Compare the guaranteed lowest allowable rates for your Pennsylvania health insurance plan coverage and enroll in 20 minutes. Pa policies are available through the Exchange with pre-existing conditions covered. You also can not be denied for medical reasons, and a government tax credit may help you pay for the policy. Plans are also offered that do not receive a federal subsidy. If Obamacare is replaced by future legislation, additional options will become available.
Senior Medigap plans are also offered and can be easily reviewed. Medicare Supplement and Advantage contracts may be able to reduce your copays, deductibles, coinsurance, and specific out-of-pocket expenses not covered by original Medicare. Part D prescription drug coverage is also offered to persons that have reached age 65. Plans A-N are standardized, and also include a high-deductible option. Regardless if an applicant resides in Pittsburgh, Altoona, Harrisburg, Scranton, Reading, Lancaster, Philadelphia, or any other city, several policy options are always available.
All Pa Residents Eligible
Whether you are working for yourself, working for an employer, uninsured, self-employed, a single person, or a family, our website allows you to research, compare and apply for quality individual health care coverage in Pennsylvania, both an and off the Marketplace. Non-Obamacare plans are also available. Legislation often changes, and you can always view the most recent policy details and rates here. When the Trump Administration completes the partial (or total) change or replacement of Obamacare and the Affordable Care Act, your options will be updated. A new catastrophic option with lower premiums may become available.
You can quickly view plans (Senior and under-65) from the best providers, such as Blue Cross Blue Shield, IBX, Highmark, AARP, UPMC, Keystone, Aetna (Coventry), UnitedHealthcare, Capital Blue Cross, Geisinger, and Cigna. During Open Enrollment periods, the process is especially quick. Many additional plans are offered to small and large employers that provide their employees with medical benefits. CHIP and Medicaid coverage may be available, depending on the household income. Our free online tools and advice allow you to view options for all family members, including dependents and children.
Online Quotes And Rates Are Available 24/7
Your online Pa health insurance quotes are provided by an Agency/broker with more than 37 years of experience. In less than three minutes, you can view the most popular healthcare plans. Your service is provided by a live person, and not an automated website. Inexpensive Keystone State plans are available 24/7 on our website. If you qualify for a "Special Enrollment Period" exception, you can obtain subsidized or traditional coverage at any time throughout the year. It is possible that some family members may be eligible for Medicare, Medicaid, or CHIP. Group employer-provided benefits may also be available.
PPOs, HMOs, EPOs, HSAs, and all comprehensive and catastrophic plans are presented in an easy-to-understand format. If you are a small business owner or your employer does not offer health insurance, we help you purchase the policy that stays within your price range. A special business SHOP Exchange is available at any time, and is not subject to Open Enrollment periods. Both comprehensive and high-deductible options are offered. Larger corporations can secure Group discounts for their employees, with multiple choices, including HSAs. Catastrophic high-deductible plans are available for persons under age 30, and Seniors (Plan F HD Supplement option).
Medical coverage is much less costly than most other states. Currently, our own state has the 10th lowest rates in the US, according to an Administration study that was recently released. One of the primary reasons (as previously stated) is the availability of instant tax credits that immediately lower policy premiums. You may also qualify for Medicaid if your monthly income (single person) is below $1,387. The limit for a family of two is $1,868, and a family of four is $2,829. You can also apply for Marketplace plans at these income levels, but no federal subsidy will be offered. CHIP benefits may be offered to dependents in the household. Senior products are offered by more carriers than Under-65 products.
Affordable Healthcare Plans Are Available In All Parts Of Pennsylvania
There are many policies that will fit in your budget, and we provide all of the free research and comparisons. These plans will be available when you need them, and contain the benefits that you are most likely to utilize. National healthcare reform in the last five years has changed many benefits, and we review how they affect you, and what coverage you now will receive.
For example, 10 "essential" benefits are included on all non short-term policies. Maternity, ER, office visits, prescriptions, and pediatric dental are the most common required benefits on qualified plans. However, it is possible that several of these benefits will no longer be required in 2019, providing more low-cost customized plans. Individual states may also be provided more funding and decision-making, which may create more local customized plan options.
Each year, new plans become available that often feature very attractive prices. You can keep an existing plan, or choose to enroll in a new policy. Several popular low-cost 2018 options that are offered both on and off the Marketplace include:
UPMC Advantage Bronze $6,950/$35
UPMC Advantage Silver $3,500/$25
UPMC Advantage Silver $0/$50
Highmark my Direct Blue HMO 6950B
Highmark my Direct Blue HMO 7000B
Highmark my Direct Blue 7150S
Highmark my Direct Blue 1000G
Geisinger Marketplace HMO 30/60/6100
Geisinger Marketplace HMO 30/60/4650
Capital BlueCross PPO 7350/0/60
Independence Blue Cross Personal Choice Bronze Reserve
Independence Blue Cross Personal Choice PPO Bronze
Independence Blue Cross Keystone HMO Silver Proactive
Companies Must Be Licensed, Registered And Approved
Any Agency or individual that offers Pennsylvania plans must be licensed by the Department Of Insurance. Carriers that do business in the Keystone State must register and maintain a license. Any changes in premiums must be approved by the DOI and no broker or agency can offer you a “special price.” You will always be quoted the lowest possible rate on this website. There are never any costs or fees for utilizing our resources and we maintain very tight security. Financial information is never requested. The DOI also provides comparison tools and many consumer services. Policy, law, and regulation information is available upon request.
