Medicare Advantage Plans In Pennsylvania Comparison

Affordable Pa Medicare Advantage plans for Seniors are available. We review and compare the highest-rated policies from all major companies. Part C benefits provided by private carriers in Pennsylvania, provide high-quality coverage at extremely low rates. Premiums are typically much less than standard Supplement options, and often out-of-pocket expenses are lower, with dental and vision benefits included. The online quotes you view are the lowest available rates from each carrier.

As an alternative to traditional Medicare, plans cover preventive care, hospital and physician services, lab tests, x-rays, and conventional Medigap benefits. Part D prescription and drug coverage is also generally included. Top-rated companies offer policy options in Pittsburgh, Philadelphia, Harrisburg and all areas of the Keystone State. Applying and enrolling is quick and easy. And about half of all plans feature a $0 premium. You can’t get rates any lower!

Many policy options offer prescription benefits. Referred to as Medicare Advantage Prescription Drug Plans (MAPDS), your healthcare and drug coverage are included in one contract. NOTE: We also reviewed Medigap plans in Pennsylvania. Since these contracts do not replace original benefits, premiums are typically higher than Advantage plan options.

 

Different Types Of Available MA Plans

Pa Medicare Advantage Plans And Rates

PPO Plans Offer Flexibility When Choosing Providers

PPO – The Preferred Provider Organization  concept is quite simple. If you utilize “in-network” physicians, specialists, and hospitals, you pay less. If you go “outside” the network, you pay more. Typically, there is a wide selection of doctors and other medical facilities, and a referral is not required to see a specialist. Many plans include drug benefits, and several additional optional riders are available.

HMO – Health Maintenance Organizations are more restrictive than a PPO, since you need a referral from your primary care physician (pcp) to see a specialist. Also, the list of available providers may be less extensive than a PPO, since the service area is smaller. Many qualified preventative  expenses, such as mammograms, do not require a referral. NOTE: Occasionally, an HMO Point Of Service (HMOPOS) contract is available, that provides out-of-network services.

Private Fee-For-Service – PFFS plans are issued by private insurers. They are classified as a type of Medicare Advantage coverage (Part C). The dollar amount paid to doctors, specialists, and hospitals is per-determined along with the out-of-pocket costs you will pay. If prescription benefits are not included, you are permitted to obtain a Medicare drug plan.

Special Needs Plans – SNPs are designed to provide affordable coverage for persons with specific diseases, live in a nursing home, require home nursing care, or have certain disabling diseases. Several examples are chronic heart failure, dementia, HIV, or End-Stage Renal Disease (ESRD). Being enrolled in Medicare AND Medicaid also qualifies.

Medical Savings Account Plans – An MSA option allows you to pay qualified expenses from a separate account that receives deposits from Medicare. Two separate policies are included in coverage. The high deductible health plan (Part C) has a large deductible to meet. The “savings account” portion (similar to an HSA for persons under age 65) uses funds deposited into the account to pay for medical costs prior to reaching your deductible.

 

Companies Offering PA Advantage Coverage

Many highly-rated licensed and registered carriers offer policies for Keystone State residents. Shown below are reputable and reliable companies that feature popular and affordable policy options. Not every carrier is listed and many plans are not available in all counties. Additional Pa Medicare Advantage plan information is provided by the federal government through brochures and website data.

AARP

Aetna

Capital Advantage

Coventry

Erickson Advantage

Geisinger Gold

HealthAmerica

Highmark Choice

Highmark Senior Health

Humana

Keystone Health Plan Central

UnitedHealthcare

UPMC

 

UPMC Medicare Plan Quotes

Affordable UPMC Senior Medicare Plans Are Available

 

Although there are many available policies offered by major top-rated carriers in the Keystone State, many plans are offered only in specific regions. For example, UPMC contracts are available in the Western part of the state along with other nearby areas. Keystone contracts are offered in the five-county Philadelphia area. Upon request, we can provide the counties/zip codes that the options listed below are available.

Also, benefits discussed below are typically referring to “in-network” treatment. A separate list is shown further below for plans with prescription coverage. An additional resource is found here. The DOI helps protect consumers that are applying for Senior coverage.

 

Pa Advantage Plans Without Prescription Drugs

Highmark Freedom Blue PPO Basic – Unlimited days covered for an inpatient hospital stay with a single $351 copay. Customer pays nothing per day after first 90 days. Primary-care physician copay is $15 ($30 out-of network) while specialist copay is $35 ($45 out-of-network). MRIs and CT Scans are subject to only a $125 copay, and lab services are generally subject to only a $5-$15 copay.

