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Please see the 2024 Benefit Summaries for more information.

Contact PHP Sales at Sales@phpmm.org to request enrollment and eligibilty changes.

To find a participating doctor, visit the Provider Directory

Yes - PHP has individual and family plans available both on- and off-marketplace. Please visit PHPMichigan.com/ChoosePHPmi for more information. The 2023 Individual Marketplace Plans grid will give you a good overview, and the 2023 Individual Plan Summaries allows you to review the Summary of Benefits and Coverage for each plan.

Please contact PHP Sales at Sales@phpmm.org if you have any questions.

At this time, groups cannot pay their premiums online. Employer groups can send checks to the following address:

For HMO Plans:

Physicians Health Plan
PO Box 776180
Chicago, IL 60677-6180

For PPO Plans:

Physicians Health Plan
PO Box 776178
Chicago, IL 60677-6178

Groups can definitely set up ACH payments to PHP. Employer groups must initiate the payment through their financial institution.

For more information contact the PHP Finance Department at 888.892.0009.

Yes - for all plans except those that are currently grandfathered.

In order for your group to take part in a PHP HMO plan or a PHP POS plan, your employees must live or work within the PHP service area. PHP HMO or PHP POS members who live or work outside of the PHP service area must agree to receive services from participating providers in the service area.

If your group has the PHP PPO product, and you have a new enrollee who lives outside of a PHP service area, please notify your PHP Account Manager so that the new enrollee can be placed in the appropriate network class to receive in-network benefits.

A member who has an urgent or emergency situation when traveling outside PHP service area should visit the nearest urgent care center or emergency department, regardless of whether it is in the PHP network. Urgent Care and Emergency services are always covered under a member's in-network benefit, in all 50 states and worldwide.

It is a list of prescription drugs covered by a particular PHP drug benefit plan. PHP, in conjunction with its pharmacy benefit manager, CVS/Caremark, reviews its Prescription Drug Lists on a regular basis to ensure that they are up-to-date.

There are no pre-existing clauses under any PHP policies.

You can make enrollment changes in a number of ways:

• Make changes at the MyPHP Employer Portal
• Submit the necessary forms to the PHP Enrollment Department at PHP.Enrollment@phpmm.org
• Call your PHP Account Manager.

Changes may take up to 48 hours to be effective.

Please fill out and return the Case Management Referral Form to PHPCaseManagement@phpmm.org.

Complete and return the PHP Agent Appointment packet and required documents to the PHP Sales General Inbox at Sales@phpmm.org. Upon receipt of your information you will be contacted via email with next steps. Questions regarding the appointment process can be directed to PHP Sales at Sales@phpmm.org