Affordable Capital BlueCross health insurance plans are available through this website. We offer the lowest available rates for individual and family coverage and will 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 coverage.
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.
The three available underwritten plans are PersonalBlue PPO, PersonalBlue HSA and Individual Short Term. Policies are underwritten quickly and physicals are rarely required.
PersonalBlue PPO provides comprehensive coverage 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 health plan. Deductible 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.
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.
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 Celtic.
Sample Monthly Rates For 35 Year-Old Male In Dauphin County
PersonalBlue with RX
$158 $500 Deductible
$111 $2,500 Deductible
$78 $5,000 Deductible
PersonalBlue HSA
$115 $1,500 Deductible (20% Coinsurance)
$72 $5,000 Deductible (No Coinsurance)
Individual Short-Term
$111 $100 Deductible
$57 $1,000 Deductible
Sample Monthly Rates For Married 35 Year-Old Male & Female With Children
PersonalBlue with RX
$597 $500 Deductible
$429 $2,500 Deductible
$299 $5,000 Deductible
PersonalBlue HSA
$455 $1,500 Deductible (20% Coinsurance)
$285 $5,000 Deductible (No Coinsurance)
Individual Short-Term
$332 $100 Deductible
$172 $1,000 Deductible
How To Apply For Pennsylvania Capital Blue Cross Health Insurance
To apply for coverage, 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 for coverage. 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 eharris@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.