Who Sold My Health Insurance Plan?
If you're trying to figure out who sold your health insurance plan, you're not alone. Several different parties are involved in coverage, and it's easy to mix them up. This page breaks down who does what, and where to go for help.
Who sold your health insurance plan and why it matters
- Your plan was sold by a licensed independent insurance agent or agency.
- Your coverage is underwritten by an insurance carrier or program administrator.
- Your claims are decided by the carrier or program administrator, not Premier Health Solutions LLC.
- Your billing and account support services are handled by Premier Health Solutions LLC as the Third-Party Administrator for your plan.
Each role is separate, and understanding the difference can save time and frustration.
Who sold your plan
Health and supplemental benefit programs are sold by licensed independent agents or agencies. These agents or agencies are not employees or subsidiaries of Premier Health Solutions. The role of these agents is governed by consumer protection standards overseen by regulatory bodies like the NAIC consumer resources.
The name and contact information of the independent agent or agency that enrolled you is usually listed in:
- Your welcome email or enrollment confirmation
- Your enrollment documents
If you have questions about what was discussed during enrollment, that independent agent or agency is the appropriate first point of contact.
Who underwrites your coverage
Your coverage is underwritten by the insurance carrier or program administrator associated with your plan.
This entity:
- Assumes the insurance risk
- Sets coverage terms and benefits
- Establishes eligibility rules
The underwriting entity or administrator is listed in your plan or program documents and on your ID card.
Who decides claims
Claims are reviewed and decided by the carrier or program administrator, not Premier Health Solutions.
If you have a question about:
- A denied claim
- A payment amount
- A claim status
The contact information for the carrier or program administrator will be printed on the back of your ID card or included in your plan documents in the Member Portal, so you can have your claims questions answered by them.
What Premier Health Solutions does
Premier Health Solutions, LLC is a Third-Party Administrator (TPA).
We may help with:
- Billing and payment processing
- Account administration
- Member portal access
- Billing questions and account updates
- Helping you locate the correct contact or plan document
- Understanding your program and helping to assist you in utilizing your benefits
We do not sell insurance direct to consumers, underwrite coverage, or make claim determinations.
If you feel misled during enrollment
If you believe your plan does not match what you were told by the independent agent or agency, Premier Health Solutions LLC wants to be aware of the issue.
Helpful information to gather includes:
- The name of the independent agent or agency
- Approximate enrollment date
- Member ID
- Any emails, texts, or documents you received, including your E-Signature Enrollment Document
- A brief description of what you believe was misrepresented
Concerns can be submitted for review through our Consumer Protection and Complaints process.
About the review period
Many plans include an examination or review period that allows you to review coverage after enrollment. A 30-day period is common, but some plans have shorter review periods.
The exact length and rules are outlined in your E-Signature Enrollment Document or program documents. Reviewing those materials promptly is important if you have questions or concerns.
Where to find your information
If you're unsure where to start, these are usually the fastest options:
- Member Portal for billing and account details
- Plan or Program documents for coverage and underwriting information
- ID card and Member ID for claims contact details
- Member Support if you need help finding the right resource
We administer your plan. We don't provide the insurance.
A third-party administrator (TPA) is the operations engine behind health benefits. Your insurance carrier designs and underwrites your plan. PHS handles everything else — from enrollment and billing to member support and regulatory compliance.
Think of us as the bridge between insurance carriers and the agents, associations, and members who rely on those plans every day.
Related pages and resources
How Your Plan Works →
Understand who handles what with your plan
Billing Transparency →
Questions about billing or charges
Member Support →
Help with your account or portal
Before You Call →
Try self-service before picking up the phone
Consumer Protection →
Concerns about enrollment or conduct
Trust & Transparency →
General trust and clarity
Common questions
No. Your plans were sold to you by licensed independent agents or agencies.
We handle billing and account administration after enrollment as the Third-Party Administrator.
The carrier or program administrator listed on your ID card.
Start with our Billing Transparency page or contact Member Support so your account can be reviewed.
You can submit concerns through our Consumer Protection and Complaints process for review.
Contact your enrolling agent or Member Services to review your needs to see if a different program may be a better fit or you can request a cancellation at that time.
Your plans were sold to you by a licensed independent agent or agency. We handle billing and account administration after enrollment, which is why Premier Health Solutions appears on your billing statement.