Affordable Allentown health insurance rates are available from many Pennsylvania health insurance companies. Aetna, United HealthCare, Geisinger, HealthAmerica, Celtic and Blue Cross are some of the major health insurance carriers that offer high quality coverage at competitive rates. It does not matter if you are self employed, unemployed, an individual or a family, the rates we quote are the lowest allowable by each of the insurers. And we base our recommendations on your specific situation. Geisinger Health System insurance quotes are provided separately (software reasons). You can instantly view their rates here
Normally, rates in Lehigh County tend to be lower than other neighboring Pennsylvania counties such as Berks, Montgomery and Bucks counties. Possible reasons are the lower cost of office visits (both primary care and specialist), lower hospital daily room charges and lower malpractice insurance rates for doctors and surgeons. Also, lower-populated areas often have more competitive rates. Keystone HMO plans are available in many counties to the east, but not in Lehigh county.
For example, for a 40-year-old healthy male, catastrophic coverage would cost approximately $65-$85 per month (UnitedHealthcare Saver 80 plan). A comprehensive policy would increase the monthly premium to approximately $115-$175. Allentown Health Savings Accounts (HSAs) currently cost approximately $115-$150 per month.
HSAs are a great option to consider if you have relatively few claims and are mainly concerned with preventive and catastrophic benefits. Blue Cross, Aetna and HealthAmerica offer very good HSA options. There are three available plans that cost less than $100 per month for a 40-year old male.
Geisinger also features very attractive rates in the Allentown area, along with other parts of the Central and Northeastern portion of the state. Eleven plans are offered, including policies with deductibles as low as $250. High-deductible options are also available. Please feel free to contact us about specific plans. The PPO 8 is one of their cheapest plans while the PPO 7 costs a little more but includes a copay on office visits.
Most plans now provide 100% coverage for preventive benefits (part of recent national health care reform changes). There is also no waiting period, copay or deductible to use these benefits. We highly encourage all policyholders to utilize this free benefit. Unless portions of the new health care law are changed, these preventive features should remain in place. And since President Obama was re-elected, we don't foresee any changes.
Although many factors can influence Allentown rates, such as health conditions, age, and smoking status, rates should remain fairly steady for the next 6-9 months. Pending medical insurance reform could possibly result in substantial rate increases for children. Otherwise, rates will remain fairly low until 2014, when most of the health reform changes become effective. At that time, although policy choices will reduce, possible tax relief may offset expected higher premiums.
Pahealthinsurancecoverage.com is the primary resource for affordable Allentown health insurance plans. We continuously update rates and provide current information that will help reduce your medical costs. And of course...the quotes are free!