Affordable Central Pennsylvania Health Insurance Plans are available from most of the major health carriers such as Highmark Blue Shield, Capital Blue Cross, Aetna, HealthAmerica and UnitedHealthOne (formerly UnitedHealthCare). We offer health insurance plans to individuals, families, the self employed and the uninsured of Central Pennsylvania. The rates you view on our website are guaranteed to be the lowest allowable by the state and we’ll help research and find the policy that best meets your needs and objectives.
Central Pennsylvania health insurance rates are quite affordable compared to most parts of the state. Typically, rates in the Pittsburgh and Philadelphia areas tend to be approximately 10%-20% higher than Harrisburg area rates. Central Pennsylvania physician charges, hospital room rates and malpractice insurance premiums are generally lower than other parts of Pennsylvania, accounting for some of the difference. The Southeastern Pennsylvania area is served by Independence Blue Cross (IBX), who at one time was negotiating a merger with Highmark.
Each individual and family is different. Catastrophic coverage may be the best solution for certain situations, but not for others. That’s why we feel it is important to consider all of the available medical plans from all of the major companies, and not just a selected few. For many Central Pennsylvania residents, the following plans have been quite popular:
UnitedHealthOne’s Copay Select Plan is a comprehensive policy that provides unlimited covered office visits subject to a $35 copay. Both generic and non-generic prescriptions are covered, subject to a $3,000 annual maximum. A $3 million lifetime maximum benefit applies to each person. Many riders are available to increase prescription, lifetime maximum benefit and other coverages. Many preventive benefits are included without a waiting period. This health insurance plan has been a favorite of Central Pennsylvania residents for many years.
Aetna’s HMO 30 plan has no deductibles to meet on major claims. A $550 per day copay (five day maximum per admission) applies to hospital stays and only a $500 copay applies to outpatient surgery. Most office visits, lab tests, x-rays and preventive benefits are subject to low copays. Maternity benefits (including newborn services) are also included. Most prescriptions are covered and not subject to a deductible. Clearly, this policy is one of the top Central Pennsylvania health insurance options to consider if minimizing out-of-pocket cost is a priority.
Aetna’s PPO 5000 plan features $40 copays on covered office visits ($50 for specialist visits) with comprehensive prescription coverage subject to a $5,000 annual cap. Comprehensive preventive benefits are included without a waiting period. Premiums are generally very low because of the $5,000 deductible on major claims. A “PPO 2500” plan is also available, but the rate is not as competitive.
HealthAmericaOne’s HealthGear 5000 plan is an inexpensive catastrophic policy with some added benefits. Major medical expenses, primary and specialist visits and prescriptions are subject to a $5,000 deductible. However, preventive services, including gynecological exams, routine mammograms, well child and adult physical visits, and preventive pediatric and adult immunizations. This plan, along with UnitedHealthone’s “Saver 80” plan, are two of the most popular health insurance policies in the Central Pennsylvania area.
Highmark Blue Shield’s DirectBlue plan is a bit more expensive than its sister policy…the PPOBlue plan. Deductibles are low ($250 or $500 per individual) with a low 10% coinsurance after the deductible. Maternity coverage is included and subject to the deductible along with office visits. Preventive benefits (routine physicals, mammograms, pediatric immunizations etc…) are covered at 90% and not subject to a deductible. Prescriptions are subject to only a $100 deductible before copays of $10 or $20 apply.
Highmark Blue Shield’s PPOBlue plan is a major medical policy with individual deductibles ranging from $1,200 to $3,500. As an HDHP (High Deductible Health Plan), this policy qualifies for Central Pennsylvania Health Savings Accounts. Coverages are similar to the DirectBlue plan including many preventive benefits covered without a deductible. Prescriptions are covered at 90%, but subject to the deductible.
Of course there are hundreds of available health insurance plans to consider in addition to the six policies previously mentioned. We will carefully choose the plans that are best for you, and explain our reasons in detail. Our recommendations are always unbiased and we guarantee the rates are the guaranteed lowest allowable in the state. If government health insurance reform is passed, we will still continue to offer the same service.
To instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company. You may also call us at (888) 513 6446.
