Health Plan Options Philadelphia American has 2 Affordable Defined Benefit Plans Health Saver Plus Gold HEALTH SAVER PLUS GOLD The most Benefit Rich “Hybrid” Defined Benefit Plan in the market Unique Features: $5,000,000 Lifetime Maximum per policy Choice of Calendar Year Deductible Options Three Annual Maximum Benefit Amounts to select from Three Benefit Options to pick Use any Doctor or Hospital you choose without Penalty Additional Savings Available thru PHCS Network