Pa Catastrophic Plans

The “Saver 80” plan is UHC’s catastrophic plan. Monthly premiums are lower than most Pennsylvania health insurance plans. A lifetime unlimited benefit provides coverage for major medical claims. The policy is ideal for those persons interested in covering only catastrophic claims. A prescription discount card is included that provides small reductions. Any qualified preventative benefit has no waiting period and no out of pocket expense. For persons without coverage, this plan is a great starting point.

Pa Comprehensive Plans

The “Copay Select” and “Copay Saver” plans are UHC’s most comprehensive plans. Both plans include catastrophic and preventative coverages. The “Copay Select” plan offers unlimited office visit coverage with comprehensive prescription coverage. The “Copay Saver” plan, costs less, since only four office visits and generic prescriptions are covered. But the savings can be substantial, especially if coupled with a higher deductible.

Pa Health Savings Accounts (HSAs)

The “HSA 100” plan is UHC’s most comprehensive Health Savings Account. After one (not two or more!) family deductible, covered expenses are paid at 100%. Preventative coverage is not subject to the deductible. Rates are generally quite competitive, especially in Western Pennsylvania. In many parts of the Eastern part of the state, rates are also very attractive.

UnitedHealthcare Pennsylvania health insurance plans will not always be your best option. But, as the premier resource for health insurance, we’ll always recommend the best plan that fits your particular situation.

UPDATE: October 2010. A few changes. Most UnitedHealthcare plans now offer preventive coverage that is not subject to a deductible or waiting period. Lifetime maximum caps have been removed although $3 million would be enough for the vast majority of Pennsylvania residents.

And of course…the Phillies won the division again this year. But right now, they are down 3-2 (in games) to the pesky Giants in the playoffs!

Ed

UPDATE: January 2011. UHC’s rates remain attractive. The “Saver 80″ plan is now best used with deductibles of $2,500 or more.

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