,600$8,000$10,000$12,000
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.
Large HMO Freedom
Large HMO Freedom

Large HMO Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 1000 HMO 3 OHLegacy 2500 HMO 2 OHLegacy 3000 HMO 2 OHLegacy 5000 HMO 2 OH
Individual Deductible$1,000$2,500$3,000$5,000
Family Deductible$2,000$5,000$6,000$10,000
Individual Out of Pocket Max$4,000$5,000$6,000$7,350
Family Out of Pocket Max$8,000$10,000$12,000$14,700
Coinsurance20%20%20%20%
Primary Care Office Visit$20$25$30$30
Specialist Office Visit$40$50$60$60
Urgent Care$50$50$60$60
Emergency Room$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance
Learn MoreLearn MoreLearn MoreLearn More
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.
Large HDHP HMO Freedom
Large HDHP HMO Freedom

Large HDHP HMO Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 3300 HSA H2 OHLegacy 4000 HSA H1 OHLegacy 5000 HSA H1 OHLegacy 6000 HSA H1 OH
Individual Deductible$3,300$4,000$5,000$6,000
Family Deductible$6,600$8,000$10,000$12,000
Individual Out of Pocket Max$3,300$4,000$5,000$6,000
Family Out of Pocket Max$6,600$8,000$10,000$12,000
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%
Learn MoreLearn MoreLearn MoreLearn More
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.
Large POS Freedom
Large POS Freedom

Large POS Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 1500 POS 1 OHLegacy 2000 POS 2 OHLegacy 2500 POS 2 OHLegacy 3000 POS 3 OH
Individual Deductible$1,500$2,000$2,500$3,000
Family Deductible$3,000$4,000$5,000$6,000
Individual Out of Pocket Max$4,000$5,000$5,000$6,000
Family Out of Pocket Max$8,000$10,000$10,000$12,000
Coinsurance20%20%20%20%
Primary Care Office Visit$25$25$25$30
Specialist Office Visit$50$50$50$60
Urgent Care$50$50$50$60
Emergency Room$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance$300 + Coinsurance
Learn MoreLearn MoreLearn MoreLearn More
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.
Large HDHP POS Freedom
Large HDHP POS Freedom

Large HDHP POS Freedom plans are perfect for businesses of 51 or more 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? 		Legacy 3000 HSA P1 OHLegacy 3300 HSA P7 OHLegacy 5000 HSA P1 OHLegacy 6000 HSA P1 OH
Individual Deductible$3,000$3,300$5,000$6,000
Family Deductible$6,000$6,600$10,000$12,000
Individual Out of Pocket Max$3,000$5,000$5,000$6,000
Family Out of Pocket Max$6,000$10,000$10,000$12,000
Coinsurance0%20%0%0%
Primary Care Office Visit0%20%0%0%
Specialist Office Visit0%20%0%0%
Urgent Care0%20%0%0%
Emergency Room0%20%0%0%
Learn MoreLearn MoreLearn MoreLearn More
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.