Find the best central Pennsylvania health insurance plans in minutes. We provide unbiased information from all carriers such as Highmark Blue Shield Blue Cross, Capital Blue Cross, Aetna, Geisinger, and UnitedHealthOne (UnitedHealthCare). We offer medical plans to individuals, families, the self-employed and the uninsured of Central Pennsylvania. Harrisburg, Lancaster, Chambersburg, Lebanon, Hershey, and York are several cities in the area. Senior Medicare plans help persons that have reached age 65 secure quality benefits. Supplement, Advantage, and Part D prescription drug plans are offered.
Although Geisinger is not one of the larger companies, their rates are very affordable, especially if you prefer more personable treatment. You can read about Geisinger here. They were also one of the original companies to offer deductible options as low as $250 without having to use an HMO. Their Network of providers also extends beyond the central part of the state. A very inclusive RX benefit is also available with most of their plans.
Geisinger's cheapest policies are the "catastrophic" POS plans, available only if you are under the age of 30, or you can show proof of financial hardship that meets the Department of Health And Human Services (HHS) guidelines. However, these policies do not qualify for federal Obamacare subsidies, so they only should be considered if your household income is above 400% of the Federal Poverty Level and you have no major medical conditions.
Rates In Central Pa
Central Pennsylvania health insurance prices are fairly low compared to most parts of the state. Usually, prices in the Pittsburgh and Philadelphia areas tend to be approximately 10%-20% higher than Harrisburg, Lancaster and Lebanon area rates. Physician charges, hospital room rates and malpractice insurance premiums are generally lower than other parts of the state, accounting for some of the difference. Renegotiated network pricing also helps consumers pay lower medical costs. Although the number of available carriers has reduced for applicants under age 65, it is anticipated the additional companies will return to the market by 2020.
The Southeastern Pennsylvania area is served by Independence Blue Cross (IBX), who at one time was negotiating a merger with Highmark. Their Keystone plans provide PPO and HMO options to residents of that area. However, since you must reside in five local counties to qualify for a policy, residents outside of that area are excluded. These counties are Philadelphia, Montgomery, Chester, Bucks and Delaware.
Affordable And Popular Plans
Regardless which part of the area you reside in, 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 consumers, the following options (below) have been quite popular. Each of these policies can be purchased through our website at the lowest available rates and with no fees. Each policy is eligible for the federal subsidy unless otherwise indicated. All qualified preventive expenses are fully covered.
Geisinger Marketplace Value - $7,350 deductible and 0% coinsurance. First three pcp office visits are covered at 100%.
Highmark my Direct Blue Major Events EPO 7350 - $7,350 deductible and 0% coinsurance. First three pcp office visits covered at 100%.
Geisinger Bronze HMO 30/60/6100 - $6,100 deductible with 0% coinsurance. Office visit copays are $30 and $60. All prescription drugs must meet the deductible.
Highmark my Direct Blue EPO 6950B - $6,950 deductible. $50 pcp office visit copay. All prescription drugs must meet the deductible.
Highmark my Direct Blue EPO 7000B - $7,000 deductible with 30% coinsurance. Office visit copays are $60 and $100. Tier 1, Tier 2, Tier 3, and Tier 4 prescription drugs subject to 15%, 25%, 35%, and 50% coinsurance respectively.
Capital BlueCross Bronze PPO 7350/60 - $7,350 deductible with 0% coinsurance. Office visit copays are $60 and $85. All prescription drugs must meet the deductible.
Geisinger Silver HMO 30/60/4650 - $4,650 deductible with 20% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is also $30. The preferred generic and non-preferred generic drug copays are $3 and $20.
Geisinger Silver HMO Extra 10/50/4500 - $4,500 deductible with 30% coinsurance. Office visit and Urgent Care copays are $50. The preferred generic and non-preferred generic drug copays are $3 and $20.
Highmark my Direct Blue EPO 7150S - $7,150 deductible with 30% coinsurance. Office visit copays are $70 and $90, with $110 Urgent Care copay. Tier 1, Tier 2, Tier 3, and Tier 4 prescription drugs subject to 15%, 25%, 35%, and 50% coinsurance respectively.
