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 features lower costs than typical health insurance coverage, allowing you to pay for existing medical expenses and save for future approved health expenses on a tax-free basis. You need to 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. Many consumers utilize this as their principal coverage without the HSA. This is allowed and of course, you can add the side account at any time.

HealthAmerica  Health Savings Accounts combine the HDHP and savings account into one simple 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).

With this type of policy, it is not unusual to save hundreds (or thousands) of dollars when compared to the cost of a comparable copay type of plan. Over time, you are likely to save a substantial amount of money. However, there is always a short-term risk if in the early years of the contract, you have much higher than expected medical expenses.

Additional coverages provided by the plan 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).

Prescription benefits are also included once the deductible has been met. The $5 copay on generic prescriptions is one of the lowest in the industry. Other copays are $30 for band name ad $55 for non-formulary. There is no maximum cap for prescription benefits which is a very important feature to have.

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 mouth 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. This feature is actually a nice add-on to the plan. Pennsylvania’s premier resource for affordable Health Savings Accounts.

HealthAmerica is not the best choice for all situations. We’ll carefully review your  information and determine which plan and company is the best option. With 30 years of unbiased experience, we’re confident we’ll find you the best plan at the most affordable cost.

You can view and compare quotes by starting the process at the top of the page. A short brochure below is provided for the $2,500 deductible option. And if you prefer not to apply online, an application is provided that can be faxed to us at (888) 513 6446.

Brochure

Application

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