Educational explainers on health benefits terms, networks, and how coverage works.
Precertification—sometimes called prior authorization—is a review your plan does before certain non-emergency procedures to confirm they're medically necessary and covered. Your provider submits the r
Under LifeX group health benefit plans, preventive care services are covered at 100% when you stay in network—meaning no cost to you for those visits. This includes routine screenings like annual mamm
A formulary is the list of prescription drugs your plan covers, organized to show which medications are included and any limits that apply. To find out whether a specific medication is covered under y
If you want to know whether your current doctor is in the PHCS PPO network, the fastest way is to use MultiPlan's free provider search at providersearch.multiplan.com, select **PHCS** as the network,
These three terms describe the different ways you share the cost of care with your plan. A copay is a fixed dollar amount for a service, coinsurance is a percentage you pay after meeting your deductib
A deductible is the amount you pay for covered health services before your plan starts sharing the cost with you. With a calendar-year deductible—the kind used by LifeX group health benefit plans—that
A PPO—Preferred Provider Organization—is a type of provider network that lets you see both in-network and out-of-network providers, with lower costs when you stay in network. LifeX group health benefi