The HealthAmerica Pennsylvania Health Savings Account (HSA) is one of the most affordable HSAs available in the state. Rates are extremely competitive compared to other Pennsylvania HSA plans offered by Aetna, UnitedHealthOne and Blue Cross.

A Pennsylvania Health Savings Account is an alternative to traditional health insurance coverage, allowing you to pay for current medical expenses and save for future qualified health expenses on a tax-free basis. You also must have a High Deductible Health Plan (HDHP) to take advantage of HSA benefits. The HDHP is very inexpensive allowing the money you save on health insurance premiums to be deposited into your personal account.

HealthAmerica  Health Savings Accounts combine the HDHP and savings account in one convenient policy. Many deductible options are available, ranging from $1,250 to $7,500. After the deductible is met, 100% of major medical expenses are covered, including Semi-private room charges, physician and surgeon fees, surgery, Lab & X-Ray services, anesthesia and therapy services (Chemotherapy & Radiation Therapy).

Additional coverages provided by the HealthAmerica Pennsylvania HSA include outpatient surgery, lab services, allergy testings and injections and blood products. Primary care and Specialist visits are also covered with $15 & $25 copays respectively. However, preventive services are not subject to a deductible. Some of these services include gynecological exams, routine mammograms, well child visits up to age nine, preventive pediatric and adult immunizations and hearing exams (under age 18).

HealthAmerica’s Health Savings Account also includes dental benefits that are not subject to a deductible. Coverage is focused on prevention with little or no cost for oral evaluation and basic diagnostics. Annual periodic evaluations, bitewing X-rays and adult/child cleanings are covered at 100%. There is no waiting period and the annual maximum is $250.

Pahealthinsurancecoverage.com is Pennsylvania’s premier resource for affordable Health Savings Accounts. To instantly view, compare or apply for quality health care from HealthAmerica or other major insurers, please click on the “Get Instant Quote” at the top of the page. Your personal information is never shared with any other person or company.

HealthAmerica Pennsylvania Health Savings Account Information

Health Savings Account Information

Keystone Health Plan East HMO health insurance coverage is offered by Independence Blue Cross and available through Pahealthinsurancecoverage.com, Pennsylvania’s leading resource for affordable health care. Keystone Health Plan East offers comprehensive medical benefits through a selected Network of doctors and hospitals. By calling (888) 513 6446 you can obtain free information and instant quotes.

There are six different individual Keystone HMO plans, including three copay and three deductible plans. The HMO deductible plans feature premiums as low as $76 per month since there is a deductible to meet for major medical claims. The HMO Copay plans offer premiums as low as $111 per month and there is no deductible to meet for major medical claims.

All six plans include preventive benefits that are 100% covered without having to meet any deductibles. Some of the specific Keystone Health Plan East HMO preventive coverages are mammograms, pediatric immunizations, nutrition counseling and outpatient lab/pathology. Birth control pills, annual OB/GYN exams and coverage for routine eye exams and eyeglasses or contacts are also included. Dental benefits are optional.

Additional Keystone health plan coverages include doctor’s office visits, hospital care, newborn and maternity care, emergency coverage, outpatient services, prescription drugs and skilled nursing facility care. Some of these services may be subject to a deductible or copy. You can also view our Pennsylvania Keystone Benefit Summary.

The “Healthy Lifestyles” program provides a 35% discount on selected alternative health services such as massage therapy and acupuncture. This program includes reimbursements, incentives and support to assist you in leading a healthier life. Up to $150 of your fitness center fees are eligible for reimbursement.

Pennsylvania Keystone Health Plan East HMO policies are medically underwritten, so it is possible that some applications may not be approved based on medical conditions. Rates and approval are based on health status. Pre-existing conditions, illness or injury for which medical advice or treatment was recommended or received within the 90-day period prior to the proposed effective date are excluded for the first 12 months.

If you would like to instantly view, compare or apply for coverage, please call us at (888) 513 6446 or click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.

Helpful Links:

Keystone Health Plan East HMO Provider Network

Keystone Health Plan East HMO Benefit Summary

Pa Health insurance quotes are available from many Pennsylvania websites. But it is extremely important that your Pa health insurance is accurate, the lowest allowable by the state, and includes the best plans offered by the major Pennsylvania insurers. Comprehensive plans, catastrophic plans, short-term plans and Health Savings Accounts (HSAs) are all available to you here.

