Most Pennsylvania colleges and universities (Penn State, Pitt, Temple, Duquesne, Penn, Villanova, Lehigh etc…) require their students to have comprehensive health insurance, either through a parent’s plan, their own university plan or an individual plan. If you are not eligible for affordable coverage under a parent’s plan, them an individual plan from one of the major carriers should be considered.
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. We’ll help you find a low cost individual Pennsylvania student health insurance plan that provides the coverage you need and at a price you can afford.

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. And most companies allow you to be billed monthly, instead of paying an entire semester of premiums at once.

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.

To instantly view low cost Pennsylvania student health insurance, please click on the “Get Instant Quote” button at the top of the page. You can view, compare or apply for quality coverage from the top Pa health carriers. You can also talk to us live by calling (888) 513 6446.

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1. How To Find Low Cost Health Insurance In Pa.

Instantly, you can research and find the most affordable individual health insurance plans in Pennsylvania. Policies for students, individuals, families, the self employed, the uninsured or anyone on Cobra are available. Pahealthinsurance.com is the premier trusted resource for individual and family Pennsylvania health insurance plans. Whether you live in Pittsburgh, Philadelphia, Harrisburg, Allentown or any other part of the state, you can instantly view, compare or apply online for individual coverage by clicking on the “Get Instant Quote” button at the top of the page. We research hundreds of available policies and attempt to condense your choices to make it easier to find the policy that meets your budget and offers the coverage you desire.

The latest state-of-the-art software allows you to quickly choose the type of coverage you need and select when you want the policy to be effective. After a few minutes, you can review the specifics of the best available plans and apply online. Physicals are typically not required and the process usually takes less than two weeks. But just as importantly, you can speak to the same person (live) as often as you like to assist you in the comparison and application process.

Individual Pennsylvania short-term health insurance plans are the most affordable type of coverage. Premiums are substantially lower than comprehensive PPO or HMO policies and policies are typically approved within two days. Short-term plans are most appropriate for graduating students, the unemployed, the uninsured, persons on Cobra or persons waiting to become eligible for Medicare. Policies can be purchased for a month or as long as a year.

Individual Health Savings Accounts (HSAs) are growing in popularity in Pennsylvania. This type of coverage features substantial premium savings, tax-savings, preventive benefits that are covered with little or no out-of-pocket expense and possible 0% coinsurance after the deductible. An HSA works with a “high deductible” health insurance policy and all of your contributions into the HSA are tax-deductible. These contributions can be used to pay qualified medical dental and vision expenses.

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1. Pennsylvania Individual Health Insurance Plans

In most parts of the state, Aetna will offer the best maternity option. The “HMO 20” and “HMO 30” plans offer comprehensive maternity coverage to Pa residents, including newborn services. There is no deductible to meet and the daily copay is $450 per day and $550 per day respectively. Aetna also offers three additional plans that include maternity services (HMO 1500, HMO 2500 & HMO 5000). Each of these three plans cost less than the “HMO 20” and “HMO 30” plans but requires the deductible to be met before any maternity benefits are paid. And once the deductible is met, a 30% coinsurance must be paid.

When an Aetna HMO plan is used, you must select a Pennsylvania Participating Primary Care Physician (PCP) and use services within the Pennsylvania service area. Two exceptions would be an emergency or urgent situation. A full list of benefits and exclusions can be provided.

Pa health insurance with maternity is also offered by UnitedHealthCare. A “Maternity Benefit” rider can be added to many of their Pennsylvania plans including the popular “Copay Select,” “Copay Saver,” and “Saver 80” plans. The “Saver 80” plan will feature lower premiums since it is a catastrophic policy. The “Copay” plans will be more expensive since they include office visits, prescription coverages and many preventive benefits

The UnitedHealthCare optional maternity benefit covers some of the cost of routine pregnancy and delivery for the primary insured and spouse. 80% of covered maternity expenses are covered and after four years, the maximum covered expense reaches $7,500. In benefit years one and two, the maximum covered expense is $2,500 but reaches $5,000 in years four and five. UnitedHealthCare will not provide coverage for expenses related to a pregnancy beginning before that maternity benefit’s effective date.

