PHS-Health-Bill on Bank Statement: How to Cancel or Dispute the Charge

A charge labeled PHS-Health-Bill on your bank statement is a payment collected by Premier Health Solutions, LLC, a third-party administrator that handles billing for short-term medical, dental, vision, and other health-related insurance products.¹ The descriptor rarely matches the brand you enrolled with, which is why the charge often looks unfamiliar even when it’s legitimate.

Why the Name Doesn’t Match What You Signed Up For

Premier Health Solutions is not an insurance company. It’s a third-party administrator (TPA) that processes payments and handles member support after you enroll in a plan sold by someone else.¹ When you buy coverage through a broker or marketplace, the company that pulls money from your account is often the administrator, not the carrier whose name appears on your insurance card.

Pivot Health, for example, sells short-term medical and supplemental plans administered by Allied National and underwritten by Companion Life, and payments for those policies can appear as PHS-Health-Bill. Pivot Health’s billing and benefits line is 844-630-7500.² If you enrolled through a different broker, the underlying administrator may still be Premier Health Solutions.

The products billed under this descriptor cover a wide range. Premier Health Solutions lists short-term medical, fixed indemnity, critical illness, accident, hospital indemnity, dental, vision, term life, disability income, ACA Marketplace plans, direct primary care, prescription savings programs, pet insurance, travel insurance, and home warranty plans.¹ Short-term medical and supplemental dental or vision coverage are the most common sources, partly because these plans are frequently bought during job transitions and can auto-renew without a clear reminder.

Figure Out Which Plan You’re Being Charged For

Before you cancel or dispute, spend a few minutes tracing the charge. Most of the time it turns out to be a real enrollment that slipped from memory, not fraud.

Search your email for confirmations from brokers or marketplaces such as Pivot Health or Health Markets. The confirmation usually names the specific plan and carrier.
Match the dollar amount on your statement against any insurance quotes you received. A recurring charge of the same amount each month points to a premium payment.
Check the Premier Health Solutions billing transparency page at premierhsllc.com for member support contact information.
Call Premier Health Solutions or the carrier with your bank statement in hand so the representative can look up the account using the exact amount and date.
Log into any insurance member portals you have credentials for. Active policies and billing history should appear in the account dashboard.

If none of that turns up a match, treat the charge as potentially unauthorized and use the dispute process below.

Canceling the Charge Through the Administrator

Once you know which policy the charge belongs to, cancel through the administrator itself. Your bank can block future withdrawals, but blocking a payment does not end the insurance contract, and unpaid premiums can be sent to collections.

What to Have Ready

Your member ID number, from the insurance card or enrollment email.
The email address used at enrollment, which is usually the account identifier.
The date and amount of the charge on your statement.
Your Summary of Benefits and Coverage, if you still have it.

How the Cancellation Should Go

Most administrators let you cancel through a member portal, by phone, or both. Online, download or screenshot the confirmation page and save the confirmation number. By phone, ask for a confirmation number and the exact date your coverage ends, and request that termination line up with the end of your current billing cycle so you don’t pay for a partial month.

Many states have a free-look period of 10 to 30 days after you purchase a policy, during which you can cancel for a full refund. Mention it if you’re still within that window. Outside the free-look period, whether you get a prorated refund depends on your state’s rules and the policy terms.

Expect a confirmation email within one to two business days. Save every message, code, and screenshot. That paper trail matters if the company keeps billing or turns the account over to collections.

Disputing an Unauthorized Charge With Your Bank

If you never enrolled in anything and the charge is genuinely unauthorized, federal law gives you a structured way to dispute it. Because PHS-Health-Bill charges come through as electronic fund transfers, the governing law is the Electronic Fund Transfer Act and its implementing rule, Regulation E, not the Fair Credit Billing Act (which covers credit cards).³

Filing the Dispute

Contact your bank and report the unauthorized transfer. You can do this by phone or in writing, though the bank may require written confirmation within 10 business days of an oral report.⁴ Give your name, account number, the disputed amount, and the reason you believe the transfer was unauthorized.

Timelines and Provisional Credit

Your bank has 10 business days to investigate. If it can’t finish in that time, it may extend the investigation to 45 days, but only if it provisionally credits your account for the disputed amount within the initial 10 business days.⁴ You can use those provisional funds while the investigation continues. If the bank confirms the transfer was unauthorized, it must correct the error within one business day of that determination.

Reporting Deadlines

Report an unauthorized transfer within 60 days of the date your bank sent the statement showing the charge. Miss that window and you can be held liable for any unauthorized transfers that happen after the 60-day period. When a lost or stolen debit card or account number is involved, reporting within two business days caps your liability at $50. Waiting longer than two business days but less than 60 raises the cap to $500.⁵

If the bank sides with you, it can permanently reverse the charge and block the merchant from future withdrawals. Ask the bank to place a stop-payment on the specific merchant descriptor so repeat charges don’t slip through while the dispute is pending.

Don’t Just Stop Paying

Removing the payment method or letting the charge bounce is risky. For a Marketplace plan with premium tax credits, federal rules give you a three-month grace period after a missed payment before coverage terminates, provided you paid at least one full month’s premium during the benefit year.⁶ Claims from the first month of the grace period are generally paid; claims from months two and three can be denied and billed back to you if you don’t catch up.

Short-term and supplemental plans purchased outside the Marketplace follow state law and their own contract terms. Some policies terminate almost immediately after a missed payment with no reinstatement option. Short-term plans are not guaranteed renewable, so losing one mid-term means reapplying and going through medical underwriting again, and a change in your health could disqualify you. Formally canceling is safer than letting the payment fail.

Escalating to Your State Insurance Department

If the administrator won’t process your cancellation, keeps billing after you’ve canceled, or refuses a refund you’re owed, your state’s department of insurance can step in. Every state runs a free consumer complaint process.⁷

Before filing, pull together your cancellation confirmation, correspondence with the company, a phone log, and bank statements showing the charges. The National Association of Insurance Commissioners’ consumer page at content.naic.org/consumer links to each state’s complaint form.⁷ The department will typically contact the insurer and require a formal response. When the charge is unauthorized, filing a Regulation E dispute with your bank and a complaint with the state department at the same time gives you two independent routes to resolution.

1
Premier Health Solutions. Why Does My Statement Say PHS-HEALTH-BILL
2
Pivot Health. For Members
3
Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
4
Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors
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Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
6
HealthCare.gov. Grace Period
7
NAIC. How to File a Complaint and Research Complaints Against Insurance Carriers