If you meet specific income requirements, up to 100% of your premium can be paid by the government. If you are uninsurable, you will not be denied benefits. When you apply for a policy, the only medical-related question required is whether you are a smoker or non-smoker. Your zip code and/or county of residence will impact the cost of coverage. And of course, your age and type of plan applied for, will also affect the rate. Senior plans are generally not medically-underwritten, although your age, sex, smoking status, and county of residence can impact the cost. Moving to a different service area will typically allow you to change plans outside of the Open Enrollment period.
Pa Senior Medigap Coverage - Compare Options On Our Website
If you have reached age 65, you are probably Medicare-eligible. Although original Medicare provides comprehensive benefits and covers most expenses, gaps still require you to pay many out-of-pocket medical costs. A Medigap plan (Supplement or Advantage) can help pay many of these expenses, which include deductibles, coinsurance, foreign travel, blood, skilled nursing care facility copays, and prescriptions.
To qualify for a plan, you must be enrolled in both Parts A and B. You also can not have both an Advantage and Supplement plan in-force at the same time. Part D prescription drug coverage can be purchased separately, although sometimes it is included in Advantage contracts. Also, your Part B premium is paid directly to Medicare. Unlike under-65 policies, each individual applies separately for their own plan. Therefore, two different policies may be purchased from two separate carriers. And for example, one spouse may enroll in Plan A, while the other spouse selects Plan F.
Carriers that offer Medicare Supplement plans in Pennsylvania include Aetna, AARP, American Republic, Avalon, Central States, Colonial Penn, Companion Life, Continental General, Equitable, Geisinger, Gerber, Globe, Highmark BCBS, Humana, Independence Blue Cross, Liberty National Life, Loyal American, Manhattan Life, Oxford Life, Philadelphia American, Physicians Mutual, Royal Neighbors of America, State Farm, Sterling Life, Thrivent, Transamerica, United American, United of Omaha, UPMC, USAA, and World.
Medicare Advantage plans are also available. Private carriers contract with Medicare to offer Parts A and B coverage. Prescription drug benefits are also offered with many policies. Shown below are several plan options that received the "Highest Overall Rating" designation from US News & World Report. It is important however, to consider and compare all available options before enrolling. Also, many plans are are only offered in specific counties, and not all Advantage plans include prescription benefits. Each company offering these types of plans have specific provider networks that must be used.
UnitedHealthcare, Erickson Champion, Freedom, and Guardian, Highmark Community Blue Medicare HMO Signature and Prestige, Highmark Freedom Blue PPO Classic, Deluxe, Select, Standard, and ValueRx, Geisinger Gold Classic Advantage Rx, Gold Secure Rx, and Gold Classic Complete Rx, UnitedHealthcare Assisted Living, Advantra Silver, Aetna Medicare Standard, HumanaChoice, SeniorBlue, Gateway Health Medicare Assured, AARP Medicare Complete, Keystone 65, Personal Choice 65, Cigna HealthSpring Preferred, Health Partners, Security Blue HMO, and UPMC For Life HMO.
Part D prescription drug plans that are available, include Avalon SecureRx, Highmark Blue Rx PDP, Express Scripts Medicare Choice and Value, SilverScript Choice and Plus, AARP MedicareRx Preferred, Walgreens, and Saver, First Health Part D, Cigna-HealthSpring Rx Secure, EnvisionRxPlus, Humana Enhanced, Preferred Rx, and Walmart Rx, UnitedHealthcare Symphonix Value Rx, WellCare Classic and Extra, and Magellan Rx Medicare Basic.
Any broker or agent can show you a health insurance plan. But shopping and researching Pennsylvania is our specialty, and we make certain that you receive the highest quality coverage at the lowest available rates. No “discount” or “limited benefit” policies are ever be used, and we carefully review every page of each policy to make sure there are no "hidden" surprises. Although Senior Medicare Supplement plans have standard features, rates can widely vary. We make it easy to compare all available plans and customize options to match your medical and budget needs.
Please contact us any time for additional information regarding your personal, Marketplace, or Medigap coverage. We find the best plan for your specific situation and thoroughly explain all of your policy benefits. You can compare and review rates 24/7 on our website. If you have missed the Open Enrollment deadline, many options remain available.