Provider Network Information
What is a Network Provider?
Beginning with the 2014-2015 policy year, a Network Provider is a doctor, hospital or other health care provider that participates in the PHCS Preferred Provider Network.
The advantage to using a Network Provider is that these providers have agreed to accept a predetermined fee or Preferred Allowance as payment for their services. Non-Network providers have not agreed to any prearranged fee schedule, therefore any charges in excess of the insurance payment may be the student’s responsibility. Consequently, when insured students use Network Providers, out-of-pocket expenses will be less because any applicable cost sharing will be based on a Preferred Allowance.
The insured person should be aware that Network Provider hospitals may be staffed with Non-Network providers. Receiving services or care from a Non-Network provider at a Network Provider hospital does not guarantee that all charges will be paid at the Network Provider level of benefits.
How do I find a Network Provider?
The easiest and most efficient way to locate a PHCS Network Provider is by calling toll-free 800-922-4362 or by clicking on the 'Search for Provider' button below.
Network participation is subject to change, so please verify with the provider that they are participating in the network when making an appointment or at the time of service.
For the 2013-2014 policy year, the Preferred Provider Network was the First Health Network, To find a First Health provider:
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