The Plan Structure

• A PPO Plan designed for Police Officers, Fire Fighters, Municapl Employees and their families
• Fully Insured
• Enhanced in-Network Benefits through Preferred Providers of Michigan (CONFINITY/PPOM)
• Enhanced Out of Network Benefits tailored to your profession
• In or Out of Network - Anytime - at Members
  Option
• No Gatekeepers
• No Referrals Needed
• You Choose Your Doctors
• Second and Third Opinions for Surgical Procedures
  

Other plans, deductions and co-pays available.
We can taylor a plan to your needs including HSA's
(Health Savings Accounts)
(High Deductible Plans)

Premium Structure

• Split Rate Premiums for Medical
• Separate Rates for Active and Retired Members
• Total Membership is Experience Rated as one Group
• Rates for Active and Retired Members calculated based
  on utilization by each group

PHCS Network through - www.multiplan.com