Media, Pennsylvania · Independent health insurance agents
Health plans that let you keep your own doctor, placed by the same Media, PA agent for twenty-seven years.
Pro Health Plans is Mike Garvey. He sits down with individuals, families and small businesses across seven states, works out what their household actually needs covering, and puts them on a plan that does not route their care through somebody else's network.
Mike Garvey is an independent agent, so nothing here is placed to hit a carrier's quota. Read across the tabs and see which one is describing your situation.
Scroll through the rooms
Tab 01
Health Saver Plus III
The plan most Pro Health Plans households end up on. A traditional indemnity plan with the freedom and the cost savings that go with it, a $5,000,000 lifetime maximum per policy, and guaranteed renewal until age 65.
Tab 02
Indemnity plans
Fee for service, not a network you are locked inside. No primary care doctor to choose, no referral to see a specialist, and no geographic limit on where you go for care.
Tab 03
Medicare Supplement
For people already enrolled in Medicare Part A and Part B. Affordable and stable premium rates, fast underwriting and policy issue, and prompt electronic claim service.
Tab 04
Dental
A hybrid plan that combines traditional dental coverage with PPO discounts. It is never written on its own: you have to be a Health Saver Gold policyholder to add it.
Tab 05
24 Hour Accident
Cover for the medical expenses and the living costs that arrive together when someone gets hurt. Accidental death, ground or air ambulance, daily hospital income and dismemberment.
Tab 06
Annuities
A single premium deferred annuity with a high guaranteed interest rate and a short surrender period, written for a financially conservative person at or near retirement.
What the plan publishes
$5,000,000
Lifetime maximum, per policy
Health Saver Plus III is guaranteed renewable until age 65. Preventive care benefits and daily emergency ambulance cover, ground and air, are included in every policy. These are the plan’s own published terms, summarised. The policy and its exclusions govern.
The majority of Pro Health Plans policyholders have chosen $500,000.
Providers in the MultiPlan and PHCS network
Almost 900,000
Doctors, specialists and hospitals nationwide, at no additional cost, with no referral needed to use any of them.
Prescription reimbursement
$15 generic · $30 brand
Through ScriptSave, accepted at more than 62,000 retail pharmacies.
Included at no extra cost
Four things that ride along with the plan
None of these are add ons and none of them carry a separate premium. They are the reason an indemnity plan from a small brokerage can hold its own against a much larger name.
A local Philadelphian who lives in Delaware County with his wife Maryanne, with more than twenty-seven years of health insurance experience behind him. He specialises in finding affordable and sensible solutions for a household’s healthcare needs, for individuals and for small and medium businesses alike.
Licensed, independent, and answerable to you rather than to a carrier.
Pro Health Plans is owned and operated by a group of licensed, independent insurance agents who have met the financial and ethical standards set by New Era - Philadelphia American Life Insurance Company. Pro Health Plans has also completed the licensing standards set by each state in which we engage the insurance business.
In their own words
What people said after Mike moved them
Four comments from Pro Health Plans clients, with the towns they were written from. The savings figures are theirs, describing their own move, and are not a quote for anybody else.
“I am thrilled with what Pro Health Plans did for my family. We are saving $800 a month versus our previous Cobra coverage.”
Mike, New Hope, PA
“Pro Health Plans saved me 55% on my insurance premiums. Mike Garvey and his team were straight shooters and made the process as simple as could be.”
Keith, Mainline, PA
“Mike met with me personally. My new plan with Pro Health Plans saved me 58% and $695 per month. My new coverages started in only a week. It really was a sensible solution.”
Christopher, Wilmington, DE
“After talking with Mike and his team once, I was able to see a $300 (43%) monthly savings on my individual plan. I am pleased to say it actually works better.”
Chuck, Newtown Square, PA
Before you call
Questions people ask first
Including the one worth reading before you spend any time on an application: not everybody qualifies, and it is better to know that in the first five minutes.
Yes. Health Saver Plus III is an indemnity plan, so there is no primary care gatekeeper and no referral needed to see a specialist. You can use any doctor, specialist or hospital in the country. The MultiPlan and PHCS PPO network of more than 900,000 providers comes with the plan at no additional cost, but it is an option rather than a restriction, and there is no penalty for going outside it.
Health Saver Plus III, a traditional indemnity health plan underwritten by Philadelphia American Life, plus Medicare Supplement Insurance, a hybrid dental plan, a 24 Hour Accident Expense plan, and single premium deferred annuities. Mike Garvey is an independent agent, so the plan is matched to the household rather than to a quota.
Maximum Covered Benefits are published in three tiers per covered person per calendar year: $250,000, $500,000 and $1,000,000. Most Pro Health Plans policyholders choose the $500,000 tier. The lifetime maximum is $5,000,000 per policy and the plan is guaranteed renewable until age 65.
No. Pro Health Plans offers alternatives to Marketplace coverage, which is the reason most people call. It tends to suit households with no employer plan and no subsidy eligibility, small business owners, and adults who have aged off a parent's policy at twenty-six.
Yes, and it is worth knowing before you spend time on an application. You do not qualify if a medical treatment was rendered or recommended by a physician, or drugs or medicine were prescribed, within twelve months prior to a covered person's effective date for certain medical conditions. There are further exclusions and limitations set out on the Do I Qualify page. Rates depend on underwriting by Philadelphia American Life, including standard and tobacco user rates.
ScriptSave prescription savings, accepted at more than 62,000 retail pharmacies, with $15 reimbursed per daily generic prescription and $30 per brand name. Teladoc, with US board-certified physicians available by phone or app 24 hours a day. Karis360, a dedicated team of advisors for healthcare questions, surgery costs and bill negotiation. A concierge phone line. Preventive care benefits and daily emergency ambulance cover, ground and air, are included in all policies.
Start here
Tell Mike who needs covering
One phone call is usually enough to know whether there is a plan here that fits. If there is not, he will say so. Pro Health Plans writes in Pennsylvania, Delaware, Maryland, Indiana, Kentucky, Kansas and Missouri.
Pro Health Plans is owned and operated by a group of licensed, independent insurance agents who have met the financial and ethical standards set by New Era - Philadelphia American Life Insurance Company. Pro Health Plans has also completed the licensing standards set by each state in which we engage the insurance business.
