Keystone Health Plan East HMO health insurance coverage is offered by Independence Blue Cross and available through Pahealthinsurancecoverage.com, Pennsylvania’s respected resource for affordable health care. Keystone Health Plan East offers comprehensive medical benefits through a selected Network of doctors and hospitals. By calling (888) 513 6446 you can obtain free information and instant quotes. We will advise you which plan provides the coverage that is most important to you and at the lowest possible premium. Both catastrophic and comprehensive options are available.
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. Rates will vary, depending on your age and existing medical conditions. To keep premiums affordable, you can consider a higher deductible on the catastrophic portion of your policy.
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. You do not pay any out of pocket costs for preventive expenses that are “qualified.” There is also no waiting period to utilize the benefits.
Additional Keystone health plan coverages include doctor’s office visits, hospital care, newborn and maternity care, emergency coverage, outpatient services, prescription medications and skilled nursing facility care. Some of these benefits may be subject to a deductible or copay. You can also view our Pennsylvania Keystone Benefit Summary. We’ll be happy to review any portion of the coverages with you. If maternity coverage is not needed, a PPO plan will save you money.
The “Healthy Lifestyles” program provides a 35% discount on selected alternative health services such as massage therapy and acupuncture. This program includes reimbursements and incentives that can help to assist you in leading a healthier life. Up to $150 of your fitness center fees are eligible for reimbursement. And you can use this feature every year.
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 where medical advice or treatment was recommended or received within the 90-day period prior to the requested effective date are excluded for the first 12 months. However, if a policy is approved, a pre-existing condition clause (if applicable) would not impact other unrelated treatment.
If you would like to view, compare or apply for coverage, please call us at (888) 513 6446 or start the free quote process at the top of the page. We’ll help make the comparison and application process as simple as possible. And of course…you never pay any fees.
Helpful Links:
Keystone Health Plan East HMO Provider Network
Keystone Health Plan East HMO Benefit Summary
Keystone Application For Coverage (The completed application can be faxed to (888) 513 6446. If you would like to send it in the mail, please call us at (888) 513 6446 and we’ll provide the correct address.
Pa health insurance quotes are available from many websites. But we feel it is extremely important that your health insurance quote is accurate, the lowest allowable by the providers, and includes the best plans offered by the major Pennsylvania insurers. Comprehensive plans, hospital expense plans, short-term plans and Health Savings Accounts (HSAs) are all available to you on our website. It doesn’t matter if you have coverage or are uninsured. We’ll make it easy for you to compare and find low-cost plans.
Pahealthinsurancecoverage.com is the state’s respected source for providing the lowest allowable quotes. The state’s best companies are represented, including Aetna, UnitedHealthOne, HealthAmerica, Highmark Blue Cross, Capital Blue Cross, Independence Blue Cross, Geisinger 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 unique situation. Finding affordable individual or family coverage that provides benefits you can use, is our ultimate goal.
Our unique state-of-the-art software allows you to easily 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 1st or 15th). You will never see any “limited plans” shown and all of the companies we represent must meet our rigorous standards. Instant quotes can also be provided.
There may be situations where we simply can not help. For example, if you are currently being treated for cancer, diabetes or heart disease, there may not be a simple affordable solution for you. However, we will work with you to find the best resource that can help, and hopefully offer you a policy that is acceptable. In many cases, a “guaranteed issue” policy may be advisable. This type of policy is usually approved very quickly without asking any (or very few) medical questions. But the rate may be fairly high and pre-existing conditions may not be immediately covered.
Whether you are working, without medical insurance, paying too much on existing coverage or just shopping for a lower rate, affordable Pennsylvania health insurance quotes are just a click away. To see, compare or apply for coverage, simply provide your zip code at the top of the page. You can also call us at (888) 513 6446.
Pennsylvania health insurance reform is coming. But if House Speaker Nancy Pelosi has her way, you can expect to see your Pennsylvania individual and family health insurance rates rise faster than you ever imagined. However, there are some alternative solutions that will cost less, expand coverage and improve health care quality.
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 and family health insurance policies.
2. Increase and expand funding to high-risk plans 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? Maybe they could get cheaper plans elsewhere.
4. Eliminate waste, abuse and fraud in the Medicare and Medicaid programs. Fraudulent activities cheat taxpayers out of billions of dollars each and every year, including many in Pennsylvania. Let’s take on this problem 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. And that’s better than the ideas we have been hearing from Washington DC.
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. Let’s not offer free insurance to a few and charge everyone else a fortune. Let’s also not bankrupt America in the process of enacting this law.
You may view the Holtz-Eakin/Howard article here. If you would like to instantly compare Pennsylvania health care, please click on the “Get Instant Quote” button at the top of the page.
UPDATE: In a few months, the Supreme Court will rule on the legality of requiring citizens to buy health insurance. I expect a close vote, but it’s too early to predict the outcome. Regardless, we hope that our health care delivery system stays in the hands of the free market and not elected officials.