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LEVEL Solutions: Manage costs and improve employee health

A level-funded plan could help you save up to 30%! 

LEVEL Solutions offers employers a unique health insurance option for employees—offering great benefits while conserving cash flow. Level-funding means you pay only for what you use, when you use it, and costs are aligned with claim flow patterns throughout the life of the plan. And, with access to actionable data about the efficiency of the plan, you can determine the best strategies to move your employees to greater health and productivity while protecting your bottom line.  

LEVEL Solutions is a good fit for: 

  • Employers with 5-100 employees
  • Employers seeking alternatives to traditional fully-insured plans 
  • Employers who want greater control and more information 

LEVEL Solutions is designed for cost savings 

  • Employers keep unused claim dollars by paying for only those services received. 
  • Potentially lower monthly payments than ACA rated plans– groups can save up to 30%. 
  • Level-funding means fewer taxes and fees than traditional fully-insured health plans. 

Greater transparency in claims and costs 

  • You’ll have access to data and reporting explaining all aspects of your plan, including monthly funding level and claims, annual large claims reporting, and many on-demand reports. 
  • Available data helps you understand when, where, and how your plan is being used. 

Offers a wellness advantage 

  • Our on-staff wellness coordinator works with you to develop wellness programs that address your employee’s specific health needs. 
  • Online health and wellness tools offer a variety of incentives and challenges. 
  • Telehealth and nurseline services make access to care easy. 

Pharmacy assistance and monitoring 

  • PHP’s on site pharmacists keep a watchful eye to make sure your employees are getting the best medicine for the best price; protecting employees and your bottom line. 

Consistent monthly payments 

  • Stop-loss protection for individual high-dollar claims and aggregate coverage for excessive total plan claim experience. 
  • Administrative costs are fixed and are charged per employee. 

 

Contact PHP or your benefits advisor to get a quote today.

2025 Plans

2024 Plans

Level Solutions HMO Freedom
LEVEL Solutions HMO Freedom

LEVEL Solutions HMO Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options and are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP? 		Level Solutions 1000 HMO 1Level Solutions 2000 HMO 1Level Solutions 2500 HMO 1Level Solutions 3500 HMO 1
Individual Deductible$1,000$2,000$2,500$3,500
Family Deductible$2,000$4,000$5,000$7,000
Individual Out of Pocket Max$2,000$4,000$5,000$7,000
Family Out of Pocket Max$4,000$8,000$10,000$14,000
Coinsurance20%20%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$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.
Level Solutions HDHP HMO Freedom
LEVEL Solutions HDHP HMO Freedom

LEVEL Solutions HDHP HMO Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP? 		Level Solutions 3300 HSA H2Level Solutions 4000 HSA H1Level Solutions 6000 HSA H1
Individual Deductible$3,300$4,000$6,000
Family Deductible$6,600$8,000$12,000
Individual Out of Pocket Max$6,000$4,000$6,000
Family Out of Pocket Max$12,000$8,000$12,000
Coinsurance20%0%0%
Primary Care Office Visit20%0%0%
Specialist Office Visit20%0%0%
Urgent Care20%0%0%
Emergency Room20%0%0%
View 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.
Level Solutions POS Freedom
LEVEL Solutions POS Freedom

LEVEL Solutions POS Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options and are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP? 		Level Solutions 1000 POS 2Level Solutions 2000 POS 1Level Solutions 2500 POS 1Level Solutions 3500 POS 4
Individual Deductible$1,000$2,000$2,500$3,500
Family Deductible$2,000$4,000$5,000$7,000
Individual Out of Pocket Max$3,000$4,000$5,000$6,000
Family Out of Pocket Max$6,000$8,000$10,000$12,000
Coinsurance20%20%20%30%
Primary Care Office Visit$50$30$30$45
Specialist Office Visit$60$60$60$55
Urgent Care$60$60$60$55
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.
Level Solutions HDHP POS Freedom
LEVEL Solutions HDHP POS Freedom

LEVEL Solutions HDHP POS Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP? 		Level Solutions 3300 HSA P2Level Solutions 4000 HSA P1Level Solutions 5000 HSA P1
Individual Deductible$3,300$4,000$5,000
Family Deductible$6,600$8,000$10,000
Individual Out of Pocket Max$6,000$4,000$5,000
Family Out of Pocket Max$12,000$8,000$10,000
Coinsurance20%0%0%
Primary Care Office Visit20%0%0%
Specialist Office Visit20%0%0%
Urgent Care20%0%0%
Emergency Room20%0%0%
View 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.
Level Solutions HMO Options
LEVEL Solutions HMO Options