Pennsylvania Highmark Blue Cross Blue Shield Health insurance policies are available at extremely affordable rates. As the premier resource for Highmark Blue Cross Blue Shield plans, we offer the guaranteed lowest allowable Pennsylvania rates for Highmark plans. Specific policies are designed for different situations, and we’ll be glad to research and review your options to provide you with the lowest cost, yet highest-quality policy options. Highmark provides coverage for the 29 counties of Western Pennsylvania.
PPOBlue & DirectBlue
The two most comprehensive Highmark plans are PPOBlue and DirectBlue. Both plans provide comprehensive benefits, preventive care services, prescription coverages and access to the large network of Highmark Blue cross Blue Shield doctors and hospitals. The biggest differences in the two plans are the deductible options. PPOBlue offers individual deductible choices of $1,200, $2,600 and $3,500 and qualifies as an HAS plan. DirectBlue offers lower deductible options of $250 and $500, but rates are generally higher.
PPOBlue & DirectBlue Coverages
Pennsylvania Highmark PPOBlue and DirectBlue plans include many preventive care coverages, including routine physicals, pap tests, gynecological exams, mammograms and pediatric examinations. These benefits are not subject to a deductible (Policy pays 90% of covered expense). Additional coverages include office visits, inpatient hospital services, maternity services, diagnostic services and emergency care, which are covered at 90% after the deductible has been met.
PPOBlue pays 90% of prescription drug expenses after the deductible has been met. There is a $50,000 calendar-year maximum and you must stay “In-Network” to use utilize the benefit. DirectBlue pays 100% of prescription drug expenses after a low $100 deductible has been met. A $10 generic and $20 brand name copay applies to the coverage. The calendar-year maximum is also $50,000.
Additional Benefits
Both Blue Cross Blue Shield plans feature a lifetime policy maximum benefit of $5 million along with additional benefits of diagnostic services, spinal manipulations, occupational and speech therapy and physical medicine. Mental health services and substance abuse rehabilitation expenses are not covered. Discounts are included on health-related services such as massage therapy, personal trainers, nutritional counseling and fitness centers and spas.
Since Pennsylvania Highmark Blue Cross Blue Shield plans are medically underwritten, when applying for coverage, an application must be submitted, although no physical is required. We’re experienced in helping you with the application process and working to expedite the approval of your policy. There are never any fees for our services and we will continue to provide unlimited support for as long as you own your policy. For additional information including current rates and applying for Highmark coverage, please call us at (888) 513 6446 or email eharris@pahealthinsurancecoverage.com.
Helpful Links:
Highmark PPOBlue & DirectBlue Rates
Highmark Blue Cross Blue Shield Provider Directory (Doctors or Medical Professionals)
Highmark Blue Cross Blue Shield Provider Directory (Hospitals or Facilities)
Highmark PPOBlue & DirectBlue Benefit Details
| | | |
| Services | PPOBlue, An Individual Comprehensive
Major Medical Preferred-Provider
High-Deductible Health Plan;
$3,500 Individual/$7,000 Family Deductible;
Medically Underwritten | DirectBlue, An Individual Comprehensive Major Medical Preferred-Provider Health Plan; $500 Individual/$1,500 Family Deductible; Medically Underwritten |
| | Network | Out-of-Network | Network | Out-of-Network |
| Benefit Period | Contract Year | Contract Year | Contract Year | Contract Year |
| Type of Coverage | Medically Underwritten | Medically Underwritten | Medically Underwritten | Medically Underwritten |
| Deductible - Individual | $3,500
Includes out-of-network benefits | Choice of network deductible applies to out-of-network benefits | $500 | $500 |
| Deductible - Family | $7,000
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 | $500 per person with a maximum of $1500 | $500 per person with a maximum of $1,500 |
| Out of Pocket Maximum (does not include deductible) - Individual | $1,500 | $3,000 | $1,500 for network and out-of-network covered services combined | $1,500 for network and out-of-network covered services combined |
| Out of Pocket Maximum (does not include deductible) - Family | $3,000 | $6,000 | $4,500 for network and out-of-network covered services combined | $4,500 for network and out-of-network covered services combined |
| Coinsurance (only applied after any applicable deductibles have been met) | 90% | 70% | 90% | 70% |
| Lifetime Policy Maximum | $5,000,000
Includes out-of-network payments | $300,000
Included as part of network maximum | $5,000,000
Includes out-of-network payments | $300,000
Included as part of network maximum |
| Benefit Period Maximum | $1,000,000
Includes out-of-network payments | Included as part of network maximum | $1,000,000
Includes out-of-network payments | Included as part of network maximum |
| Hospital Facility Expense - Inpatient
(includes Maternity) | 90%
Includes maternity | 70%
Includes maternity
Limited to 90 days/benefit period | 90%
Includes maternity | 70%
Includes maternity |
| Emergency Room Care | 90% | 90% | 90% after $40 copayment
(waived if admitted) | 90 % after $40 copayment (waived if admitted) |
| Office/Home Visits | 90% | 70% | 90% | 70% |
| Medical/Surgical Expenses
(except office visits) | 90% | 70% | 90% | 70% |
| Preventive Care | Routine Physicals, Gynecological Exam, Pap Test, Mammogram and Pediatric Immunizations.