The ER copay is $75, but is waived if admitted to the hospital within three days. The Urgent Care and ambulance service copays are $50 and $125 respectively. Eight chiropractic visits per year are covered with a $20 copay as well as 190 lifetime days of inpatient mental health treatment at a psychiatric hospital. 10 routine foot care visits are included in the policy along with limited dental services. Hearing ($35 copay for exams) and vision (annual routine eye exam) benefits are also included.

Geisinger Gold Classic Advantage – Available in Central Pennsylvania and several surrounding counties. Unlimited inpatient hospital stay coverage with $125 copay for first five days. Office visit copays are very low ($5 and $20) with diagnostic testing and x-ray copays only $5. Outpatient x-rays cost $25. Emergency care is subject to a $75 copay.

Urgent Care visits cost just $20 while ambulance services have a $100 copay. Occupational, physical, and speech/language therapy are subject to only a $10 copay. Four free foot care visits are provided at no charge. Limited dental services are provided and one hearing exam per year ($20 copay). Up to $800 every three years is available to purchase hearing aids. Annual vision exams have a $20 copay and $200 every two years is provided for glasses and contact lenses.

Keystone 65 Preferred Medical Only – Available on Bucks, Montgomery, Philadelphia, Chester, and Delaware counties. Bucks and Philadelphia county rates are lower than the other three counties. Inpatient hospital stay out-of-pocket expenses are $240 per day for the first six days. The primary-care physician  copay is only $5, although the specialist copay is $40.

There is no out-of-pocket expense for lab fees, diagnostic tests, and x-rays, and the ER copay is $75. Urgent Care visit copays range from $5-$40. Outpatient individual and group therapy for mental health care expenses is $40. Limited dental services and one routine hearing exam every three years are covered. Vision benefits cover one exam ($40 copay) every two years with a pair of glasses or contact lenses (up to $100).

Erickson Advantage Signature Without Drugs – Available in Bucks and Delaware Counties, the Erickson plan is one of the highest-rated options in the Philadelphia area. Out-of-network hospital-care is subject to 30% copay. PCP visits are covered at 100% while specialist visits have a low $35 copay.

Diagnostic radiology services and emergency care subject to $50 copay and $150 copay for ambulance services. Chiropractic services are covered and each visit has an out-of-pocket cost of $20. Contact lenses and eyeglasses have no out-of-pocket expense, although are limited to one every two years. If following cataract surgery, also covered at 100%.

Highmark Security Blue HMO Basic – Available in many Western and nearby Pa Counties. Maximum out-of-pocket expenses of $6,700. $350 copay per hospital stay and office visit copays of $5 and $30. MRIs and CAT scans have $100 copay and $75 copay for ER visits. Ambulance and Urgent care have $125 and $50 copays.

Six chiropractic visits per year are allowed subject to a $20 copay. Outpatient group and individual substance abuse therapy visits are covered with only a $30 copay. Occupational, physical, and speech/language therapy are are subject to the same copay. Like most other companies, some dental, vision, and hearing services are provided.

UPMC For Life – Available in Western Pa, along with many other counties, such as Lancaster, McKean, Potter, Elk, and Cameron. There is no deductible to meet and the maximum out-of-pocket expenses are $3,400. Office visit copays are $5 and $45 with a $350 copay per stay for hospital visits. MRIs and CAT scans are subject to only a $110 copay.

Diagnostic tests, procedures, and lab tests are typically paid with a copay of $5 0r less and outpatient x-rays cost $30. The ER copay is $75, ambulance service copay is $125, and Urgent Care copay is $50. Outpatient therapy visits cost $40. Dental, vision, and hearing services are similar to other available plans.

HealthAmerica Advantra Basic Medical – Available in Western and Central Pa, this Advantra HMO plan features a $6,700 deductible with $10 and $50 office visit copays. A $295  copay applies to diagnostic radiology services with $25 and $35 copays applied to lab services and outpatient x-rays respectively.

Outpatient surgeries cost $350 at an ambulatory surgical center and $400 at a hospital. Urgent care and ER visits are subject to $50 and $75 copays. Inpatient hospital stays result in a $225 charge for the first seven days. Four routine foot-care visits are allowed per year ($50 copay) along with limited dental and hearing services (also a $50 copay). One free annual routine eye exam is also allowed.

