FREQUENTLY ASKED QUESTIONS

The Proactive Health Management Plan (PHMP) is a plan that encourages you to proactively assess and improve your health and lifestyle. The plan utilizes proven and patented techniques to improve an individual’s health.

The PHMP is customized to assess and prevent multiple health issues using benefits that allow you to take control and manage your health. Enrollment in the plan may increase your take-home pay and participation may also reduce your medical spending. In addition, you’ll receive a monthly benefit of $625 when you utilize one of the participation benefits.

Yes! The PHMP is available to all full-time benefit-eligible employees at your Company regardless of whether you are currently participating in its health plan.

There are several ways: You can engage once a month with a healthcare coach; visit the member portal for online coaching sessions; utilize the free 24/7 telemedicine benefit; get a biometric screening; and many more. A full listing of participation methods are detailed in the Welcome Kit you will receive after enrollment.

Your plan will become effective on the first day of the month that you are eligible for benefits. An enrollment specialist will reach out to you to confirm your effective date and answer any questions you may have about the plan. Your enrollment specialist will also be able to tell you how much additional income you may receive just for your participation! If you decide the plan isn’t for you, you will have until the 12th day of your effective month to opt out. If you decide to opt out, you must call an enrollment specialist at 866-673-2140. If you miss the deadline of the 12th, you must cease participation for two months. To stop participating, you may connect with our call center and you will be placed on a do not call list. After two months, you will roll off the plan. At that time, you will be removed from the plan and your paycheck will return to its pre-PHMP amount. Participation includes opening emails and text messages.

The PHMP includes an Indemnity Benefit, which pays set amounts for each covered service. The services include: in-patient hospital stay; chest x-ray; stress test; and specific cancer screenings. Benefits are paid directly to you to offset costs.

No. We will never deduct the premium from your pay without providing the reimbursement. If you fail to participate during the month, we will reach out to you via phone, text, email, or newsletter to maintain your compliance in the program.

The first deduction occurs in the month the benefit becomes effective. Once your payroll department has set up your PHMP enrollment, the benefit premiums and reimbursement payments are reflected on the same paycheck.

An indemnity benefit is a set amount that is paid regardless of the cost of the procedure. Each indemnity benefit has a maximum yearly amount of usage and a maximum amount of benefit. The benefit amount can range from $50 to $100 per benefit unit and is paid directly to you.

Yes, you can go to any provider.

You can choose to opt out by connecting with our call center.

If after enrollment you change your mind, contact an Enrollment Specialist at enrollment@thephmp.com or 866-673-2140 for instructions. You have from the date you enroll until the 12th day of the effective month to opt out. Please be advised: if you do not complete your required monthly participation activity, you become eligible to cancel your plan after two (2) months of non-participation.

You have a grace period. If you don’t complete a participatory service for any two months within the benefit year your plan may be canceled. This doesn’t have to be a consecutive two month period. However, the PHMP Participation Specialists will contact you with reminders to complete your monthly service and may offer ways to complete your service over the phone.

After enrollment, you’ll receive telemedicine ID cards and instructions. You can access telemedicine services online, on the phone, or through a smartphone app.

There is no fee or copay to access a telemedicine doctor. Telemedicine doctors are available 24/7/365 days a year!

No. This plan is only for employees. There is no spouse or dependent coverage. However, your family can participate in certain PHMP benefits, such as Family Telemedicine and Behavioral Health, as well as all RealTimeChoices benefits.