Question:
Do you have PHCS insurance?

My place of employment is changing health insurance companies effective January 1, 2002. Does any one have PHCS insurance? Did you have any dificulty with approval? Were there any main questions/information needed? Please email me at [email protected], as I do not get a chance to come online very much.    — Sammi G. (posted on October 30, 2002)

October 29, 2002
hi. phcs is the ppo company that reprices claims. phcs has nothing to do with what your carrier covers or doesnt cover. that is up to you actual carrier. i process medical/dental claims for a living. i deal with phcs ppo every day. i have phcs for my personal ppo w/ my carrier also. hope this helps.
   — Monica T.

October 30, 2002
I had PHCS - Nippon LIfe when I had my surgery. As the previous poster said, PHCS isn't the carrier. However I have to say that my experience with Nippon Life was excellent - don't know about the other companies that use PHCS. I only had to have my height, weight, blood pressure and BMI and I was approved within 10 days.
   — Patty_Butler

October 31, 2002
Hi, I have Trustmark PHCS. I am also a medical collector and coder. This is how it works. PHCS is a "network". Networks work as a big group for smaller insurance companies. This makes the insurance co's more uniform and recognizeable. Say you're making an appt with a doctor they ask what insurance you have. When you tell them PHCS the know that they are contracted with them, rather than having to keep up with a thousand small insurances. Now when it comes down to benefits, your employer picks out the ones that they do and do not want. Many employers choose to exclude things like cosmetic surgery and weight loss procedures because it makes the premiums higher. The information you need now is who the insurance carrier, not the network, ie: Trustmark is my insurance ( and that is who i had to submit my predetermination to) and PHCS is my network. Once you find out who the insurance is you can ask your employer for a list of plan exclusions. This list will line out all procedures and therapies that are not covered by your group plan. If infact is dose state that weight loss surery is excluded, you may want to speak with your employer about that, it is the employer who chooses what benefits will be provided. You will only be spinning your wheels if you try and fight the insurance on an exclusion, because it's not up to them. I hope that helps.
   — ravenprevia