Aetna Medicare Basic Plan – Maximum out-of-pocket expenses of $6,700 with $279 per day hospital co-pay for the first seven days. Office visit copays are $35 and $50. A $50 copay also applies to diagnostic tests, x-rays, and lab services.

$75 copay for emergency room visits and a $300 copay for ambulance services. Most outpatient therapy visits are subject to a $40 copay and  some dental, vision, and hearing benefits are included.

Humana Gold Choice – Available in 33 counties with $6,200 maximum out-of-pocket expenses. $295 per day copay for six days for hospital visits. Office visit copays are $15 and $40, and diagnostic tests/x-rays will cost between $0 and $105, depending on the procedure.

ER copay is $75  with $300 copay for ambulance services. Typically, copay is $45 for basic vision, dental and hearing services. Like most other plans, home health services and hospice are fully covered.

Personal Choice 65 Medical Only – Available in Bucks and Philadelphia counties. $6,200 maximum out-of-pocket expenses with low $900 copay per hospital stay. Office visit copays are $15 and $40. In-network diagnostic tests and lab services are covered at 100%.

Urgent Care copay is generally between $15 and $40 with a $75 copay for ER visit. Dental, vision, and dental services are generally subject to a $40 copay.

Cigna-HealthSpring Advantage – Available in the following counties: Philadelphia, York, Northampton, Montgomery, Lehigh, Lancaster, Delaware, Chester, Berks, Cumberland, and Bucks. Policy offers a $0 deductible with $6,700 maximum out-of-pocket expenses.

The hospital copay is $279 for the first seven days and the office visit cops are $10 and $50. Lab services are covered at 100% and the Urgent care copay is $50.

Drug Plans In Pa At Affordable Rates

Many Pa Medicare Advantage Plans Include Drug Coveragee

 

Pa Advantage Plans With Prescription Drugs

Erickson Advantage Champion – Available in Bucks and Delaware counties. $0 deductible and no out-of-pocket expenses for in-network hospital care. Office visit copays are $0 and $35. ER and Urgent Care copays are $50 and $30 respectively. Tier 1 drugs are covered at 100% along with Tier 2 mail order. Tier 3 drugs (mail order) have a $125 copay (90 days).

Erickson Advantage Freedom – Less expensive than previous plan because of $3,400 maximum out-of-pocket expenses and $200 copay per day (seven days) for in-hospital visits. Office visit copays are also higher ($20 and $50), and drug coverage has slightly higher costs. NOTE: “Guardian” and “Signature With Drugs” plans also available from Erickson.

AARP (UnitedHealthcare) MedicareComplete Choice Plan 1 – Available in Erie, Lehigh, and Northampton counties. Deductibles are $230 and  maximum out-of-pocket expenses are $6,700. In-hospital copay is $345 for the first five days, and office visit copays are $15 and $45. ER and Urgent Care copays are $75 and $40. Tier 1 and Tier 2 drugs have a $0 copay for mail-order. NOTE: AARP Plan 2, and Choice plans also available.

Aetna Medicare Premier – Available in Berks, Carbon, Lancaster, Lebanon, Lehigh, Monroe, Northampton, and Schuylkill counties. $0 deductible with $6,700 maximum out-of-pocket expenses. in-hospital copay is $275 for the first six days. Office visit copays are $5 and $35. A $35 copay also applies to diagnostic tests and procedures, although lab services are covered at 100%. ER copay is $75 and Urgent Care copay will vary. Tier 1 drug 90-day cost sharing copay is only $30, but Tier 2 is $141. Tier 3 is 50%.

Community Blue Medicare HMO Signature – Available in many counties, although rate varies. $0 deductible with $6,700 maximum out-of-pocket costs. In-hospital copays range from $200-$275 for the first 5-7 days. Office visit copays are $0 or $5 and $45. ER and Urgent Care copays are $75 and $50 respectively. Prescription drug copays vary. NOTE: The Community Blue HMO Prestige plan is also offered with much lower in-hospital copay ($100). However, premium is significantly higher.

Highmark Freedom Blue PPO Classic – Available in many counties, including Allegheny, Butler, Jefferson, Somerset, Warren and several others. $0 deductible with $6,700 maximum out-of-pocket expenses. In-hospital expenses of $15 per day for five days. Office visit copays are $5 and $25 while diagnostic tests and lab fees are covered at 100%. Drug standard mail-order cost-sharing copays (90 days) are $7.50, $37.50, and $117.50 for Tier 1, 2, and 3 prescriptions respectively. NOTE: Select, Standard, and ValueRX plans are also offered.

