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You can combine a self-funded plan design with stop-loss protection for more control and flexibility in your health benefits—not to mention potential for additional savings through surplus refunds!

LEVEL Solutions is a self-funding product for groups with 10-100 enrolled subscribers. In a traditional fully insured plan, you'd pay a monthly premium to the insurance carrier—that insurance carrier is then responsible to pay all of your medical claims with that collected premium. In some cases, medical costs may exceed the premium that you've paid. In others, the medical costs may be less. In either situation, the employer does not have additional financial liability.

With LEVEL Solutions, you can enjoy the stability of a set monthly payment* and possibly even get money back if your group has low claims experience.

  • This self-funding option has predictable payments, flexible plan designs, and savings potential.
  • It's designed for groups that will have 10-100 enrolled employees.
  • The employer will be financially responsible for claims, but the plan includes stop loss insurance to transfer the risk of excessive losses to the reinsurer.
  • Employers can put aside cash to cover anticipated claim expenses and the monthly funding amount remains level for the year.
  • This product is medically underwritten and groups have to complete the underwriting process.

*Monthly payment may be adjusted throughout a contract period if significant changes occur in the number of employees enrolled in the plan.

LEVEL Solutions HMO Options
LEVEL Solutions HMO Options

LEVEL Solutions HMO Options plans are perfect for businesses of 10 to 100 employees who are content with a narrower network of provider and facility options, but are willing to accept a medium amount of risk in exchange for more flexibility in plan design.

Compare Plans
Why PHP?
Level Solutions 1000 HMO 11 21 Level Solutions 2000 HMO 11 21 Level Solutions 2500 HMO 11 21 Level Solutions 3500 HMO 11 21
Individual Deductible $1,000 $2,000 $2,500 $3,500
Family Deductible $2,000 $4,000 $5,000 $7,000
Individual Out of Pocket Max $2,000 $4,000 $5,000 $7,000
Family Out of Pocket Max $4,000 $8,000 $10,000 $14,000
Coinsurance 20% 20% 20% 30%
Primary Care Office Visit $30 $30 $30 $40
Specialist Office Visit $60 $60 $60 $80
Urgent Care $60 $60 $60 $80
Emergency Room $300 + Coinsurance $300 + Coinsurance $300 + Coinsurance $300 + Coinsurance
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PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.
LEVEL Solutions HDHP HMO Options
LEVEL Solutions HDHP HMO Options

LEVEL Solutions HDHP HMO Options plans are perfect for businesses of 10 to 100 employees who are content with a narrower network of provider and facility options, are willing to accept a medium amount of risk in exchange for more flexibility in plan design, and are willing to have a higher deductible in exchange for lower monthly premiums.

Compare Plans
Why PHP?
Level Solutions 3000 HSA H12 21 Level Solutions 4000 HSA H11 21 Level Solutions 6000 HSA H11 21
Individual Deductible $3,000 $4,000 $6,000
Family Deductible $6,000 $8,000 $12,000
Individual Out of Pocket Max $6,000 $4,000 $6,000
Family Out of Pocket Max $12,000 $8,000 $12,000
Coinsurance 20% 0% 0%
Primary Care Office Visit 20% 0% 0%
Specialist Office Visit 20% 0% 0%
Urgent Care 20% 0% 0%
Emergency Room 20% 0% 0%
View Full Details View Full Details View Full Details
PHP plan results are not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements and limitations are reflected in the Certificate of Coverage. A copy of the Certificate of Coverage will be provided to you upon enrollment or upon request. If you have questions, please refer to your Certificate of Coverage or contact Our Customer Service Department at (260) 432-6690, ext. 11; 1-800-982-6257, ext. 11; (260) 459-2600 for the hearing impaired; or custsvc@phpni.com (e-mail). To the extent that this Schedule of Benefits, description of eligible benefits, requirements, and limitations conflict with those in your Certificate of Coverage, the terms of your Certificate of Coverage shall govern.