Deductible does not apply - 90% | Not Covered | Routine Physical and Mammogram
Gynecological Exam and Pap Test
Pediatric Care
Pediatric Immunizations
Adult Immunizations
90% - deductible does not apply | Not Covered |
| Diagnostic Services
( X-ray, lab, other tests) | 90% | 70% | 90% | 70% |
| Physical Medicine | 90%
15 visits per contract year | 70%
Included as part of network visits | 90%
15 visits per calendar 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 | 90%
Combined 15 visits per calendar year | 70%
Included as part of network visits |
| Spinal Manipulations | 90%
10 visits per contract year | 70%
Included as part of network visits | 90%
10 visits per calendar year | 70%
Included as part of network visits |
| Mental Health Services | Not Covered | Not Covered | Not Covered | Not Covered |
| Substance Abuse - Rehabilitation | Not Covered | Not Covered | Not Covered | Not Covered |
| Substance Abuse - Detoxification | Not Covered | Not Covered | Not Covered | Not Covered |
| Prescription Drug | 90%
$50,000 contract year maximum | Not Covered | $100 deductible per calendar year
$10 generic, $20 brand
$50,000 calendar year maximum | Not Covered |
| Discounts on Health-Related Services - Fitness Centers & Spas
- Massage Therapy
- Nutritional Counseling
- Personal Trainers
| Covered | Covered | Covered | Covered |
| Blues On Call
-Health Information and Support Toll-Free Hotline | Covered | Covered | Covered | Covered |
| Vision* | Not Covered | Not Covered | - Eye exam every two years - 100% -- Deductible Does Not Apply
- Discounts on lenses and frames, non-prescription sunglasses & Laser Vision Correction
- Davis Vision Provider Network Only
- Benefit does not apply towards deductible
| None |
| | | |
Pennsylvania Independence Blue Cross has offered affordable high-quality health insurance plans to Pennsylvania residents for more than 60 years. They are the Philadelphia region’s largest health insurance company and serve the Philadelphia area and Southeastern Pennsylvania.
The two available types of Keystone HMO policies are “deductible” and “copay” plans. The Blue Cross “deductible” plans are the HMO $5,000, HMO $2,500 and HMO $1,500 plans. “Deductible” plans are the most affordable type of coverage, since the insured incurs a higher out-of-pocket expense on major claims. After the deductible, the insured is responsible for 30% of medical expenses, subject to maximum limits.
The Blue Cross “copay” plans are the HMO $20, HMO $15 and HMO $10. “Copay” plans are more expensive since there is no major deductible to meet. Instead of a deductible, a small ($100-$400) copay per day is charged. However, to reduce your expenses, there is a maximum of five copays per admission.
Both types of Pennsylvania Keystone HMO plans feature preventative services that are not subject to a deductible. Some of the covered services include mammograms (no referral required), pediatric immunizations, outpatient lab/pathology and routine gynecological exams. Routine eye care exams are also included (once every two years and subject to a copay).
