Benefits We Offer

PHBP provides superior benefits and services in virtually every aspect of healthcare.

All eligible Freelance Employees are offered all of the following benefits.

Participating Employers’ Staff options are Medical and Prescription Drug coverage only, or Medical, Prescription, Dental and Vision Coverage.

Anthem Blue Cross PPO Medical Plan:
website: www.anthem.com/health-insurance/home/overview
Member services: (800) 759-3030
Group Number: 277596

The nation’s largest network or medical providers, with In-Network access to more than 90% of the nation’s hospitals and more than 80% of providers overall.
Preventative Services are 100% covered
Flu Shots are 100% covered.
Low Urgent Care co-pay.
Valuable health and wellness tools.
24/7 Nurse Line lets you consult with a registered nurse any time of any day (find the phone number on the back of your Anthem ID card).
24/7 access to LiveHealth Online where you can visit with a doctor by live video using a mobile device or computer with a webcam.
No Appointments needed, no driving, no long waits.
An incredible value for the busy freelancer!

Sign up at LiveHealthOnline.com

CLICK HERE TO DOWNLOAD THE ANTHEM MEDICAL BENEFIT SUMMARY.

Anthem Prescription Drug Plan
website: www.anthem.com/health

Money saving mail order service available
Deductible waived on Preventive Immunizations, Female Contraceptives, and Tier 1 - 3 drugs (see List of Essential Drugs below).
Low copays on low tiered drugs
Convenient Home Delivery service for most ongoing drug therapies

CLICK HERE TO DOWNLOAD THE ANTHEM DRUG BENEFIT SUMMARY.
CLICK HERE TO DOWNLOAD THE ESSENTIAL DRUG LIST



Anthem Dental:

Visit any licensed dentist of specialist you want, or save costs when you choose one in network.
Continue to pay in-network negotiated rates if you exceed your annual benefit amount.
One Additional covered cleaning if you are pregnant or living with Diabetes.

CLICK HERE TO DOWNLOAD THE ANTHEM DENTAL BENEFIT SUMMARY.



VSP Vision Care:

Receive In network eye exams, frames, lenses, lenses enhancements, and contacts annually.
Save money and Choose a VSP doctor or participating retail chain, or choose any out-of-network provider for lesser reimbursement rates.
Visit vsp.com or call 800-877-7195 to find a VSP Provider
No ID card needed. When you visit a VSP Provider, they will handle the claim. If you visit an out of network provider, you send the receipt and claim to VSP.

CLICK HERE TO DOWNLOAD THE VSP BENEFIT SUMMARY



MET LIFE SHORT TERM and LONG TERM DISABILITY

Freelancers are at a greater risk of financial hardship in the face of injury or illness as they don’t have the staff employee benefits of paid sick days, maternity leave, or accrued vacation days to lean on if temporarily disabled, so the Plan provided free Short Term Disability insurance.
Receive Short Term Disability coverage of 60% of your pre-disability earnings up to $3,000 per week less any payment received from other sources like State Disability payments.
Receive Long Term Disability coverage of 60% of your pre-disability earnings up to $12,500 per month less any payment received from other sources like Social Security.
Take advantage of Met Life’s Employee Assistance Program, and get professional consultations on issue such as Marriage, Relationship, or Family Problems, Changes in Mood, Legal and Financial Issue, Alcohol and Drug Dependency, Identity Theft, Stress and Anxiety, Childcare and Eldercare Assistance and more.
If pregnant, contact Met Life prior to having your baby to make sure you have all the information you need. In General, Short Term Disability provides 6 weeks recovery for a regular delivery and 8 weeks coverage for a cesarean delivery contingent on your medical needs.

CLICK HERE TO DOWNLOAD THE MET LIFE DISABILITY SUMMARY FOR CALIFORNIA RESIDENTS.
CLICK HERE TO DOWNLOAD THE MET LIFE DISABILITY SUMMARY FOR NON-CALIFORNIA RESIDENTS.
CLICK HERE TO DOWNLOAD FAQ’S ABOUT PREGNANCY.
CLICK HERE TO DOWNLOAD INFORMATION ON THE EMPLOYEE ASSISTANCE PROGRAM.