If you use a physician from the Preferred Provider Network, the Company will reimburse your covered expenses at a higher amount when compared to using a Non-Network Provider.


We have made arrangements with PHCS, a MultiPlanPreferred Provider Network that has contracted with numerous hospitals, physicians and other health care providers in order to administer your care at a prearranged, preferred dollar amount.


If you choose to use a Non Network Provider, your benefits will be reduced to the amount stated in the schedule of benefits. Prior to seeking care with a Network Provider, you should always verify that the physician continues to be a Network Provider.


For a complete list of participating providers, you may access MultiPlan’s website by clicking the logo below, then selecting PHCS Network, or call their toll free number 1-800-922-4362.