Routine primary care and specialist office visits are covered with copays ranging from $10-$50. The “HMO Copay” plans will feature slightly lower copays than the “HMO Deductible” plans. Spinal manipulations and physical/occupational therapy are also covered expenses with copays starting as low as $20. Both HMO plans allow one routine eye care exam every two years.
Pennsylvania Independence Blue Cross Keystone HMO plans offer very comprehensive prescription coverage. However the “HMO deductible” plans do not require that you meet a deductible before using RX benefits. Copays range from $10 to $50. However, “HMO Copay” plans have deductibles ranging from $100 to $250 on each of their policies. Out-of-pocket expenses tend to be slightly less on non-generic prescriptions. Both types of plans have a yearly RX maximum of $2,500 per person and $5,000 per family.
Keystone HMO exclusions are typical for standard Pennsylvania health insurance plans and include services not medically necessary, treatment of substance abuse or mental illness, acupuncture, dental care, cosmetic services and private duty nursing. A complete list can be found in the “Benefits Summary.”
For additional information on any of the Independence Blue Cross Keystone HMO plans, please call us at (888) 513 6446. If you would like to instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
There are many types of Pennsylvania health insurance plans. “Catastrophic” and “HSA” plans will tend to be the least expensive options, but feature high out-of-pocket costs to the insured. “Comprehensive” plans offer lower out-of-pocket costs on the most common claims, but are the most expensive type of coverage.
Pennsylvania comprehensive health insurance plans cover the standard inpatient major medical items such as room and board, intensive care unit, recovery room, operating room, prescription drugs and professional fees of doctors, surgeons and nurses. Outpatient expense benefits include facility and hospital fees for outpatient surgery, surgeon and assistant surgeon fees, emergency room fees for illness and injury, some mental and nervous disorders and X-ray and lab fees performed at network facilities.
But Pennsylvania comprehensive health insurance plans provide coverage for many additional items. Traditionally, office visits (primary care and specialist) and prescriptions (generic and non-generic) are covered expenses along with wellness/preventative care expenses. Some specific Pennsylvania wellness/preventative coverages include preventative mammograms, pap smears, PSA screenings, child immunizations and annual physicals.
Most major Pennsylvania health insurance companies offer comprehensive health care plans. Aetna, UnitedHealthOne, Blue Cross and HealthAmerica offer extremely competitive rates on their comprehensive plans. This type of coverage is typically available in either a PPO (Preferred Provider Organization) or an HMO (Health Maintenance Organization). With a Pennsylvania PPO, you can see any doctor or visit any hospital within the preferred network of providers. “Out of Network” providers will pay lower benefits. An HMO may provide a broader coverage, but with smaller Network availability.
Some of the most comprehensive Pennsylvania health insurance plans include HealthAmerica’s Copay 100% plan, Aetna’s HMO 20 and HMO 30 plans, UnitedHealthOne’s Copay Select Plan, Blue Cross’ KeystoneBlue HMO and Blue Cross’ Keystone Health Plan East’s HMO. Of course, there are other comprehensive plans that may be your best option, depending on your specific situation.
To instantly view, compare or apply for Pennsylvania’s best health plans, please click on the “Get Instant Quote” button at the top of the page. (Not all Blue Cross plans will be included in the quote because of software restrictions. But we’ll be happy to review any Blue Cross/blue Shield plan with you)
Pennsylvania BlueCare Direct Advantage health insurance plan is available through Pennsylvania’s premier resource for affordable health insurance…Pahealthinsurancecoverage.com. This plan is issued through Blue Cross of Northeastern Pennsylvania, and is ideal if you are self-employed, retired, just out of college or without health care benefits.
BlueCare Direct Advantage is a qualified high-deductible health plan that provides benefits often not covered under other individual/family plans such as preventative health services, maternity and wellness programs. And because it is considered a high-deductible health plan (HDHP), you can combine a Pennsylvania Health Savings Account (HSA) with the policy. An HSA is a portable savings account that allows you to pay for current health care expenses and save for future qualified health care expenses on a tax-free basis.
The preventative care coverage is quite extensive and is not subject to deductibles OR copays. Adult (medically necessary) and childhood immunizations are included along with routine gynecological examinations. Popular preventive services such as mammograms, colorectal and prostrate screenings and pap tests are also covered in full.
