The Plan Structure
- A PPO Plan designed for Police Officers, Fire Fighters, Dispatchers, Municipal Employees and their families
- All products are fully insures
- Enhanced In-Network benefits through the COFINITY PPO NETWORK in Michigan and any other states COFINITY participates in.
- Enhanced In-Network benefits for our of State members who receive and utilize our PHCS/MulitPlan ID card.
- Members may go in and out of network anytime at members option, however, they should keep in mind that they receive a higher benefit level in network
- No Gatekeepers
- No Referrals needed
- You Choose Your Doctors
- 2nd and 3rd Opinions for Surgical Procedures
Numerous plans, prescription options, deductibles and co pays available. We can tailor a plan to your needs including Health Savings Accounts, High Deductible Plans, and plans that meet the State of Michigan Hard Cap or 80/20 mandates for certain public employees. We now have the ability to build a plan to meet your benefit and cost needs!
- Split Rate Premiums for Medical. This means separate rates for Active and Retired Members.