Location,TX 77056,USA
(281) 860-2042
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PHMA® FAQ

1 | Can I Use My PHMA® Plan For Any Non-Veterinary Expenses?

No. Your PHMA® plan can only be used at veterinary providers and will not work at any other pet-related business establishments.

2 | How Does The PHMA® Pet Medical Benefit Monthly Matching Work?

The PHMA® product design was constructed for implementation by one of the most renowned actuarial firms in the world today. The PHMA® pet medical benefits can only be used to pay for services at veterinarian offices and contain no cash value.

3 | What Happens When The PHMA® Reaches Its Target Medical Benefit Cap?

When your pets’ PHMA® plan reaches its predetermined, target medical benefit cap, you are no longer required to make your full, monthly PHMA® contribution and will only be required to pay a monthly maintenance fee until your subsequently use your PHMA® Medical Benefits ID Card to make a new payment on behalf of one of your pets at your veterinarian’s office. Once this occurs, you will once again make a PHMA® pet medical benefit contribution the following month in order to build your PHMA® plan back up to its predetermined, target medical benefit cap.

4 | What If The PHMA® Owner Wants To Change Their Monthly Contribution Amount Or Target Medical Benefit Cap?

PHMA® monthly contribution levels are designed to be flexible in order to accommodate anyone seeking to build a superior medical savings plan for their pets and thereby significantly reduce their pet health care expense obligations by pre-funding their current and future, out-of-pocket, pet medical expenses. Pet Health Matching Account Services (PHMAS®) offers a variety of different levels of PHMA® contribution programs with corresponding target medical benefit caps that these plans build up to ranging from $2,500 all the way up to $20,000 per participating pet owner. The PHMA® program is incredibly flexible and provides pet owners with the ability to adjust both their monthly contribution amounts and target caps in order to be able to scale up their PHMA® pet medical benefits as they see fit. If a PHMA® owner wishes to increase their monthly contribution level and its corresponding, target medical benefit cap, they will be permitted to do so one time per month by calling the PHMAS® customer service department.

5 | How Do I Access My PHMA® Medical Benefits To Pay For My Pet’s Veterinarian Expenses?

You can access your PHMA® plan benefits to pay for your qualifying pet medical needs by presenting your PHMA® Medical Benefits ID Card at your veterinary providers at the time of service. A digital version of the PHMA® Medical Benefits ID Card will be available in each participant’s member portal. Your providers will then verify both the eligibility of the service and that you have a sufficient amount of pet medical benefits available in your PHMA® plan to pay for this medical expense. No further action will need to be taken by the PHMA® participant at their providers. You can check your current amount of PHMA® medical benefits any time either on your PHMA® member portal or mobile app.

6 | What Happens If My Pet Passes Away? Will I Still Be Able To Retain My PHMA® Pet Medical Benefits?

Yes. Not only can you use your PHMA® plan for all of your current pets, but once your pet(s) pass away you can retain your plan’s pet medical benefits, continue to contribute and use it automatically for any of your new pet(s) veterinary needs as well.

7 | What Happens If I Pass Away? Will My Spouse Still Be Able To Retain Our PHMA® Pet Medical Benefits?

Yes. If you as the primary PHMA® plan owner pass away, your PHMA® pet medcial benefits will be passed on to your spouse listed on your plan and will continue to be maintained until your spouse passes away.


The PHMA® is not pet health insurance.