The Pennsylvania BlueCare Direct Advantage health insurance plan also offers non-preventative office visit and prescription coverage, but they are subject to a deductible. Once the deductible has been met, 80% of the cost of office visits is paid by the policy. Prescriptions are subject to copays ranging from $0 to $65, depending on the “tier” classification. By purchasing prescriptions through mail order, the out-of-pocket cost will be less.
BlueCare Direct Advantage features a $2 million lifetime maximum, which is adequate coverage compared to what many other plans offer. The two available deductible options are $1,750 and $3,000. A traditional 20% coinsurance applies after the deductible.
Premiums are quite affordable compared to other Blue Cross plans. As an example, for a healthy 34 year-old male choosing the higher deductible option, the monthly premium is only $108. The rate for a healthy 44 year-old male is only $152. Female rates are higher for ages under 55. If you do not qualify for the rate for which you apply, you may be eligible for coverage at a higher rate.
To apply for coverage, please call us at (888) 513 6446, email us at eharris@pahealthinsurancecoverage.com or fax the application to (888) 513 6446 (Attn: Ed Harris). Pahealthinsurancecoverage.com is the premier resource for affordable Pennsylvania health insurance. Any information you provide is never shared with any other person or company.
BlueCare Direct Advantage Benefits
BlueCare Direct Advantage Rates
Pennsylvania Aetna HMO (Health Maintenance Organization) plans provide some of the most comprehensive health care available to Pennsylvania residents. Individuals who join an HMO are considered its members. When you join a Pennsylvania HMO, a primary care physician is selected from a large Network list. Your physician will coordinate all of your medical care. There are no claim forms when you visit a network provider and no waiting period for routine physical exams.
Aetna’s “HMO 30” is one of the most popular, yet affordable health insurance plans in Pennsylvania. Since there is no major medical deductible to meet, out-of-pocket expenses tend to be lower when compared to a typical PPO plan. Also, lifetime benefits are unlimited instead of the more common $1-5 million cap. Covered office visits are subject to low $30 copay while specialist visits are subject to a $45 copay. There is no limit to the number of covered office visits that an individual or family can use.
Preventive coverage is also included and actually emphasized in the Pennsylvania Aetna HMO plans. Routine physicals are subject to a copay $30 while annual routine GYN exams, paps and mammograms are subject to a $40 copay. Generally, you do not have to meet a deductible to use the preventive services.
Lab tests and X-Rays are also covered by a low $40 copay. And although home health care and outpatient therapy are not commonly used, they are covered by copays are not subject to a deductible. After a $500 deductible, prescriptions are covered by copays of either $15, $40 or $60. For many generic versions, you may be able to pay a lower amount a retail pharmacies such as Wal-Mart or Giant Eagle.
Hospital visits (including maternity) are not subject to a deductible. Instead, a $550 copay per day is charged (maximum of five days of copays). Aetna’s Pennsylvania HMO plans also offer alternative copay charges to reduce the premium. Outpatient surgery is subject to just a $500 copay and the emergency room copay is just $250.
Pahealthinsurance.com is the premier resource for affordable Pennsylvania health insurance plans. To instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
Pennsylvania Aetna HMO 30 Health Insurance Plan Details
Cheap Pennsylvania health insurance plans are offered by many of the major health insurance companies. Although, perhaps “affordable” might be a better way to describe some of these low-cost Pennsylvania health plans. Blue Cross, Aetna, UnitedHealthOne and HealthAmerica are the carriers that offer the best options if you are searching for a low-cost cheap plan.
Five of the most popular “cheap” plans are:
UnitedHealthOne “Saver 80” plan: UHC’s least expensive plan features $3 million of lifetime catastrophic coverage for each insured in the family. Although office visits are not covered, there is some nominal coverage for prescriptions and preventative care. Premiums are indeed cheap…easily one of the lowest-cost Pennsylvania health insurance plans.