Pahealthinsurancecoverage.com is Pennsylvania’s premier resource for providing the lowest allowable Pa health insurance quotes. The state’s best companies are represented, including Aetna, UnitedHealthOne, HealthAmerica, Highmark Blue Cross, Independence Blue Cross and Blue Cross of Northeastern Pennsylvania. Health insurance quotes are presented in less than three minutes, allowing the consumer to easily compare different plan choices, either online or by phone.

Health insurance companies in Pennsylvania offer hundreds of different plan options, and it is critical for an experienced broker to study all of the available quotes, and present the best choices to the consumer. We believe it is important to provide Pa health insurance quotes from all available companies, but equally important to understand your specific needs and make a recommendation based on your specific situation. Finding affordable individual or family Pa health insurance plans that provide coverage you can use is our ultimate goal.

Our unique state-of-the-art software allows you to instantly view hundreds of plans from Pennsylvania health providers. You can easily compare coverages and rates. And if necessary you can apply online for coverage to take effect the next day (Some Pa health insurance companies may require effective dates of the 1^st or 15^th). You will never see any “discount plans” shown and all of the Pa companies we represent must meet our rigorous standards.

Whether you are self employed, without health insurance or just shopping for a lower rate, affordable Pennsylvania health insurance quotes are just a click away. To instantly view, compare or apply for coverage, simply click on the “Get Instant Quote” button at the top of the page. Your information will never be shared with any other person or company. And don’t worry…you don’t have to provide your phone number to receive the free quotes!

Pennsylvania health insurance reform is coming. But if House Speaker Nancy Pelosi has her way, you can expect to see your Pennsylvania individual and family health insurance rates rise faster than you ever imagined. However, there are some alternative solutions that will cost less, expand coverage and improve health care quality.

Five health care reform ideas that should be implemented (courtesy of Douglas Holtz-Eakin and Paul Howard) are:

1.     Eliminate the tax exclusion for health care and replace it with a tax deduction or tax credit. Typical savings could be used to reduce the cost of individual health insurance policies.

2.     Increase and expand funding to high-risk pools so that major pre-existing conditions would be better covered.

3.     Let health insurance companies sell insurance across state lines. If Pennsylvania consumers do not want or need expensive “Cadillac” health plans with features they will never use, why force them to buy these plans?

4.     Eliminate waste, abuse and fraud in the Medicare and Medicaid programs. Fraud schemes cheat taxpayers out of billions of dollars each year, including many in Pennsylvania. Let’s tackle this problem first before revamping the entire health care system.

5.     Enact tort reform that will end lawsuit abuse. This change would reduce the federal budget deficits by approximately $54 billion over the next 10 years.

As the owner and founder of Pahealthinsurancecoverage.com, Pennsylvania’s leading resource for affordable health care, I sincerely support health care reform. But let’s do it the right way.

You may view the Holtz-Eakin/Howard article here. If you would like to instantly view, compare or apply for high-quality Pennsylvania health care, please click on the “Get Instant Quote” button at the top of the page. Your personal information will never be shared with any other party.

Pennsylvania health insurance rates have been slowly increasing. Perhaps your rate is a bit higher than you can afford. Health insurance can be more affordable than you think. Sometimes, a few minor changes can substantially reduce your Pennsylvania rates. Hopefully these five tips will help!

·        Consider raising your major medical deductible. With many Pennsylvania health insurance plans, the deductible does not apply to covered office visits and prescriptions. So by raising your deductible, depending on the number of family members covered, you could easily save hundreds…or even thousands of dollars per year. A $2,500 or $5,000 deductible are options to strongly consider.

·         Work with an experienced broker with at least 20 years of experience. That   broker should be specializing in Pennsylvania health care coverage as opposed to an agency located on the other side of the country. The premier resource for researching and quoting affordable Pennsylvania health care is Pahealthinsurancecoverage.com. If you have kept the same policy for more than three years, and your health has not changed, comparing health insurance rates is advisable.

·        Consider a Pennsylvania Health Savings Account (HSA). An HSA is an alternative to traditional health insurance that allows you to pay for current medical, dental and vision expenses and save for future qualified expenses on a tax-free basis. A High Deductible Health Plan (HDHP) is also required. If you have relatively few medical expenses, it may provide a great opportunity to reduce your current premiums.

·         Eliminate unneeded coverages. If you are paying extra for maternity coverage or other riders that you don’t use…delete them from your policy. The savings could be more than you realize. Many Pennsylvania health insurance plans have not been reviewed for years, and significant savings might result from “tweaking” your policy coverages.

·        Use your preventative coverage! Most Pennsylvania health insurance plans provide preventative coverage that is not subject to a deductible. Routine physicals, OB/GYN exams, Pap tests and mammograms are often included in comprehensive policies.