We help individuals, families, the self-employed and the uninsured find low cost health insurance at an extremely affordable rate. The prices you view at Pahealthinsurancecoverage.com are always updated to reflect the lowest offered rates 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 financial situation. 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 benefits.

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 unlimited lifetime maximum benefits.

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

Aetna Preventive & Hospital Care 3000

Aetna PPO 5000

Aetna PPO Value 2500

HealthAmerica QHDHP

HealthAmerica Rewards

Highmark PPOBlue

UnitedHealthCare Saver 80

UnitedHealthCare Copay Select Value

Yes…that is a big list of plans. It is intended to be a guide as opposed to a “one shoe fits all”  type of solution to every customer’s needs. But most of these options will be very cost-effective for most consumers. And qualified preventive expenses are covered at 100% on ALL of these plans. You can call us for additional information or view quotes now by using the “Instant Quote” option at the top of the page.

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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, 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 Pahealth insurance companies may require effective dates of the 1^st or 15^th). You will never see any “limited plans” shown and all of the companies we represent must meet our rigorous standards.

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.

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 immediately see, compare or apply for coverage, simply request the “Instant Quote”  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 quote!

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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 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.

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So…Is  Cinergy Health insurance worth considering. Probably not…unless you’re uninsurable with major health problems. And be prepared for some surprises when you read the fine print of the policy.

The Cinergy Health “Preferred” plans are NOT major medical insurance and are not intended to replace catastrophic health insurance or major medical insurance. The dental and prescription coverages do NOT make payments directly to you. They are “discount” plans that may reduce your out-of-pocket costs with certain providers.

The Coverage

For example…the Cinergy Health “Preferred 1000”plan pays only $100 per year (per person) of emergency room (ER) charges. Two ER visits could easily leave you with a bill of more than $2,000. Daily hospital confinement benefits are also limited to only $1,000 per day (up to 30 days per year). Hospital intensive care coverage is even less…just $1,000 per day (up to 15 days per year).

Pennsylvania Cinergy Health Plans offer far less coverage than most typical major medical plans offered by large insurers such as Blue Cross, United HealthCare, Aetna and HealthAmerica. The difference becomes quite noticeable with lengthy hospital stays, expensive prescriptions or constant visits to a specialist. A major medical claim could potentially expose hundreds of thousands of dollars of expenses that are not covered or are only partially covered.

The Cost

The Pennsylvania Cinergy Health “Preferred 1000” plan costs almost $6,000 for family coverage and about $3,700 for an individual. Add a $50 registration fee and it is quite apparent that unless you’re uninsurable, this plan may not be your best option. In fairness, this article originally was published in 2009 so it’s possible that their rates and plan options may have changed.

But If you can qualify for health insurance from one of the major health carriers, that’s probably your best option. We feel that Aetna, UnitedHealthCare, HealthAmerica, Highmark, Keystone or any of the Blue Cross plans are better and more affordable Pennsylvania health insurance options. You can request a free quote from us and we’ll provide rate and benefit information from the state’s best health insurers.

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We’re experienced Pa brokers for affordable individual and family Pennsylvania health insurance plans and quotes. You can research, compare and apply for the very best  health insurance plans. We value your privacy and take extreme caution to maintain a secure website.

A state-of-the-art instant quoting system is used, allowing Pennsylvania residents to easily and quickly find the most affordable Pa health care plans, but still receive personalized service from a broker with more than 30 years of experience. During the quoting process, we’ll be happy to help you find the plans that give you the coverages you want, and at a price you can afford. And of course, we never use any type of “discounted plan,” so you are only viewing policies from the most reputable companies.

Providing affordable Pennsylvania health insurance quotes to individuals, families and businesses is made possible by properly selecting the highest quality health care plans and instantly providing a wide selection of coverages and benefits. Sometimes it may a bit overwhelming trying to decipher terms and compare plans that seemingly look alike. We’re always willing to help and are only a phone call or email away.

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