Assurant Pennsylvania health insurance plans are provided through Assurant’s parent company, Time Insurance. And although Time is a reliable and established company, I only occasionally recommend Assurant Pennsylvania health insurance coverage.  

An important consideration is Assurant’s Pennsylvania rates. In many parts of the state, their rates are quite high. For example, Assurant’s monthly rate for comprehensive coverage (husband/wife ages 45 with two children) is $751, compared to United HealthCare’s rate of $546 and Aetna’s rate of $606. Assurant’s “MaxPlan” was compared to similar policies from other companies.

Assurant’s Pennsylvania’s HSA insurance rates are also quite high. The monthly rate for a $5700 family deductible is $452. HealthAmerica’s rate for a $5000 deductible is only $368 and United HealthCare’s rate for a $5500 family deductible is only $365. Plan coverages were fairly similar.

Assurant also offers additional health insurance plans at reduced rates, including the “RightStart” and “CoreMed” plans. But coverages are greatly diminished and similar plans are also available from most of Pennsylvania’s other health companies.

An additional concern is Assurant’s (Time) “complaint ratio” with various Departments of Insurance. Ratios in some states are quite high compared to other major health insurance companies. In neighboring Oho, Assurant has experienced very high complaint ratios in recent years.

While considering Pennsylvania health plans, I always research all of the major companies. But in most situations, Assurant’s rates and coverages are not as competitive as other Pa carriers. When/if this changes, I will include Assurant’s most affordable options in my recommendations.

To instantly view, compare and apply for high quality Pennsylvania health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your information is never sold or given to any other company or person. And your rate is guaranteed to be the lowest allowed by the state.

Affordable Pennsylvania health insurance plans are offered by most of Pennsylvania’s major health companies. Aetna, United HealthCare, HealthAmerica and Blue Cross are some of the larger carriers that provide high quality coverage at an affordable rate.

Individual health insurance plans often cost much less than an employer-sponsored plan. Some of the reasons include: more selective underwriting, lack of maternity coverage (without a rider) and less medical risk with a single family. Also, Pennsylvania health care generally is less expensive than health care in many neighboring states such as New Jersey and New York.

Pennsylvania health insurance plans also offer a wide variety of coverage options. Unlike some group options, you can easily obtain catastrophic, comprehensive or HSA coverages. In some counties, certain companies will have substantially lower premiums, so it’s important to use an experienced broker to help you find the best plan.

PaHealthinsurancecoverage.com is the premier resource for family and individual Pennsylvania health insurance plans. Instantly, you can view, compare, and if you wish, apply online for the most affordable high quality plans in the state. And since premiums are regulated by the Pennsylvania Department of Insurance, you will not find a lower rate anywhere!

Please click on the “Get Instant Quote” button at the top of the page to view your health insurance rates.

Pennsylvania health care reform gained momentum as Governor Ed Rendell took action on four health care reforms in the state. Three of the four bills were part of his “Prescription For Pennsylvania” series of reforms.

Highlights of some of the changes include expanding Cobra health benefits to small Pennsylvania health businesses and allowing uninsured single adult children (up to age 30) to be covered by their parents’ Pennsylvania health insurance plan.

For complete details of all of the health care changes, please click here.

To instantly view, compare, and apply for high quality Pennsylvania health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Pahealthinsurancecoverage.com is the premier resource for Pennsylvania health insurance.

United HealthCare (UHC), one of the nation’s largest health insurers, offers many affordable health insurance plans to Pennsylvania residents. Comprehensive plans, catastrophic plans and Pennsylvania Health Savings Accounts (HSAs) are available in most areas of the state. Purchasing a plan is easy. Deciding which plan to buy requires some assistance.

Pa Catastrophic Plans

The “Saver 80” plan is UHC’s catastrophic plan. Monthly premiums are lower than most Pennsylvania health insurance plans. A generous $3 million lifetime maximum provides coverage for major medical claims. The policy is ideal for those persons interested in covering only catastrophic claims.

Pa Comprehensive Plans

The “Copay Select” and “Copay Saver” plans are UHC’s most comprehensive plans. Both plans include catastrophic and preventative coverages. The “Copay Select” plan offers unlimited office visit coverage with comprehensive prescription coverage. The “Copay Saver” plan, costs less, since only two office visits and generic prescriptions are covered.

Pa Health Savings Accounts (HSAs)

The “HSA 100” plan is UHC’s most comprehensive Health Savings Account. After one (not two or more!) family deductible, covered expenses are paid at 100%. Preventative coverage is not subject to the deductible. Rates are generally quite competitive, especially in Western Pennsylvania.

United HealthCare Pennsylvania health insurance plans will not always be your best option. But, as the premier resource for health insurance, we’ll always recommend the best plan that fits your particular situation.

To instantly view, compare and apply for high quality health care, please click on the “Get Instant Quote” button at the top of the page, or call us at (888) 513-6446.