Capital Blue Cross Short-Term health insurance coverage is now available. Affordable temporary medical plans for the Central Pennsylvania area are ideal if you only need benefits for six months (or less). Rates are very inexpensive and both individual and family plans can be purchased. Even if you only need to be covered for a month or two, this flexible plan will help. You can cancel benefits at any time and also renew the policy (subject to underwriting guidelines). It's a great value for the premium you pay.
Avoiding a lapse can sometimes protect your pre-existing benefits, so it's important to maintain uninterrupted coverage so you can easily transition into your next policy. Usually, you can keep the doctors that you have been using and utilize local providers in the area.And transitioning into another policy is a simple process.
We provide the lowest short-term health insurance rates in Pennsylvania from the top companies such as Capital BlueCross, UnitedHealthOne, Highmark and Assurant. This type of policy will provide dependable benefits at a very affordable rate. But we also feel itís important to properly explain the specific coverages and determine if itís appropriate for you. We do represent other companies that may charge a lower rate than this plan. UnitedHealthOne is one example. Their premiums are often 10%-20% lower than Capital's rates, and UHC is a national carrier.
The Capital Blue Cross plan is not the the cheapest temporary policy, but is one of the few plans that provides preventive benefits at 100%. Most other items are subject to a deductible, which is typical of this type of contract. An RX discount card is provided, although the reduction in cost will only be slight. Coverage for major medical claims, such as hospital stays and ER visits, is very comprehensive.
It's the perfect fit if you need basic coverage quickly. That may give you time to determine what type of long-term benefits you need. Since it can take approximately 2-4 weeks to approve a more permanent option, the short-term plan will give you a nice buffer until you transition into other benefits.
Deductible options range from $500 to $5,000 for individuals and $1,000 to $10,000 for families. The application is short, and takes about 15-30 minutes to complete. Policies are often approved within 16-48 hours and lifetimes benefits of $1 million are available. Generally, if you have just left an employer, graduated from school or need ďgapĒ coverage until a new policy begins, a short-term plan is advisable. You can always apply for a different type of policy including other BC plans. Also, while you are covered, you can compare more permanent policies with multiple carriers, and if needed, purchase a policy.
Sample Selected Rates
$54† Male Age 30† $2,500 Deductible
$89† Male Age 45† $2,500 Deductible
$65† Female Age 30† $2,500 Deductible
$108† Female Age 50† $2,500 Deductible
$180† Family (Male age 35, Female age 35 and three children) †$2,500 Deductible
How To Apply For Coverage
Applying for a policy is easy. Please print the Capital Blue Cross application (see the link below) and complete. Then, fax the completed application to (888) 513 6446. You may also email back in a PDF file to firstname.lastname@example.org. Itís that simple!
We also attached a brochure (below) that provides some specific coverage and rate information.