Another option is to purchase a Pa Health Savings Account, which is available from most major insurers. Deposits into a Health Savings Account reduce your taxable income as long as these funds are used on qualified medical expenses (as defined by the IRS). You can deposit funds into your Health Savings Account than can be later used to pre-fund expected routine maternity expenses. Funds would be considered pre-tax and could potentially save thousands of dollars in expenses. Also, you may be eligible for a “negotiated network discount” on your maternity expenses if you have qualified health care.

For additional information on Pa health insurance with maternity coverage, please call us at (888) 513 6446 or click on the “Get Instant Quote” button at the top of the page. Instantly, you’ll be able to view, compare or apply online for the best Pa health insurance plans. Your personal information will never be shared with any other person or company.

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1. Pennsylvania Keystone Health Plan East HMO

We help individuals, families, the self-employed and the uninsured find low cost health insurance at an extremely affordable rate. The rates you view at Pahealthinsurancecoverage.com are guaranteed to be the lowest allowable by the state and there are never any fees or charges for our service. Pa health care rates have increased the last 10 years, but there are still many plans that will fit within your budget. National health care reform has begun and we feel it is important to ensure you are taking advantage of any change that could possibly reduce what you pay for your Pa health care.

Instantly, you can easily and quickly compare, review and apply online for low cost Pa health insurance coverage. Many of the plans include comprehensive benefits such as office visits, prescriptions, preventive coverages and Urgent-Care copays. Typically, these low cost pans will also offer standard major medical benefits such as coverages for inpatient and outpatient hospital expenses, X-ray and lab fees, radiation and chemotherapy, and surgeon, assistant surgeon and facility fees. Many of the plans will also include coverages found in more expensive plans such as preventive benefits, office visit copays, prescription benefits and high lifetime maximum benefits.

Some of the most popular low cost health insurance plans in Pennsylvania are:

Aetna Preventive & Hospital Care 3000 plan

Aetna PPO 5000 plan

Aetna PPO Value 2500 plan

Assurant HealthSaver Limited Benefit plan

HealthAmerica HealthGear 5000 plan

HealthAmerica HealthGear 2500 plan

Highmark PPOBlue

UnitedHealthCare Saver 80 plan

UnitedHealthCare Copay Saver plan

If you would like to view your options, simply click on the “Get Instant Quote” button at the top of the page. We’ll be happy to help you pick out a plan that provides the right coverage for you at an affordable cost.

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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

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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

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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!

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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.

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·        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.

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Pennsylvania BlueCare Direct Select health insurance plans are available

through Pennsylvania’s premier resource for health insurance plans,

Pahealthinsurancecoverage.com. Instantly, Pennsylvania residents can view, compare and apply for high quality health coverage.

BluCare Direct Select is a comprehensive Pennsylvania health plan that

offers 100% coverage for common preventative care services, such as

childhood immunizations, routine gynecological exams and preventive exams. Other included preventive care services are screening mammograms, colorectal cancer screenings, prostrate screenings and bone density screenings.

Routine office visits are also not subject to a deductible. A $30 copay

applies to primary care visits and a $50 copay applies to specialty care

visits. Unlike BlueCare Direct, Pennsylvania BlueCare Direct  Select plans

do not have a limitation on the number of covered office visits per year.

Prescription drug coverage is included, with copays ranging from $0 to $65. Most prescriptions will be covered with a copay of $35 or less. If a 90-day mail order method is used, out-of-pocket expenses will reduce. And unlike most plans, there is no deductible to meet for the RX coverage.

Pennsylvania BlueCare Direct Select plans also offer $0 deductible options

for the major medical coverage. Additional deductible options range from

$500 to $1,500. For example, the monthly rate for a 34 year-old male would be $149 with no deductible and $119 with a $1,500 deductible.

For additional information regarding plan details, comparing plans or

applying for coverage, please call us at (888) 513 6446 or email

eharris@pahealthinsurancecoverage.com. And of course, our website,

pahealthinsurancecoverage.com will give you additional information.

View Pa BlueCare Direct Select benefits here

View Pa BlueCare Direct Select application here

Applications should be faxed to (937) 859-4780 Attn: E. Harris

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