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Preferred Health Solutions by HHC Logo

Simple.
Affordable.
Quality Health Insurance.

Group of smiling young professionals
Healthcare that makes sense.

Competitive
Rates

An affordable solution for small businesses looking for quality employee benefits.

Comprehensive
Coverage Options

Five popular plans available in EPO and PPO options. Enrollment platform and COBRA administration included.

Strong
Provider Network

A nationwide provider network with unlimited MyStrength virtual visits, including mental health care.

Why Preferred Health Solutions by HHC?

One of the biggest challenges that small business owners face is finding quality, affordable health benefits for their employees. Based on their size alone, this has historically been difficult to accomplish.

Hibbs-Hallmark & Co. Insurance created Preferred Health Solutions to fill that void by providing quality, simplistic healthcare that is affordable and easy to understand.

Our employee benefits experts understand the needs of small businesses and have created exclusive plans that are comparable to the options available to larger organizations. We offer competitive rates, flexible coverage options, and access to a strong network of medical providers, all backed by the exemplary service you’ve come to expect from Hibbs-Hallmark & Co. Insurance.

Plan highlights include:

  • Experienced, Personalized Service
  • RN Case Managers
  • Easy to Understand Benefits
  • EPO & PPO Options
  • Medical, Dental, and Vision Available
  • Unlimited MyStrength Teledoc Virtual Access
  • Personal Member Concierge / Plan Navigator with One Number to Call

Operating a business can be challenging. Choosing your employee benefits package doesn't have to be.

For more information or to get started, click the button below or scroll down and request your customized quote today.

Request a Quote
Program FAQs

Preferred Health Solutions (PHS) offers group medical insurance that caters to groups between 20-100 employees. Our health plans may be structured as an HMO, EPO, PPO, or may use specific networks depending on where you live, and the option your employer chooses. Our plans offer choices that best meet the needs of your group.

An HMO is called a Health Management Organization. This type of network plan requires the individual to obtain a referral before seeing a specialist. The primary care provider (PCP) manages all care.

An EPO is an Exclusive Provider Organization. This typically means that the plan network only covers providers that are listed inside the network. As long as someone is utilizing the network, he or she may go to any provider or specialist they would like as long as they are inside the network. This also means there is no coverage if someone sees a provider that is does not accept the network.

A PPO is a preferred provider organization. A PPO offers the broadest coverage because out of network providers may be covered under the plan. This type of plan typically costs more because there are no negotiated rates with out of network providers.

Narrow or select networks use specific doctors or hospitals within a specific region. Typically, these organizations offer favorable contracts to the plan and members because all care is only available within that regional care area.

Preferred Health Solutions (PHS) is available in every state in the USA.

It depends on what type of network the employer selects for the entire group and if your doctor accepts certain networks such as CIGNA, PHCS, or another regional network. Many of our plans have $0 to very reasonable copays for primary care.

PHS plans cover drugs based on (4) tiers. Tier 1 is typically generic drugs and offers the lowest cost for the plan and the employee. Higher tier drugs cost more in co-pays and cost the plan more money. Additionally, PHS plans offer drug programs that help employees and the plan save money.

Prescriptions have become expensive as more drugs that are new are offered. PHS helps employees apply directly for coupons and other services that can help reduce the employees cost and save the employer plan money. These strategies are included in all health plans to help create win/win scenarios by saving money and assuring that the drugs needed are their when needed most.

All plans offered cover a full range of essential health benefits/preventative services that are included in the affordable care act.

Specialists are covered under PHS, additionally many of the plans offer low co-pay options for specialist visits.

All plans follow the Affordable Care Act and are fully compliant with federal law. There are no exclusions due pre-existing conditions under any of our plans.

Personalized service is the cornerstone of this plan. PHS has licensed RN’s on call M-F 8-5 to assist you in finding a provider or answering questions related to your health. Additionally, the plans offer 24/7 access to tele-health options. Please contact 911 for emergency services.

You may contact our licensed RN’s 8-5 M-F, or use our tele-health option for assistance. If your primary care provider refers you for additional help, our plans help take care of you so that you can have peace of mind.

Preferred Health Solutions by HHC offers simple, affordable comprehensive health insurance. It is designed for small businesses between 20-100 employees. PHS offers robust benefits for your organization.

PHS was designed for an employer whose costs are based on community ratings as mandated by the Affordable Care Act. Costs continue to rise each year with typical health plans. Our goal is to help manage claims and provide top-notch care to each person. We believe that providing better care by offering more hands on approach can reduce costs to the employee and employer. We want to deliver services that are affordable and appropriate. If you are as concerned about costs as we are, and are anxious to level out instead of ever-increasing pricing, this might be an option for you.

There is no catch, but this product is fully underwritten so we do ask health questions and/or require prior claims experience. This allows our team to understand the costs that are driving your group and identify situations and strategies to produce solutions to reduce costs to the group and to the employees. PHS is fully underwritten but the first step is sending a full census that includes all employees. The plan requires a minimum of 2-years of claims history but 3-years is preferred including large claims over $15,000. If claims data is not available, all employees must answer health questionnaires.

There are no lifetime maximums on any of our coverage options. All plans are subject to deductibles and co-insurance that are chosen by the employer, and HSA plans are available. Once an out of pocket maximum is reached during the year the plan pays 100% of expenses. We consider that your financial security.

If desired this package may include, dental, vision, and life insurance, a full S125 Premium Only Plan, Cobra Services, and a full online enrollment platform with fully customized enrollment material. This makes PHS a complete package for your employee benefits program.
Ready to get started?

Tell us about yourself and we’ll work with you to design a coverage plan that meets the needs of your business.