Health, dental and vision care expenses affect us from both a healthy & wellness perspective and from a cost perspective.  How we pay for health, dental and vision care makes a huge difference in the total cost of these necessary expenditures.

We have limited options in how we pay our health, dental and vision care expenses and, upon review, the PHSP quickly becomes the option of choice.

Choice of payment for health expenses are:

• Cash from net income (after income tax dollars increase costs by 20 to 50%).

• Insured Traditional Plans - monthly premiums never seem to equal our paid claims and always seem to be increasing.

• "Pay-per-claim" plans - the PHSP - all costs are tax deductible to your company and all reimbursements are tax-free to participants; the PHSP 'pay-per-claim' plan works in concert with insured traditional plans, if desired.

       To sign up for PHSP please follow this LINK.