Find a doctor or facility PHCS. The PHCS Network is designed to be used with limited benefit plans that offer a higher level of coverage. MultiPlan does not offer or sell health insurance, but does offers an online provider. Your HD Protection Plus plan includes the PHCS Network through MultiPlan, Inc. To find participating physicians and facilities within Oklahoma: CommunityCare Life and Health Insurance Company utilizes the CommunityCare PPO Network. When we contacted Multiplan/PHCS in July of 2016, their provider rep told us that.