Aetna “Preventive & Hospital Care” plan: A cheap catastrophic plan that offers $3,000 and $1,250 deductible options. The $1 million per insured lifetime benefit is rather low compared to other Pennsylvania health insurance plans, but adequate for short-term and medium-term needs. Most preventive benefits are NOT subject to a deductible, which is a major plus for this type of plan. Aetna Pennsylvania health insurance rates are always quite competitive.
Celtic “Basic” plan: Based in Chicago, Celtic Insurance Company’s low-cost “Basic” plan allows two office visits per person (subject to$30 copay). Adult and children preventive benefits allow $200 of coverage although there is a pesky 12-month waiting period. Prescription benefits cover generic drugs, preferred brand drugs and brand drugs with a generic substitute. However, a $1,000 deductible applies to the RX coverage. The lifetime maximum is $5 million.
UnitedHealthOne “Copay Saver” plan: With UHC’s recent rate reductions in Pennsylvania, this plan is not only cheap…but it includes some coverages you normally don’t find in less expensive plans. For example, two office visits are covered (subject to a $35 copay) along with a generic prescription copay of $15. Some adult and preventative coverage is included subject to a three-month waiting period. In many parts of Pennsylvania, “Copay Saver” rates are less than some catastrophic plans.
Highmark Blue Cross Blue Shield “PPO Blue” plan: A deductible applies on most coverage except preventative benefits. But once the deductible has been met, most benefits are payable at 90%, including office visits, diagnostic services, prescriptions, inpatient hospital services and emergency care. Immunizations, routine annual physical exams, pap smears and mammographic screenings are not subject to the deductible. Individual deductible options range from $1,200 to $3,500 and lifetime benefits are a generous $5 million. This plan is only available to residents of the 29 counties of Western Pennsylvania.
Cheap Pennsylvania health insurance plans are indeed available. To instantly view, compare or apply for coverage, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
Affordable Pittsburgh health insurance plans are available through Pennsylvania's major companies, such as Highmark Blue Cross Blue Shield, Aetna, HealthAmerica, UnitedHealthOne and Golden Rule. As the state's premier resource for quality Pittsburgh health insurance plans, we guarantee you will receive the lowest allowable rate and you will never be charged for our services.
Other available Pittsburgh plans are available through Assurant, Celtic and a handful of other smaller companies. Highmark Blue Cross Blue Shield serves the 29 counties of Pennsylvania, including the Pittsburgh area. The individual/family plans offered by Highmark are CompleteCare, DirectBlue, PreferredBlue and PPOBlue. Rates and coverages vary, so we carefully determine which of the Highmark plans (if any) would be the perfect fit for you.
The Keystone DirectBlue and PPOBlue plans offer comprehensive coverages including preventive care services, prescription coverages and complete access to the Highmark Blue Cross Blue Shield doctor and hospital network. Office visits, inpatient hospital services, diagnostic services and maternity care are just a few of the additional benefits of each plan.
Two of the nation’s largest health insurers, Aetna and UnitedHealthOne, also offer extremely competitive rates in Pittsburgh and Western Pennsylvania. Aetna’s HMO plans offer comprehensive coverage with low out-of-pocket expenses. Another popular Aetna plan is the “Preventative & Hospital Care policy, which features low premiums with a combination of catastrophic and preventive coverages. Aetna's PPO copay policies are also some of the most well-liked Pittsburgh health insurance plans. Most office visits and prescriptions are covered with just a small copay.
UnitedHealthOne's “Copay Select” plan provides unlimited covered office visits, without having to meet a deductible. Deductible options of $1,000 to $7,500 allow the consumer to mold the premium around their budget. Comprehensive prescription and preventive coverages are also included. The "Saver 80" is a low-cost catastrophic plan that provides coverage for major medical claims with a wide range of deductible options.
HealthAmerica, subsidiary of Coventry, also has a large selection of Pennsylvania health insurance plans. High deductible plans and Health Savings Accounts (HSAs) provide Pa residents with low premium options. Once the deductible is met, medical expenses are generally covered at 90% (with a cap) or 100%. Preventive benefits are generally not subject to a deductible and rates in the Pittsburgh area are always extremely competitive.
To instantly view and compare Pittsburgh health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your personal information will not be shared or given to any other person or company. Or...call us at (888) 513 6446 and we'll be happy to review your options.