LEVEL Solutions HMO Options plans are perfect for businesses of 10 to 100 employees who are content with a narrower network of provider and facility options, but are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP? 		Level Solutions 1000 HMO 11Level Solutions 2000 HMO 11Level Solutions 2500 HMO 11Level Solutions 3500 HMO 11
Individual Deductible$1,000$2,000$2,500$3,500
Family Deductible$2,000$4,000$5,000$7,000
Individual Out of Pocket Max$2,000$4,000$5,000$7,000
Family Out of Pocket Max$4,000$8,000$10,000$14,000
Coinsurance20%20%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$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.
Level Solutions HDHP HMO Options
LEVEL Solutions HDHP HMO Options

LEVEL Solutions HDHP HMO Options plans are perfect for businesses of 10 to 100 employees who are content with a narrower network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP? 		Level Solutions 3300 HSA H12Level Solutions 4000 HSA H11Level Solutions 6000 HSA H11
Individual Deductible$3,300$4,000$6,000
Family Deductible$6,600$8,000$12,000
Individual Out of Pocket Max$6,000$4,000$6,000
Family Out of Pocket Max$12,000$8,000$12,000
Coinsurance20%0%0%
Primary Care Office Visit20%0%0%
Specialist Office Visit20%0%0%
Urgent Care20%0%0%
Emergency Room20%0%0%
View 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.
Level Solutions HMO Freedom
LEVEL Solutions HMO Freedom

LEVEL Solutions HMO Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options and are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP? 		Level Solutions 1000 HMO 1 OHLevel Solutions 2000 HMO 1 OHLevel Solutions 2500 HMO 1 OHLevel Solutions 3500 HMO 1 OH
Individual Deductible$1,000$2,000$2,500$3,500
Family Deductible$2,000$4,000$5,000$7,000
Individual Out of Pocket Max$2,000$4,000$5,000$7,000
Family Out of Pocket Max$4,000$8,000$10,000$14,000
Coinsurance20%20%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$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.
Level Solutions HDHP HMO Freedom
LEVEL Solutions HDHP HMO Freedom

LEVEL Solutions HDHP HMO Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP? 		Level Solutions 3300 HSA H2 OHLevel Solutions 4000 HSA H1 OHLevel Solutions 6000 HSA H1 OH
Individual Deductible$3,300$4,000$6,000
Family Deductible$6,600$8,000$12,000
Individual Out of Pocket Max$6,000$4,000$6,000
Family Out of Pocket Max$12,000$8,000$12,000
Coinsurance20%0%0%
Primary Care Office Visit20%0%0%
Specialist Office Visit20%0%0%
Urgent Care20%0%0%
Emergency Room20%0%0%
Learn 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.
Level Solutions POS Freedom
LEVEL Solutions POS Freedom

LEVEL Solutions POS Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options and are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP? 		Level Solutions 1000 POS 3 OHLevel Solutions 2000 POS 1 OHLevel Solutions 2500 POS 1 OHLevel Solutions 3500 POS 1 OH
Individual Deductible$1,000$2,000$2,500$3,500
Family Deductible$2,000$4,000$5,000$7,000
Individual Out of Pocket Max$3,000$4,000$5,000$7,000
Family Out of Pocket Max$6,000$8,000$10,000$14,000
Coinsurance20%20%20%30%
Primary Care Office Visit$25$30$30$40
Specialist Office Visit$50$60$60$80
Urgent Care$50$60$60$80
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.
Level Solutions HDHP POS Freedom
LEVEL Solutions HDHP POS Freedom

LEVEL Solutions HDHP POS Freedom plans are perfect for businesses of 10 to 100 employees who are looking for a broad network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP? 		Level Solutions 3300 HSA P2 OHLevel Solutions 4000 HSA P1 OHLevel Solutions 5000 HSA P1 OH
Individual Deductible$3,300$4,000$5,000
Family Deductible$6,600$8,000$10,000
Individual Out of Pocket Max$6,000$4,000$5,000
Family Out of Pocket Max$12,000$8,000$10,000
Coinsurance20%0%0%
Primary Care Office Visit20%0%0%
Specialist Office Visit20%0%0%
Urgent Care20%0%0%
Emergency Room20%0%0%
Learn 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.