Add-on only
Dental coverage, but only alongside a Health Saver Gold policy
Pro Health Plans writes a hybrid dental plan that combines traditional coverage with PPO discounts. It is never sold on its own.
Chapter 01
This is never a stand-alone policy
Dental insurance through Pro Health Plans is not written by itself. You have to already hold a Health Saver Gold policy before dental can be added to it. If you are shopping for a dental plan on its own, without a Health Saver Gold policy underneath it, this is not that product.
Mike Garvey can walk you through what a Health Saver Gold policy covers first, and add dental once that base policy is in place. The order matters: the Health Saver Gold policy comes first, dental rides on top of it.
A stainless instrument tray and a folded paper bib squared on a dental surgery countertop.
How the hybrid works
The dental add-on is built as a hybrid. It combines a traditional dental insurance benefit with PPO discount pricing, so you are not choosing between a plan that pays claims and a discount card that only lowers the sticker price. Both structures work together inside the one add-on.
That combination is the point of calling it a hybrid rather than a standard dental policy. Traditional coverage does what traditional coverage does, and the PPO discount side sits alongside it wherever a negotiated rate applies.
Chapter 03
Where the discount side matters most
The PPO discount half of the hybrid does the most work on the visits and providers where a straight dental benefit alone would leave you paying full price. That is the gap it is built to close, alongside whatever the traditional side already pays.
If dental is something your family uses regularly rather than once a year, ask Mike specifically how the two halves line up for the providers you already see. He will walk it through against your own Health Saver Gold policy rather than in the abstract.
Pro Health Plans. 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. Call (610) 529-1106.
The restriction runs one way. A Health Saver Gold policy can exist without dental added to it, but dental never exists as its own policy. If you are not sure whether you already hold a Health Saver Gold policy, that is the first thing to confirm before asking Mike about adding dental.