"Using the Puhl / PHSP programs can create real savings of up to 30% or more, compared to traditional group insurance programs"
David Puhl, CFP - President Puhl Employee Benefits Inc.
Flexibility of Coverage
PHSP Employee Health Spending Accounts can be used for medically necessary health, dental or vision expenses. Employees use Health Spending Account credits on the services they need, when they need them.
Not only are there no premiums to pay, but also our PHSP offers one of the lowest administrator fees in the industry. Our pay-per-claim plan charges a 5% administrator fee on claims, as claims are submitted.
Employers decide how many credits / dollars will be applied to employees’ Health Spending Accounts each year. Therefore, the employer knows the maximum amount to be spent on the employee benet plan in a given year.
As a business owner, you realize tax savings when you purchase health and dental expenses with before-tax dollars – an immediate saving equal to your personal tax bracket. Health expenses become a tax-deductible business expense, and reimbursements are paid to you personally, tax free.
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