Affordable Capital BlueCross health insurance plans are available through this website. We offer the lowest available rates for individual and family plans and we also research each policy so you’re provided with quality benefits that match your personal needs. We never charge any fees when reviewing plans or applying for a policy. There are hundreds of options that are offered and we'll make sure you're able to view the best choices.
To qualify for a policy, you must live in the 21-county service area of Central Pennsylvania and the Lehigh Valley. These counties include Fulton, Franklin, Adams, York, Lancaster, Berks, Lehigh, Northampton, Schuylkill, Northumberland, Montour, Columbia, Union, Centre, Mifflin, Juniata, Perry, Cumberland, Dauphin, Lebanon and Snyder. If you reside in another county, you can still apply for a policy with another company through this website. Your zip code will be one factor that determines your premium.
The three available underwritten plans are PersonalBlue PPO, PersonalBlue HSA and Individual Short Term. Policies are underwritten quickly and physicals are rarely required. You can keep coverage for as little as a month or until you turn age 65. Once you reach age 65, several Medicare Supplement plans will be available. Usually, they are less expensive than the policies you have now.
PersonalBlue PPO provides comprehensive coverage with five deductible options ranging from $500 to $5,000. Preventive care visits are fully covered without having to meet a deductible or copay. However, other types of office visits are subject to a $30 copay AND the deductible. Emergency Room and Urgent Care visits are only subject to $100 and $50 copayments respectively.
We highly recommend adding the optional prescription rider. When added, generic, preferred brand and nonpreferred brand medications are covered. Copays range from $15 to $60 although utilizing mail-order will lower your cost. A $100 annual deductible applies for each covered person (maximum $300 per family).
PersonalBlue HSA (QHDHP) is the Pennsylvania Capital BlueCross version of a high-deductible medical plan. Options range from $1,500 to $5,000 with choices of 20% and 0% coinsurance. Like all Health Savings Accounts, preventive benefits are included without having to meet a deductible. And of course, the policy is considered a QHDHP (Qualified High Deductible Health Plan).
We strongly endorse the usage of HSA plans. They are a great way to lower your premiums, pay for qualified health, dental and vision expenses with tax-deductible dollars, and maintain better control over your personal health care program. We also believe selecting the 0% coinsurance is worth the small increase in premium. With this feature, other than the deductible, you pay no out-of-pocket money on covered expenses. Other higher coinsurance options are available.
Individual Short-Term is designed to cover persons who need temporary medical coverage. The length of coverage runs from 30 days to 180 days and works best if you are between employers, simply uninsured, just graduated from school or waiting for a group plan to begin. Premiums are very cheap…often 50% less than conventional coverage. You can often apply for coverage and be approved the next day.
The application is simplified and approval times often take less than 36 hours. Deductibles range from $3,000 to $10,000 with 20% coinsurance. Typically, pre-existing conditions are not a covered benefit. We like the Capital BlueCross short-term coverage. However, since we represent all of the large companies, usually, a lower rate is available from UnitedHealthcare or other companies. However, benefits will vary so it's important to understand differences.
Sample Monthly Rates For 35 Year-Old Male In Dauphin County
PersonalBlue with RX
$158 $500 Ded.
$111 $2,500 Ded.
$78 $5,000 Ded.
PersonalBlue HSA
$115 $1,500 Ded. (20% Coinsurance)
$72 $5,000 Ded. (No Coinsurance)
Individual Short-Term
$111 $100 Ded.
$57 $1,000 Ded.
Sample Monthly Rates For Married 35 Year-Old Male & Female With Children
PersonalBlue with RX
$597 $500 Ded.
$429 $2,500 Ded.
$299 $5,000 Ded.
PersonalBlue HSA
$455 $1,500 Ded. (20% Coinsurance)
$285 $5,000 Ded. (No Coinsurance)
Individual Short-Term
$332 $100 Ded.
$172 $1,000 Ded.
How To Apply For Pennsylvania Capital Blue Cross
To apply for a policy, simply print this Capital BlueCross application, complete it, and fax to (888) 513 6446. You do NOT have to submit a payment when you apply. The policy will be underwritten and you receive an offer (in writing) that you can accept or reject. You can also scan and email the application to service@pahealthinsurancecoverage.com.
Please call us at (888) 513 6446 if you would like to discuss the application process, get a free quote or you would like additional specific information on any of the plans.