Geisinger Gold Classic Advantage Rx – Available in Central Pennsylvania and some surrounding areas. Six policy options are offered, depending upon where you live. Deductible is $0 with $3,400 maximum out-of-pocket expenses. In-hospital copay is $125 for five days.  Office visit copays are only $5 and $20 while the ER and Urgent Care copays are $75 and $20. Chiropractic visits are also subject to only a $20 copay. Standard 90-day mail order cost-sharing drug copays are $9, $60, and $141 for Tiers 1, 2, and 3.

Geisinger Gold Complete Rx – $0 deductible with $5,900 maximum out-of-pocket expenses. Attractive $o premium although in-hospital expenses are $180 per day for the first nine days. Office visit copays are $5 and $30, while the ER and Urgent care copay are $75 and $30. Drug coverage is similar to prior Geisinger plan above.

Keystone 65 Select RX – Available in Bucks, Philadelphia, Chester, Delaware, and Montgomery Counties. Deductible is $320 with $5,500 maximum out-of-pocket expenses. In-hospital copay is $290 for the first six days while office visit copays are $20 and $45. Diagnostic tests/procedures and lab services are covered at 100%. The ER copay is $75 and the Urgent Care copay varies from $20-$45. Standard 90-day mail order cost-sharing drug copays are $6, $24, and $94.

Highmark Security Blue HMO Standard – $0 deductible and $6,700 maximum out-of-pocket expenses. The in-hospital copay is $325 per stay and office visit copays are $10 and $30. Diagnostic tests/procedures and lab services are covered at 100%. Outpatient x-rays are covered with a $25 copay. The ER and Urgent Care copays are $75 and $50. Standard 90-day mail order cost-sharing drug copays are $7.50, $37.50, and $112.50.

Compare Pa 2016 Medicare Supplement Plans And Rates

Medicare Supplement coverage in Pennsylvania is an affordable option to pay for healthcare expenses that are typically not covered by original Medicare. The Keystone State features many low-cost Senior plans that reduce your out-of-pocket costs and include guaranteed enrollment. The best Pa Medigap policies are also very easy to apply for. Maximum benefits or exclusions may apply to specific plans. Many low-cost options are available to the elderly and disabled. Part D contracts cover drugs and prescriptions.

If you are age 65 or older, our website allows you to easily view and compare the best available plans at the lowest available rates. All quotes are free (see top of page) and are provided without any cost or obligation. Supplement policies are designed to pay your coinsurance, copayments, deductibles, and other expenses that are not typically paid for. Ten available plan options are offered, although prices and availability will vary, depending on your county of residence. Benefits are standardized, although pricing is different.

Parts A (hospitalization)  and B (medical services) coverage are provided by the federal government. Part C is the privately-run Medicare Advantage plan options, which provide benefits for parts A and B, along with other coverage. Part D is your prescription drug coverage. Although Parts A and B deductibles and premiums have increased, many low-cost policies are still offered. NOTE: Once Open Enrollment has ended, although you can still apply for coverage, medical underwriting may be required.

Available Pa Senior Plans

Available plans are standardized in the following forms: A, B, C, D, F, G, K, L, M, and N. A “high-deductible” option is also offered for Plan F. K and L contracts put a maximum cap on your annual out-of-pocket expenses each year. Once you have satisfied the Part B deductible annual limit, 100% of covered benefits are paid. Premiums are based on either community-rated, issue-age rated, or attained-age rated underwriting. Unlike individual private medical coverage, prices tend to remain fairly stable, instead of increasing by 10% or more each year.

Generally, Plans F and G are the most comprehensive options. For example, F contracts cover all nine of the coverage gaps while G plans are similar, except for not providing excess charges above the Part B deductible. Plan C also is considered a “comprehensive” policy. Plan A provides the fewest benefits since only the four major gaps are covered. Plan B is similar to Plan A, although it adds the Part A deductible to its list of benefits.

All carriers that offer Medigap plans in the state, must offer both A and B contracts to be eligible to offer additional policies. NOTE: The majority of Americans do not pay for their Part A benefits. However, if you purchase coverage, the monthly rate is $411. Also, Medicare Advantage Options  are also issued by private carriers, but replace Parts And B as opposed to acting as a supplement. PPO Advantage contracts provide the most flexibility regarding choosing providers. HMO options are more restrictive since you must utilize the designated network, unless emergency treatment is needed.