Who are the major Pennsylvania health insurance companies?
Aetna, United HealthCare, Blue Cross, and HealthAmerica offer the most competitive rates in Pennsylvania. Occasionally, Humana, Assurant or Celtic have plans that should be considered.
What is “catastrophic” health coverage and should I consider it?
“Catastrophic” health insurance plans are designed to cover major medical expenses, such as inpatient and outpatient hospital visits, surgical expenses and emergency room charges. Pennsylvania Premiums are fairly low, but office visits and prescriptions are generally not covered. For healthy individuals and families, this type of coverage can potentially save a substantial amount of premiums, and is worth considering.
What if I only need coverage for a few months?
A Pennsylvania “short-term” policy could be your best option. Premiums are substantially lower than comprehensive policies and you may select the number of months you would like to be insured. Applications are brief and are often approved within 24 hours.
What is a PPO?
A PPO is a “preferred provider organization” that negotiates lower rates with groups of hospitals, doctors and other health care providers. Membership in the PPO allows a substantial discount below their regularly charged rates. Most Pennsylvania health insurance companies offer PPO policies, and they are the most popular type of coverage.
What is an HMO?
A health maintenance organization (HMO) is a type of managed care organization that provides health care coverage in the US. Unlike traditional health coverage, an HMO sets guidelines under which doctors, specialists and other providers can operate. A typical HMO plan offers comprehensive health services with low copays and no deductibles or co-insurance. Coverage is restricted to “in-network” only. In Pennsylvania, Blue Cross and Aetna offer very competitive HMO rates.
Will my pre-existing condition be covered?
That depends on the type of condition and the health insurer you are applying with. Many pre-existing conditions are covered by Pennsylvania health companies. Blue Cross, Aetna and HealthAmerica are more likely to cover certain conditions than other companies. Sometimes, an existing condition will be covered, although rates may increase to pay for expenses paid by the insurer.
How much do I have to pay to use this Web service?
There is no cost for our services and we have never charged any fees or expenses. We can also guarantee that you will receive the lowest allowable premium in Pennsylvania since the Pennsylvania Department of Insurance regulates rates. No other website or company can legally quote a lower rate.
How many brokers are going to call me after I submit my information?
Probably none! Generally, I do not call website visitors unless requested. Also, I never share your information with any other person, company or website. Many other websites will sell your personal information, resulting in multiple calls and emails from out-of-state brokers and agents.
Can I buy a customized Pennsylvania health insurance policy?
Yes. Once we have determined the type of coverage you want, we can create a personalized plan that features the deductibles, copays and premium that you want. We’ll make sure that your doctors are Network-approved and the company is highly-rated.
Pennsylvania HealthAmerica health insurance rates are usually competitive in most parts of the state. And although their high deductible plans are the most popular, a particular comprehensive plan stands out. The Copay 100% plan has lower out-of-pocket costs than almost every other available Pennsylvania plan.
Primary care office visits feature low $20 copay ($40 for specialists). Unlike some “Value” plans, there is no limit to the number of covered office visits during the year. Prescription copays are $15 (Generic), $25 (Non-Generic) and $50 (Non-Formulary). A low $100 ($300 family) applies.
Perhaps the most attractive feature about the HealthAmerica Copay 100% plan is the lack of a deductible or coinsurance on Network major medical claims. The only listed out-of-pocket expense is a $200 per day hospital care charge for the first five days while the lifetime maximum benefit is a generous $5 million. Lab services are 100% covered while x-rays are subject to a $40 deductible.
Preventative coverage is included with very low (or no) out of pocket costs. Some of the included Pennsylvania HealthAmerica preventative coverages include gynecological exams, adult physicals, routine mammograms, well-child visits and routine pediatric immunizations.
HealthAmerica is one of many large reputable Pennsylvania health insurance companies including United HealthCare, Blue Cross and Aetna. The Copay 100% plan is not the right fit for all situations, but should be considered when comprehensive coverage with low out-of-pocket costs is a priority.
To instantly view, compare and apply for high quality health plans from the top Pennsylvania companies, please click on the “Get Instant Quote” button at the top of the page. Your information will never be shared with any other person or company.