Capital BlueCross Silver PPO 5000/10/30 - $5,000 deductible with 10% coinsurance. Office visit copays are $30 and $75. The Urgent Care copay is $75. The generic, preferred brand, and non-preferred brand copays are $10, $50, and $100. The mail-order copays are $25, $125, and $250.
Geisinger Gold HMO Extra 10/50/500 - $500 deductible with 20% coinsurance. Office visit and Urgent Care copays are $50. The preferred generic and non-preferred generic drug copays are $3 and $20. The preferred and non-preferred brand drug copays are $45 and $80.
Geisinger Gold HMO 20/40/3000 - $3,000 deductible with 20% coinsurance. Office visit copays are $20 and $40. The Urgent Care copay is also $20.
Highmark my Direct Blue EPO 1000G - $1,000 deductible with 20% coinsurance. Office visit copays are $20 and $45, with $75 Urgent Care copay. Tier 1, Tier 2, Tier 3, and Tier 4 prescription drugs subject to 15%, 25%, 35%, and 50% coinsurance respectively.
Capital BlueCross Gold PPO 2000/10/20 - $2,000 deductible with 10% coinsurance. Office visit copays are $20 and $50. The Urgent Care copay is $75. The generic, preferred brand, and non-preferred brand copays are $3, $25, and $75. The mail-order copays are $8, $63, and $188.
Sample Under-65 Marketplace Monthly Rates (Dauphin County - Harrisburg Zip Code 17112)
35-Year-Old With $32,000 Household Income
$17 - Geisinger Bronze HMO 30/60/6100
$60 - Highmark my Direct Blue EPO 6950B
$92 - Highmark my Direct Blue EPO 7000B
$152 - Geisinger Gold HMO Extra 10/50/500
$191 - Geisinger Gold HMO 20/40/3000
45-Year-Old Married Couple With Two Children (4 Persons) With $80,000 Household Income
$0 - Geisinger Bronze HMO 30/60/6100
$13 - Highmark my Direct Blue EPO 6950B
$130 - Highmark my Direct Blue EPO 7000B
$353 - Geisinger Gold HMO Extra 10/50/500
$501 - Geisinger Gold HMO 20/40/3000
62-Year-Old Married Couple (2 Persons) With $60,000 Household Income
$0 - Geisinger Bronze HMO 30/60/6100
$0 - Highmark my Direct Blue EPO 6950B
$5 - Highmark my Direct Blue EPO 7000B
$119 - Geisinger Gold HMO Extra 10/50/500
$306 - Geisinger Gold HMO 20/40/3000
Least Expensive Medicare Advantage Plans In Central Pennsylvania
Many Seniors utilize "Medicare Advantage" contracts for providing their medical benefits. These types of policies are issued by private carriers that receive direct reimbursement from Medicaid to offer Parts A and B benefits. Typically, drug coverage is included, although specific copays, premiums, and out-of-pocket expenses vary. Listed below are 20 inexpensive plans (and their monthly rate) available in Lancaster County and much of the surrounding area:
$0 - Cigna HealthSpring Advantage (No Rx Coverage)
$0 - Cigna HealthSpring PreventiveCare
$0 - Geisinger Gold Essential Rx
$0 - Geisinger Gold Preferred Complete Rx
$0 - Community Blue Medicare HMO Signature
$0 - Advantra Basic Medical (No Rx Coverage)
$0 - Advantra Silver
$0 - Vibra Health Plan Essential Coverage
$0 - Humana Gold Plus H6622-035
$0 - Humana Gold Plus H6622-043
$0 - HumanaChoice H5216-116
$0 - HumanaChoice R0923-001
$0 - BlueJourney Essential
$0 - Health Partners Medical Value
$19 - AdvantraOne
$20 - UPMC For Life HMO Deductible With RX
$23 - Cigna HealthSpring Preferred
$24 - AARP Medicare Complete Choice Plan 1
$56 - Aetna Medicare Silver
NOTE: It is very important to consider many other variables (including network provider list) before selecting a plan.