Illustrated below are the specific plans offered by companies licensed and approved to offer coverage in Pa. UnitedHealthcare plans are issued through AARP. Also, Aetna and Humana are completing a merger that will create a single company.

 

2016 Pennsylvania Medicare Supplement Plans

Aetna – A, B, F, F (High Deductible), G, N.

American Continental  – A,B,F, F (High Deductible), G, N.

American Progressive Life – A,B,C,D, F (High Deductible, G.

American Republic – A,B,F, F (High Deductible), K, L.

American Retirement Life – A,B,F,G,N.

Avalon – A,B,C,F,N.

Bankers Fidelity Life – A,B,F, F (High Deductible), G,K.

Blue Cross of Northeastern Pa – A,B,C,F, F (High Deductible), N.

Capital Blue Cross – A,B,C,F,N.

Central States – A,B,C,D,F,G,N.

Colonial Penn Life – A,B,F,F (High Deductible),G,K,L,M,N.

Companion Life – A,B,F,G.

Equitable – A,B,F,N.

Forethought – A,B,C,G,F,N.

Geisinger – A,B,C,F,F (High Deductible),M,N.

Gerber – A,B,C,D,F,G.

Globe Life & Accident – A,B,C,F (High Deductible).

Government Personnel Mutual – A,B,C,D,F,G,N.

Highmark Blue Cross Blue Shield – A,B,C,F, F (High Deductible), N.

Highmark Blue Shield – A,B,C,F,F (High Deductible), N.

Humana Dental – A,B,F,F (High Deductible),K,N.

Humana – A,B,C,F,F (High Deductible), K,L,N.

Independence Blue Cross – A,B,C,F,F (High Deductible), N.

KSJK Life – A,B,C,D,F,G,M,N.

Liberty National – A,B,C,D,F,G,N.

Loyal American – A,B,C,D,F,G,N.

Manhattan Life – A,B,C,F,G,N.

Medico – A,B,F,F (High Deductible),G,N.

Mutual Of Omaha – A,B,C,D,F,G.

Oxford Life – A,B,C,N.

Philadelphia American Life – A,B,C,F,F (High Deductible),G,N.

Physicians Mutual – A,B,F,F (High Deductible),G.

Sentinel Security – A,B,C,D,F,G,N.

Standard Security Life – A,B,F,G,K,N.

State Farm – A,B,C,F.

Thrivent Financial – A,B,C,D,F, F (High Deductible),G,L,M.

Transamerica – A,B,C,D,F,G,K,L,M,N.

United American – A,B,C,D,F,F (High Deductible),N.

UnitedHealthcare (for AARP) – A,B,F,F (High Deductible),G,K,L,N.

United World Life – A,B,C,D,F,G,M.

UPMC – A,B,F.

 

Missing Plans

Plans E,H,I, and J can no longer be purchased as new coverage. However, if you bought one of these plans (assuming it was issued before June 1, 2010), you are permitted to retain coverage. When the Medicare Modernization Act was passed, these three options were discontinued. The principal reason was that many of the benefits were duplicated on other plans, including comprehensive preventative coverage. The State DOI provides additional information regarding active and inactive plans.

Although you are not required to change from an existing E,H.I. or J plan, it is often beneficial to consider alternative policies since your rate may reduce, while additional benefits are added. However, it is very important to properly compare all differences (including the premium), to determine if an upgraded contract is cost-efficient. If you do choose to terminate one of the previously-mentioned four plans, you can not re-enroll in those options.

 

Sample Rates

Shown below are prices from selected major carriers for a non-smoking 65 year-old male residing in Allegheny County. Many plans are not offered in all Pa Counties, and costs may vary, depending where you live.

$49 – Medico High Deductible Plan F

$80 – Humana High Deductible Plan F

$108 – Manhattan Life Plan N

$112 – Aetna Plan N

$112 – Polish Falcons Of America Plan F

$115 – Medico Plan N

$117 – Cigna Plan N

$119 – CSI Life Plan N

$124 – Equitable Plan N

$130 – Mutual Of Omaha Plan A

$130 – Aetna Plan G

$140 – Cigna Plan A

 

Pricing

Company rates are determined in three distinct ways. Although smoking, type of plan, and where you live, impacts the premium, the following methods of rating can be used:

Attained Age – The cost of the plan is determined by your age at the time you apply. However, as you get older, the premium typically increases. Therefore, your rate at age 65 will be much less expensive than your rate at 85.

