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PHCS stands for Private Healthcare Systems, and it’s one of the largest independent PPO (Preferred Provider Organization) networks in the United States. It’s owned and operated by MultiPlan, a national health benefits company that contracts with over 1.2 million healthcare providers across the country.
That includes:
Family doctors and general practitioners
Urgent care clinics
Hospitals and outpatient centers
Labs, imaging centers, and specialists
Behavioral health professionals
Preventive care providers
When your employees visit an in-network provider, they often receive significantly reduced or even zero-cost services—depending on how the benefit is bundled within the Section 125 Plan.
When you add PHCS network access to your Section 125 Cafeteria Plan, employees get access to care that feels like traditional insurance—without the high premiums or complicated billing.
Here’s how it works:
Your employees enroll in a pre-tax benefit package that includes access to the PHCS Network
They search for in-network providers using an easy-to-use directory
They schedule visits with doctors, clinics, or urgent care centers within the network
Services like primary care or urgent care may be 100% covered, depending on your plan
The cost is covered as part of their pre-tax contribution—not their take-home paycheck
This creates a true win-win: your team gets meaningful coverage, and you get payroll tax savings.
Health benefits are often the single largest cost for an employer after payroll—and yet many small and mid-sized businesses struggle to offer coverage that actually satisfies their team.
The MultiPlan PHCS Network offers a powerful alternative:
Lower overall costs compared to traditional insurance
Wider access to providers in every state
No waiting periods or confusing claims paperwork
Simple administration through your existing 125 Plan
Tax savings on every dollar employees contribute
It also helps you compete with larger employers without the same overhead. And because it focuses on access, not just reimbursement, employees can actually use their benefit right away.
Every plan is different, but when PHCS access is bundled into a 125 Plan, employees can often access care like:
This is real care at real savings—not just a help line or a web portal.
Adding PHCS benefits through a Section 125 Plan triggers instant savings:
Employees pay for access and care using pre-tax dollars
Employers reduce their FICA liability by 7.65% on those payroll amounts
The more your team participates, the more you save
Let’s say 12 employees each contribute $1,800/year toward their 125 Plan (including PHCS access). That’s $21,600 in pre-tax deductions—meaning you save $1,651 in payroll taxes, and your employees save hundreds in federal income tax.
That’s a serious return for a benefit they’ll actually use and appreciate.
Disclaimer: We do not provide legal or tax advice. All recommendations involve third-party providers who manage compliance and plan setup.
Whether you’re looking to upgrade your current benefits, offer healthcare access for the first time, or expand your 125 Plan offerings—PHCS makes it easy.
📞 Start offering PHCS Network access through your 125 Plan today
Healthcare doesn’t have to be complicated—or expensive. With 125Plans.com and the PHCS network, it’s finally both smart and simple.
Explore how Section 125 plans could save your business over $1,000 per W-2 employee each year. Book a free consultation to see how much you could be losing by not having one.
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