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Medical Savings Programs and Benefits


By using the PHCS proprietary network of over 358,000 providers nationwide, members can access 20-45% savings on medical services. Average savings for AHB members is over 40%.  Members can save money on services such as routine office visits and ancillary services, including lab work and imaging centers by accessing a participating provider. This program does not include access to hospitals.

Sample Procedure

Regular Cost Your Sample Cost Your Savings

Office Visit

$85.00 $48.45 43%

X-Ray-Chest Two Views

$61.88 $44.80 13%

Total for this Visit

$146.88 $93.25 32%

Office Visit

$70.20 $46.20 34%

Urinalysis Routine Complete

$16.49 $10.34 37%

Drawing Blood

$21.19 $12.68 40%

 Total for this Visit

$107.88 $69.22 35%

Office Visit

$95.00 $60.80 36%

Biopsy Skin SubQ Tissue

$106.53 $74.48 30%

Removal of Skin Lesion

$280.04 $176.22 37%

 Total for this Visit

$481.57 $311.50 35%

Chiropractic Manipulation

$38.27 $30.62 20%

Hot or Cold Packs Therapy

$16.33 $9.96 39%

 Total for this Visit

$54.60 $40.58 25%

- This sample chart will vary by specific provider, program and location.

How To Access Your Discounts:

Step 1:
To locate a provider, click here Provider Search or call toll-free 1-888-335-8222 for the name of a provider in your area.

Step 2:
Before calling your provider’s office to schedule your appointment, call the Physician Relations Department to verify your provider’s participation in the medical savings program. A representative will verify the provider’s continued participation on your behalf. At your request, the representative will call you back or send you an e-mail to confirm the provider you’ve chosen is participating. Then, you may call to set up your appointment.

Step 3:
Present your identification card and the “Dear Doctor” letter included in your membership kit to the receptionist when you arrive at the participating provider’s office. Your ID card instructs the provider to call or fax Physician Relations for the negotiated rate agreed upon in their contract with PHCS.

Step 4:
Remember, you are responsible for paying the provider the entire discounted fee at the time service is provided.

Important Note to Providers:
Please follow the instructions on the back of the Member’s ID card for assistance in obtaining the negotiated rate agreed upon in your Preferred Provider contract with PHCS. If you have any questions regarding this program, please call the Provider Department at
1-888-335-8222 and identify yourself as a provider’s office.


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Please note that this is not health insurance and we do not make payments directly to medical service providers. It is a discount program, and you are obligated to pay for the health care services. You will receive discounts for medical services at certain health care providers who have contracted with the plan. This plan is administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. Note to Utah residents: this contract is not protected by the Utah Life and Health Guaranty Association.

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