UNLIMITED PHSP
Plan covering ALL qualified health care expenses.

 

ANNUAL LIMIT SET BY EMPLOYER
Cost-plus plans covering all qualified health care expenses to a limit determined by the employer.
(Example: to an annual amount of $2,500 per enrolled employee and his family).

 

EMPLOYER / EMPLOYEE COST SHARING PHSP
Cost-plus plans covering all qualified health care expenses based on a split between the company covering a percentage and the employee being responsible for the residual balance.
(Example: employer covering 60% of costs).

 

EMPLOYER MONTHLY PAID PHSP
The employer pays into the cost-plus plan an agreed amount on a monthly basis that is available to the employee, so long as the employee continues to be employed by the company. This amount would be available at any given point of the employment up to the amount or balance in the account designated to the specific employee.

 

EMPLOYER / EMPLOYEE COST SHARING STEPPED PHSP
The employer covers qualified health care expenses for an employee 100% to the aggregate amount agreed upon, then covers 70% of the next agreed upon amount, then covers 50% of the next agreed upon amount, and thereafter the employee is responsible for 100% of the health care expenses during a year (100% to $2,000, 70% next $1,500, 50% next $2,500, thereafter 0%).

 

EMPLOYER COMBINED PHSP MONTHLY WITH LIMITS
The employer can set up the program that covers a combination of all of the above for various employees in the organization.

 

EMPLOYER CUSTOM PHSP FOR VARIOUS LEVELS (GROUPS) OF EMPLOYEES
The employer can design a program basically in any reasonable fashion to meet the desires of the employer and the various levels and needs of the employees.

 

TOP-UP OR STAND ALONE PHSP
All PHSPs can be set up as stand alone Health Care Services coverage or as a top-up PHSP to cover items NOT covered or partially covered under other medical insurance plans.

 

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