Highmark HSA Plans In Western Pennsylvania

Highmark Blue Cross Blue Shield HSA plans in Western Pennsylvania are extremely affordable and popular. PPOBlue is Highmark’s comprehensive major-medical high deductible plan that is HSA-eligible. This plan is available to individuals and families and you do not have to be self-employed to qualify for coverage. Highmark’s HSA rates in Western Pennsylvania are typically among the lowest among the major carriers. There are several attractive options and plan designs that will reduce your out of pocket medical expenses and taxes.

Here at Pahealthinsurancecoverage.com, we help you find affordable Health Savings Accounts in Pa. The rates we publish are the lowest offered by each carrier and there are never any fees for our service. We feel it is important to find the health insurance policy that best matches your budget concerns, but that also provides the benefits that you require. And if you wish, we will take the time to review all of the Highmark options with you since often a high-deductible plan may not be the best choice.

The Highmark PPOBlue HSA offers three deductible options. They are $1,200, $2,600 and $3,500 for individuals and $2,400, $5,200 and $7,000 for families. Once the deductible has been met, benefits are payable at 90%. Once the designated coinsurance has been met, covered benefits are paid at 100%. Preventive services, such as routine physicals, mammograms, gynecological exams, pap tests and adult or pediatric immunizations are not subject to a deductible, copay or coinsurance and are covered immediately. Also, as a result of national health care reform, the lifetime cap has been removed. If in the past, you have not utilized health care benefits very often, a higher deductible might be the best fit.

Some of the additional benefits provided by the PPOBlue plan are occupational and speech therapy, spinal manipulations, and discounts on health related services such as fitness centers and spas, nutritional counseling and personal trainers. Within the next 18 months, additional benefits may be added when the State Exchange starts to operate.

Highmark Blue Cross Blue Shield negotiates lower member rates with doctors, hospitals and other facilities. So when you utilize network facilities, you’ll pay the lower negotiated rate for services and possibly prescriptions. Some of these discounts can be substantial, especially lab tests and x-rays. Highmark’s HSA provider network is one of the largest in Western Pennsylvania and we’ll be happy to find participating providers for you. There’s a high probability that there are many available physicians within a few miles of where you live or work.

An HSA is a low cost policy that favorably compares to a traditional comprehensive health insurance policy. Although it is classified as a savings product, you are able to pay for current and future health care, dental and vision expenses on a tax-free basis. You also have complete control of the money in your account including the type of investments. Since it’s your money, you can deposit or withdraw funds at any time. In fact, you don’t have to make any deposits at all.

The HSA works with a “High Deductible Health Plan” (HDHP), and the combination of both accounts can provide substantial savings in premium dollars and taxes over many years. The deductible, which is the amount you pay out of pocket before benefits begin, is usually fairly high. Therefore, establishing the HSA account will save you money.

For additional information on the Highmark Blue Cross Blue Shield HSA plan, please feel free to call us at (888) 513 6446 or email eharris@pahealthinsurancecoverage.com. We’ll be happy to provide additional specific details regarding the plan, rates and how you apply. You can download the application and fax to (888) 513 6446.

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Benefit Summary listed below for $2,600 Individual/$5,200 Family HSA:

Services	PPOBlue, An Individual Comprehensive Major Medical Preferred-Provider High-Deductible Health Plan; $2,600 Individual/$5,200 Family Deductible; Medically Underwritten
	Network	Out-of-Network
Benefit Period	Contract Year	Contract Year
Type of Coverage	Medically Underwritten	Medically Underwritten
Deductible – Individual	$2,600 Includes out-of-network benefits	Choice of network deductible applies to out-of-network benefits
Deductible – Family	$5,200 Includes out-of-network benefits Family deductible must be met in full before benefits are payable	Choice of network deductible applies to out-of-network benefits
Out of Pocket Limit (does not include deductible) – Individual	$1,200	$2,400
Out of Pocket Limit (does not include deductible) – Family	$2,400	$4,800
Coinsurance (only applied after any applicable deductibles have been met)	90%	70%
Lifetime Policy Maximum	Unlimited	Unlimited
Benefit Period Maximum	Unlimited	Unlimited
Hospital Facility Expense – Inpatient (includes Maternity)	90%	70% Limited to 90 days/benefit period
Emergency Room Care	90%	90%
Office/Home Visits	90%	70%
Medical/Surgical Expenses (except office visits)	90%	70%
Preventive Care	Deductible does not apply, 100% for: Adult Care Adult Immunizations Mammogram Pediatric Care Pediatric Immunizations	Not Covered Except for Pediatric Care, deductible does not apply, 70%
Diagnostic Services ( X-ray, lab, other tests)	90%	70%
Physical Medicine	90% 15 visits per contract year	70% Included as part of network visits
Occupational and Speech Therapy	90% Combined 15 visits per contract year	70% Included as part of network visits
Spinal Manipulations	90% 10 visits per contract year	70% Included as part of network visits
Mental Health Services	Not Covered	Not Covered
Substance Abuse – Rehabilitation	Not Covered	Not Covered
Substance Abuse – Detoxification	Not Covered	Not Covered
Prescription Drug	90%	Not Covered
Prescription Drug Preventive Medications Certain limited prescription and over-the-counter drugs prescribed for preventative purposes.	Deductible does not apply, 100%	Not Covered
Discounts on Health-Related Services Fitness Centers & Spas Massage Therapy Nutritional Counseling Personal Trainers	Covered	Covered
Blues On Call -Health Information and Support Toll-Free Hotline	Covered	Covered
Vision*	Not Covered	Not Covered