The Polk HealthCare Plan (PHP) is for those who are caught in the gap between not qualifying for Medicaid, and not being able to afford market place insurance. While the PHP is not insurance, it is a way for qualifying individuals to get healthcare. IHC manages a provider network for the healthcare plan that includes primary care and specialty care physicians, urgent care centers and five area hospitals. Sponsored services include primary and specialty careservices, routine diagnostic testing, lab, radiology, hospital inpatient, outpatient and emergency services, and a Plan formulary.
Because the PHP is not insurance, participants have no annual deductibles and no claim forms. Most services require a low co-payment, which is collected by the provider.
Only Polk County residents who are not covered by any other health insurance and are not eligible for any other state or federal programs are eligible for the Polk HealthCare Plan.