About The Phia Group
The Phia Group is a catalyst for change in the health benefits industry. Our goal is to help you reduce costs and protect what matters most—the health of individuals, the stability of businesses, the viability of health benefit plans, and the future of communities.
Our Mission
To reduce the cost of health benefits and improve access to quality care through innovative technologies, legal expertise, and focused, flexible customer service. By providing the industry with best practices and staying true to a forward-thinking methodology, The Phia Group boasts an all-encompassing cost containment program for the ever-changing healthcare industry.
Our Vision
Achieve savings for health benefit plans through the use of innovative tools and services, leveraging expert consultation, plan document expertise, claims recovery, negotiation, and advocacy. These pillars are the legs upon which The Phia Group stands and are necessary to be the leading cost containment and consulting firm in the health benefits industry.
A Message From Our CEO: Adam V. Russo, Esq.
My sister and I were raised by our mother who had to work three jobs to support us, so we know all too well how expensive healthcare is and how it crushes families across this great country of ours. When I was young, I vowed that one day I would become an attorney with the power to help those in need and use my expertise for good, helping hard-working Americans like my mom. I co-founded The Phia Group in 2000 with that vision in mind. Our own company has implemented for our health benefit plan the same cost containment measures and culture of patient-centric consumerism that we offer to our valued clients and partners. I am proud to say that by so doing, we have bucked the trend, made our coverage more robust AND more affordable. Indeed, we offer free health benefits to eligible employees, so that they never encounter a barrier between them and the care they need.
The healthcare and health benefits industry still has problems with which I — as CEO of a company in this industry, sponsor of a self-funded employee benefit plan, husband to an incredible wife, dad to four great kids, and son of an aging mother — have had first-hand experience. While we have made great strides, there is still so much more that needs to be done in order to achieve our mission of ensuring that all Americans can access high-quality care at a reasonable price. Right now, that process is confusing, painful, disjointed, expensive and, frankly, scary.
All of the services we offer the health benefits industry ensure regulatory compliance, involve legal expertise, and promote transparency in cost and quality outcomes — that in the end benefit employers, their employees and family members. Our successes in this overall vision have allowed us to invest in our community and the communities of our client partners. I could not be more proud of what The Phia Group has become — and we will not stop until we achieve our dream. I personally welcome you to contact me, our staff, and our clients to learn about how The Phia Group can be your partner for the long and winding road ahead.
All the Best,
Our Commitment to Plans and Families
We support employment-based group health benefits and insurance. We are especially confident that self-funded health plans will continue to lead the way. The vast majority of hard-working Americans receive health benefits through an employer, and a recent report states that of those with employment-based health insurance, self-funded benefits represent more than two-thirds of the total market. As the cost of healthcare and traditional insurance continues to skyrocket, this will continue to grow. Why? Because employers are more willing to accept financial risk when they know that they can leverage data, utilize cutting-edge tools, and take a customized approach to contain costs while maximizing benefits. That is what a quality self-funded health benefit plan offers, and that is what The Phia Group facilitates.
Employment-based group health insurance is an American tradition, pursued in the spirit of free choice, protecting our families and growing our businesses. The Phia Group believes that all employers have the right to offer benefits to their employees. Employers have for generations obtained and crafted health benefit plans meant to maximize coverage and minimize costs, in an effort to attract and retain talented employees. By implementing innovative cost containment measures, health plans thrive without increasing expenses.
Ensuring every American is insured is not enough . . . We need to reduce the cost of care. Some reports indicate that healthcare spending has historically increased by more than five-percent each year, and is showing no signs of slowing. Seemingly unfettered pricing and rising costs are imposed upon benefit plan sponsors, who are expected to do more with less. Merely securing insurance for all Americans doesn’t address this trend; among medical bankruptcy filers, most (three-quarters) had health insurance. If the price of healthcare itself isn’t reduced, we will all eventually pay the cost. Meanwhile, a constant barrage of regulatory and legal demands continuously mandates what must be covered, and what plan administrators must do, without addressing the costs they must pay.
At Phia, we do what we do because healthcare is worth protecting. The Phia Group is here to change the game, by prioritizing regulatory compliance, calculating objectively fair outlays, navigating complex dispute processes, devising and implementing out-of-the-box approaches, and ensuring the right parties pay the right amounts in the right order. With The Phia Group’s services in place, costs are reduced, funds are protected, and sponsors pool their experiences to navigate the complex world of healthcare. We invite you to learn with us, plan with us, save with us, and protect the plan.
If you share our passion, we encourage you to visit our careers page to explore opportunities with our dynamic team.
Relationships Built on Results
Our clients’ stories reflect the enduring, collaborative relationships we’ve built throughout the history of The Phia Group. See how our ecosystem of services has helped industry stakeholders achieve lasting success.
Phia CARES 
From caring for your plans and families like they’re our own to our deep commitment to community involvement, The Phia Group is a company founded on the principle of delivering real impact and change.
Our Industry Affiliations
What “Diversity & Inclusion” Means to The Phia Group
Today, the concepts of diversity, equity, and inclusion are often mistaken for blind adherence to quotas without giving thought to why certain efforts are undertaken. The Phia Group’s commitment to fostering, cultivating, and preserving a culture of diversity and inclusion is neither a political one nor one without foundations based on good business sense. The Phia Group services benefit plans, employers, and employees from coast-to-coast. Our services span the globe, and touch people from every background, origin, mindset, and walk of life. Human capital is our most valuable asset. The collective sum of our employees’ individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities, and talent represents a significant part of not only our culture but also our company’s reputation and achievements. By employing a diverse roster of professionals, we cultivate our ability to communicate, appreciate, and service every type of person and organization.
We therefore embrace our employees’ differences, including but not limited to age, skin color, ethnicity, family or marital status, gender identity or expression, national origin, physical and mental ability or challenges, race, religion, sexual orientation, socio-economic status, veteran status, and other characteristics. By so doing, we ensure that no matter with whom we are communicating, where we are operating, and on whose behalf we are working, we have the ability to understand and execute effectively our clients’ goals.
We recognize that the success of our company is a direct reflection of each team member’s drive, creativity, diverse background, and willingness to exercise initiative. With this in mind, we always seek to attract and develop candidates who share our passion for the healthcare and benefits industry.