Low cost student health insurance in Pennsylvania is very easy to purchase. We help you find quality plans through all of the major insurers such as Aetna, UnitedHealthCare, HealthAmerica, Highmark BC-BS and many other providers. Sometimes, University policies don’t provide the comprehensive benefits that you want. We’ll show you flexible policies that keep rates affordable but also give you top-notch coverage that you can use almost everywhere.
Any Pennsylvania student rates you view on this website have our “best price” approval. You can apply for these plans either online or by going direct. If you’re a recent graduate from a Pa school, you can also purchase inexpensive coverage, or if you are away from home, there are many options for you. If you are taking part-time hours, you still are eligible. If you are planning on studying abroad, there are specialty plans that will be much better-suited for the type of international needs you will have.
Most Pennsylvania colleges and universities (Penn State, Pitt, Temple, Duquesne, Penn, Slippery Rock, Villanova, Lehigh etc…) require their students to have comprehensive health insurance, either through a parent’s plan, their own university policy or an individual plan. If you are not eligible for affordable coverage under a parent’s private or employer-sponsored benefit, then buying your own policy from one of the major companies should be considered.
Or, if your school plan is too expensive, you may be able to save money when you buy a private policy. If you are attending a college in another state, it’s important to understand that some plans may limit where you receive treatment (such as an HMO). A PPO (Preferred Provider Organization) is much more likely to allow you to seek treatment away from campus.
Having a large choice of Network medical facilities, physicians and specialists is extremely important, especially if you attend an out-of-state school. Student health plans purchased through a university could limit the type of care you receive and where you can go to receive the treatment. This may become very evident if chronic conditions require regular specialist visits. Even if the condition is temporary, the cost could be overwhelming without the most appropriate policy.
We’ll help you find the options that provide the coverage you are required to have. Whether you attend a specific school, or you’re a undergraduate or graduate student, we’re experienced in making the selection and application process easy. Interpreting the requirements that your school requires can be very confusing and tedious. We compare these types of requirements each day, so we can easily and quickly determine your best course of action.
Your own individual plan will include off-site doctors, hospitals and other specialists, if needed. Even if Network specialized medical care is located hundreds of miles from school, you will have access to that treatment. Almost all of the large Pennsylvania health insurers feature large Networks including the best specialists in the state. When we review your options, we’ll make certain that there are a wide selection of providers.
Most companies allow you to be billed monthly, instead of paying an entire semester of premiums at once. And you can keep coverage after you graduate and also if you never finish. Since you own the plan, you determine if/when you want to renew it.
For example, a healthy 19-year old male in the Philadelphia area can buy comprehensive coverage for between $81 and $90 per month (Aetna’s PPO 2500 and UnitedHealthCare’s Copy Select plans). Most covered office visits and prescriptions are subject to low copays and both carriers feature nationwide Networks. By increasing the major medical deductible on both plans, the monthly rates would reduce to approximately $52-$55 per month.
Keystone also offers HMO coverage in the Philadelphia area, which would result in lower out-of-pocket expenses, but higher premiums. You can easily view their rates on our website. They are very popular with families that live in Montgomery and surrounding counties.
If you’re working part-time, there is a possibility that you may be eligible for group benefits. However, typically, the most economical employer-based coverage is reserved for full-time employees. Thus, your group rate may be quite high compared to other private options. There also may be a specific “open enrollment” period, and if you miss that, you’ll have to wait another year.
We prefer private options because you can also customize a policy to match the benefits that you feel are the most important. Thus, if you need maternity or tuition protection for a medical condition withdraw, there are specific carriers that will specialize in those needs. There are many occasions, when schooling may be interrupted because of a sickness or illness. That’s when you need your own coverage the most.
Impact Of Legislation
There is now a student “Bill Of Rights” which can be found by clicking on this link. It’s a final ruling that is a part of “The Affordable Care Act.” It’s very long and wordy so we’ll quickly summarize it. Annual limits may not be less than $100,000 on essential health benefits. Also, the “MLR” (Medical Loss ratio) does apply although plans will be considered separately instead of state by state. Of course, the much longer version can be found through the link.
Your free quote only takes a few minutes (see top of page). It allows you to easily see the rates from the best companies. You can also call us at (888) 513 6446. We’ll help you choose the best plan, and explain the easiest way to apply for coverage. If your school or University needs written confirmation, we’ll be happy to provide it.Tags: cheap Pa student health insurance, Pennsylvania student health insurance, student health plans in pa