The charges on your bank or credit card statement from a health benefits company represent premiums for your health or supplemental insurance plan, processed by a third-party administrator (TPA) on behalf of your insurance carrier. If you see a charge you don’t recognize—like “PHS-HEALTH-BILL”—it most likely means you or your employer enrolled in a health or supplemental benefit plan administered by Premier Health Solutions.
Premier Health Solutions is a third-party administrator based in Dallas, Texas that has been administering health and supplemental benefit plans since 2012. PHS works with independent agents and agencies across 48+ states, partnering with A-rated insurance carriers. We don’t sell insurance directly to consumers—we handle the billing, enrollment technology, compliance, and member services behind the plans that agents sell and carriers underwrite. This guide explains how health insurance billing works, what each charge means, and what to do if you have questions.
Why You’re Seeing a Health Benefits Charge
Health insurance billing involves multiple parties, which is why the company name on your bank statement may not match the name of your insurance carrier. Here’s how it works:
| Party | Role in Your Billing |
|---|---|
| Insurance Carrier | Creates the insurance product, sets premiums, and bears the financial risk of paying claims. This is the company providing your actual coverage. |
| Third-Party Administrator (TPA) | Processes your enrollment, collects your premiums, manages billing, handles member services, and ensures compliance. The TPA’s name is what typically appears on your bank statement. |
| Insurance Agent | The licensed, independent professional who helped you or your employer select and enroll in the plan. Your agent is your first point of contact for coverage questions. |
| Your Employer or Association | May have selected the plan on your behalf as part of a group benefits offering. You may not have chosen the plan directly. |
This is why you might see “PHS-HEALTH-BILL” on your statement instead of your carrier’s name. PHS is the administrator processing the billing on the carrier’s behalf. Your coverage is still backed by the insurance carrier or plan sponsor.
What “PHS-HEALTH-BILL” Means on Your Statement
“PHS-HEALTH-BILL” is the billing descriptor used by Premier Health Solutions for health and supplemental benefit plan premiums and products. If this charge appears on your bank or credit card statement, it means you are enrolled in a plan administered by PHS. The charge represents your regular premium payment for health or supplemental insurance solution.
PHS uses a clear, recognizable descriptor specifically so members can identify the charge. Many TPAs use generic or abbreviated descriptors that cause confusion. We believe you should always know who is billing you and why. For full details, see our billing transparency page.
Common Billing Questions and What to Do
I don’t recognize a charge on my statement
Start by checking your benefits paperwork, enrollment confirmation emails, or any documents from your employer or association about health benefits. The charge is likely a premium for a plan or product you or your employer enrolled in. If the descriptor includes a company name, search for that company online—legitimate administrators publish billing explanation pages.
I want to know what plan I’m enrolled in
Contact the administrator listed on your statement. A legitimate TPA can tell you exactly which program you’re enrolled in, which carrier or plan sponsor underwrites your coverage, who your agent of record is, and what your benefits include. PHS’s member support team can answer all of these questions.
I want to know who sold me my plan
Your TPA or carrier can identify your agent of record. Most consumers don’t choose their TPA directly—an independent agent or employer made that selection. If you’re unsure who enrolled you, PHS publishes information about this at who sold my plan to help members understand the enrollment chain.
I want to cancel my plan
Contact the administrator (Premier Health Solutions) or your agent of record to initiate cancellation. You have the right to cancel your coverage. Our Member Support team will walk you through the process, confirm any refund or prorated amounts, and provide written confirmation of cancellation. If you believe you were enrolled without your consent, see our guidance on consumer protection for health benefit plans.
I want to dispute a charge
If you’ve contacted the administrator and aren’t satisfied with the response, you can dispute the charge with your bank or credit card company. You can also file a complaint with your state’s Department of Insurance. Every state has a consumer complaint process for health insurance billing issues.
How to Read a Health Benefits Enrollment Confirmation
The confirmation receipt you receive after enrollment should include five pieces of information. If any are missing, contact the administrator for clarification:
| Statement Element | What It Tells You |
|---|---|
| Billing Descriptor | The company name that appears on your bank statement (e.g., “PHS-HEALTH-BILL”). This identifies the administrator processing the charge. |
| Charge Amount | Your premium or product payment for the billing period. Should match the amount disclosed when you enrolled or on your benefits summary. |
| Product Information | What product(s) are included in your enrollment. Should coordinate with your conversation with your enrolling agent. |
| Active Date | The date your coverage begins. Should align with what was discussed with your enrolling agent. |
| Contact Information | Phone number, website, or email to reach the administrator with questions. A transparent company makes this easy to find. |
How PHS Approaches Billing Transparency
PHS was built on the principle that members should always know who is billing them, what they’re being charged for, and how to get help. Every PHS transaction uses the clear “PHS-HEALTH-BILL” descriptor. Our billing transparency page explains exactly what the charge is and who we are. Our member support team is available to answer questions about any charge, explain your coverage, and help with claims or cancellations.
We also proactively communicate with members about their enrollment, explaining who sold them their plan and what their coverage includes. This level of transparency is a core part of how PHS operates—not an afterthought. Learn more about our trust and transparency standards and our approach to TPA services.
Understanding your health insurance billing doesn’t have to be confusing. The charge on your statement represents a premium for coverage administered by a TPA on behalf of an insurance carrier. If you have questions about any PHS charge, our support team is here to help—because billing transparency isn’t just something we talk about, it’s how we operate.
