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Physician’s Health Plan

Physician’s Health Plan of Northern Indiana, Inc. was founded in 1983, and is a physician-sponsored nonprofit health insurance organization. The primary goal of Physician’s Health Plan is to improve the community’s access to a high quality of health care for an affordable price. To this day, PHP is headquartered in Fort Wayne, and locally sponsored and facilitated by regional doctors and business representatives who are dedicated to promoting patient/physician relationships and beneficial healthcare decisions.

PHP places a strong emphasis on the health needs of each member, providing the community with ways to stay active and well through their staff of service and industry experts. Though a regional company, their network includes over 12,000 providers comprised of doctors, hospitals, dentists, and medical facilities. Each plan provides an open access approach, with no referrals or pre-authorization necessary from PHP.

A strong regional provider for the residents of Northern Indiana, PHP specializes in the personal health needs of the community. PHPNI offers plans to residents of Adams, Allen, Benton, Blackford, Boone, Carroll, Cass, Clinton, DeKalb, Delaware, Elkhart, Fountain, Fulton, Grant, Hamilton, Howard, Huntington, Jasper, Jay, Kosciusko, LaGrange, La Porte, Madison, Marshall, Miami, Montgomery, Newton, Noble, Pulaski, Randolph, Starke, St. Joseph, Steuben, Tippecanoe, Tipton, Wabash, Warren, Wells, White, and Whitley Counties.

Indigo Individual is the PHP product designed for those who do not have insurance through an employer. Each of these plans offers immediate coverage for preventive services with the Indiana doctor of your choice. Members of individual plans also have access to online tools and resources, smooth claims processions, and member discount with various health and local organizations.



PHP Indigo Individual Plans


Copay Plans

Reminiscent of a traditional employer plan and desirable for their convenience, Copay and Copay Choice plans offer first-dollar benefits for a fixed rate. Preventive services are covered in full to maintain your health, and if you need to use a network doctor for an illness or injury, the first two visits are covered. Generic prescriptions are available for a $10 copay not subject to the deductible. Basic copay plans offer in-network coverage only, while Copay Choice gives you the ability to use out-of-network providers as well.

PHPNI Copay Plan Details


Health Savings Account Plans

Designed for those who want to build a savings account for their future medical costs and want control over their spending, HSA plans provide a low premium with a high deductible. With three different options, you can choose the deductible, coverage, and coinsurance levels that work best for you. Receive 70 or 100 percent coverage after deductible on a full range of medical services including office visits, prescriptions, and hospital care. Preventive services are are available for no cost in network with any HSA plan. Select coverage that saves money by staying in-network exclusively, or a broader plan with non-network coverage.

PHPNI HSA Plan Details


PHP Indigo Individual Brochure


For more information on these plans, call an agent at 888 803 5917, or fill out a quote for a city in one of Physician’s Health Plan of Northern Indiana’s coverage areas.