Questions people ask before they call

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.

Pennsylvania, Delaware, Maryland, Indiana, Kentucky, Kansas and Missouri. The office is at 361 Paxon Hollow Rd in Media, Delaware County, and most clients are within an hour of it.

Dental is not written as a stand-alone policy. You must be a Health Saver Gold policyholder to add it. It is a hybrid plan, combining traditional dental coverage with PPO discounts.