Issue Age – Rates are also based on your age at the time you apply for coverage. However, prices never increase, so the longer you keep coverage, the more cost-effective it becomes. However, initially, you pay more than a policy that used attained age rating.

Community Rated – All applicants pay the same premium, regardless of age.

 

Summary

Pennsylvania Medicare Supplement and Medicare Advantage plans are offered through top-rated companies. Shop for personalized coverage that meets your benefit and budget needs. If you are a legal citizen and have been in the United States for at least five years, you are likely eligible for benefits. Plans are issued individually, so, for example, if both you and your spouse enroll, two separate policies will be issued. This does not result in higher premiums.

Senior options can be fully-customized to help reduce out-of-pocket expenses. Free quotes are available at the top of this page. If you have not reached age 65 yet, it’s possible you may be eligible for Medicaid, or a subsidized Marketplace healthcare plan. Each year, there is a new Open Enrollment that guarantees coverage regardless of your medical history.

Additional information is also provided by the various Departments of County Aging. There are eight separate Regions that each have between five and eight offices. For example, Region 1 serves the Philadelphia area with offices in the surrounding five counties. Region 5 services Franklin, Cumberland, Perry, and Adams Counties along with the Huntingdon, Bedford, Fulton, Mifflin, and Juniata areas.

UPDATES:

October 2015 – Open Enrollment began on October 15th and ended on December 7th. 2016 prices and plan details have been published. If you are satisfied with your current plan, unless otherwise notified, you can renew it or shop for alternative coverage.

Pennsylvania Insurance Department Health Rate Filings

Individual and small group health insurance rates in Pennsylvania typically increase each year. The amount of the increase is determined by how much the insurer is requesting, and the amount that is ultimately approved after careful review by the Department (DOI). Any rate change must be fair and appropriate for both the carrier and consumer. Increased market share while retaining profitability and affordability for the consumer is the ultimate goal.

Prior to 2016, the general public could not view requests or findings unless the proposed increase was more than 10%. However, now you can view all results, regardless of the amount of change. And yes, sometimes, Pa health insurance prices reduce. Before a decision is made, several of the most important criteria include underwriting profits and losses, deducible and copay data, coverage changes, administrative fees, and historical and future predicted claim information.

Companies can choose weather to offer Exchange policies in specific states. Many carriers, such as Aetna, Cigna, and UnitedHealthcare, often provide plans is specific states, but also choose to “sit out” may others. Senior coverage, such as Medicare Supplement and Advantage plans, are treated separately.

We have listed below (courtesy of the DOI) the actual requested and approved changes submitted to the State Department of Insurance. These increases and decreases are reflected in 2016 Pa Marketplace plan coverage in the Keystone State.  Although many of the companies listed below, such as Highmark, Aetna, and UPMC write a large volume of business, many others issue a much lower number of policies, including Freedom Life and AmeriHealth.

Company                                   Requested Increase            Granted Increase

First Priority Life                           29.5%                                21.5%

Geisinger Health Plan                   40.6%                                20.0%

Geisinger Quality Options             58.4%                                20.0%

Highmark Individual                       25.5%                                20.1%

Highmark Small Group                  15.5%                                 9.9%

Highmark Benefits Group               13.5%                                9.9%

HM Health                                    35.9%                                26.2%

Keystone Health Plan West           36.6%                                26.7%

Aetna Individual                              5.6%                                 5.6%

Aetna Small Group                         6.1%                                 5.2%

AmeriHealth                                   6.77%                               6.88%

Capital Advantage Group                -2.4%                                -2.4%

Capital Advantage Ind.                    2.3%                                 1.6%

First Priority Life                             9.5%                                 9.5%

Freedom Life                                  9.9%                                 0.0%

Geisinger Small Group                    7.2%                                 7.2%

Geisinger Quality Options               9.88%                                9.88%

Health Assurance                           3.7%                                  1.9%

Highmark Advantage Group              9.7%                                 9.7%

HM Health                                      9.1%                                 9.1%

Inter-County Hospitalization             1.75%                               1.75%

Keystone Health Plan Central          -2.00%                              -2.00%

Keystone Health Plan East              2.8%                                 1.9%

Keystone Health Plan West             9.4%                                 9.4%

UnitedHealthcare Life                       9.1%                                3.5%

UPMC                                            0.0%                                0.0%