Part D Prescription Drug Plans
AARP MedicareRx Preferred
AARP Medicare Rx Saver Plus
AARP Medicare Rx Walgreens
Humana Walmart Rx
Aetna Medicare Rx Select
Express Scrips Medicare-Saver
Basic Blue Rx
Medicare Supplement Coverage
Monthly rates shown below are based on popular plans for a 65-year-old female residing in Centre County (Zip code 16802), Union County (Zip code 17844), Mifflin County (Zip code 17841), Dauphin County (17112), Northumberland County (17801), Juniata County (17094), or Snyder County (Zip code 17827). Prices can slightly vary if you live in other areas.
$97 - Continental Life
$98 - Shenandoah Life
$104 - New Era Life
$104 - Transamerica
$104 - Manhattan Life
$108 - Cigna
$111 - Greek Catholic Union
$112 - AARP-UnitedHealthcare
$112 - Individual Assurance
$113 - Mutual of Omaha
$114 - Equitable
$116 - CSI Life
$123 - Central States
$127 - American Retirement Life
$129 - Companion Life
$131 - Medico
$134 - Philadelphia American
$136 - Combined Insurance
$136 - United American
$159 - Oxford Life
$165 - Gerber
$171 - Humana
$138 - AARP-UnitedHealthcare
$148 - Philadelphia American
$149 - Manhattan Life
$149 - CSI Life
$153 - Mutual of Omaha
$167 - Central States
$174 - Oxford Life
$212 - Gerber
$219 - United American
$223 - Humana
$125 - Continental Life (Aetna)
$130 - New Era Life
$132 - Cigna
$135 - Greek Catholic Union
$139 - AARP-UnitedHealthcare
$142 - Combined Insurance
$142 - Individual Assurance
$147 - Transamerica
$148 - Companion Life
$149 - CSI Life
$150 - Manhattan Life
$151 - Medico
$151 - American Retirement Life
$154 - Mutual of Omaha
$163 - Equitable
$169 - Central States
$183 - United American
$213 - Gerber
$228 - Humana
Plan F (High Deductible)
$28 - United American
$35 - New Era Life
$39 - Cigna
$44 - Medico
$46 - Mutual of Omaha
$50 - Continental Life (Aetna)
$62 - Humana
$104 - Manhattan Life
$105 - New Era Life
$105 - Shenandoah Life
$108 - Manhattan Life
$109 - Cigna
$110 - Transamerica
$114 - Greek Catholic Union
$114 - Individual Assurance
$115 - Combined Insurance
$116 - Mutual of Omaha
$117 - CSI Life
$118 - AARP-UnitedHealthcare
$119 - Equitable
$127 - Central States
$128 - American Retirement Life
$131 - Medico
$137 - Companion Life
$171 - Gerber
$80 - Continental Life (Aetna)
$83 - Manhattan Life
$84 - Shenandoah Life
$85 - Greek Catholic Union
$88 - Transamerica
$91 - American Retirement Life
$93 - Cigna
$93 - CSI Life
$93 - AARP-UnitedHealthcare
$94 - Central States
$96 - Individual Assurance
$102 - Mutual of Omaha
$103 - Medico
$103 - Equitable
$109 - Philadelphia American
$122 - Oxford Life
$122 - Combined Insurance
$130 - Humana
$136 - United American
Coverage For Your Pets
We're not kidding! Capital BlueCross works closely with PetPlan, one of the largest pet insurers in the US. Coverage is available in the Lehigh Valley and outlying areas. Policies are offered for dogs and cats and three options (Gold, Silver, and Bronze) are available. Cap BC members receive a 10% lifetime premium discount. Currently, other domesticated animals are not eligible.
The rate is based on a combination of factors, including the age and breed of your pet, and where you live. A Dalmatian, for example, will cost about 20% more than a poodle or golden retriever, but won't be as expensive as a pit bull. If you move, your policy does transfer with you, although your rate may change. For example, Allegheny rates are about 15% lower, while rates in the Eastern portion of the state are generally lower.
Bronze benefits (the most popular option) typically include coverage for veterinary exams, surgery, medications, diagnostic and cancer treatment, dental, behavioral, MRI, cat scans, and ultrasounds. The upgraded Silver and Gold plans may offer boarding fees, coverage from death/illness, and help with advertising and rewards for a lost pet.