Smarter Health Benefits Management. Stronger Plan Protection.
The Phia Group provides comprehensive solutions that protect health plans and families while bolstering financial stability. Through strategic cost management, legal expertise, and advocacy-driven member support, we deliver:
Plan document management and fiduciary protection to ensure compliance.
Subrogation and recovery to maximize returns and prevent overpayments.
Final level appeals and fiduciary liability protection to reduce legal risks.
Out-of-network solutions to control excessive charges and prevent surprise bills.
Care Empowered Pricing™, a RBP solution for fair and transparent healthcare costs.
Our Services Work Together for You
Phia CARES: Putting Your Employees First 
The Phia Group goes beyond cost containment by advocating for employees and ensuring they receive needed care without unnecessary financial burden. We have a vested interest in generating highly successful cost containment solutions because when plans win, so do families.
Cost Management
Advocacy
Resolution
Expertise
Bill Hoitt
Director of Sales
Crum & Forster
“Anytime I see somebody from The Phia Group at an event, they know my name. They ask how my family’s doing. They know the other folks that work for our organization, whether they’ve met them once, five years ago, or whether they talk to them every day.”
Pete Tonia
Executive Director
Level Care Health Consortium
"Partnering with The Phia Group has saved us significantly. With their guidance, we feel confident in our plan’s integrity and cost containment. Phia isn’t just a vendor—they’re a trusted ally protecting our bottom line and helping us care for our employees more effectively."
Joe LaMantia
President
L&F Distributors
"We have been involved with Phia for close to ten years now. Phia provides a foundation of integrity, a backbone of motivation to do the right thing, and exemplary customer service, with the experience and knowledge to illuminate an appropriate path through the quagmire that is today’s healthcare system. Finding all of these qualities in any company is difficult. Phia exemplifies these qualities to a T."
Why Employers Trust The Phia Group
Employers need a trusted partner who understands the legal, financial, and fiduciary challenges of managing a health benefits plan. The Phia Group delivers:
Fiduciary protection and compliance support to ensure plans align with ERISA and regulatory standards.
Cost containment strategies that lower expenses so that you can reinvest in your plan.
Expert claims management, including advanced negotiation, subrogation, and recovery strategies.
Risk mitigation and financial stability through proactive claims resolution.
Member advocacy services that protect and satisfy employees.
Protect Your Plan. Protect Your Employees.
The Phia Group helps health benefit plans take control of rising costs while ensuring compliance and protecting employees. Our expertise in plan management, claims resolution, and fiduciary protection allows employers to offer high-value benefits while reducing financial risk.
Delivering Comprehensive Protection for Your Business
At the core of The Phia Group is the belief that everyone should have access to high-quality and justifiably priced care. Our passion for advocacy and meaningful innovation drives us to deliver a one-of-a-kind service experience for our clients and partners.
The Phia Group Delivers… Smart Cost Management. Confident Compliance. Stronger Plans.
Want to learn more about our proactive approach to safeguarding health plan cost containment?
