Who are the major Pennsylvania health insurance companies?

Aetna, United HealthCare, Independence Blue Cross, Keystone, Capital Blue Cross, Highmark, Geisinger and HealthAmerica offer the most competitive rates in Pennsylvania. Occasionally, Humana, Assurant or Celtic have plans that should be considered.

What is “catastrophic” health coverage and should I consider it?

“Catastrophic” health insurance plans are designed to cover major medical expenses, such as inpatient and outpatient hospital visits, surgical expenses and emergency room charges. Pennsylvania Premiums are fairly low, but office visits and prescriptions are generally not covered. For healthy individuals and families, this type of coverage can potentially save a substantial amount of premiums, and is worth considering, especially since preventive coverage is provided with no waiting period.

What if I only need coverage for a few months?

A Pennsylvania “short-term” policy could be your best option. Premiums are substantially lower than comprehensive policies and you may select the number of months you would like to be insured. Applications are brief and are often approved within 24 hours. At any time you can cancel your policy. UnitedHealthcare and Celtic offer excellent options. 

What is a PPO?

A PPO is a “preferred provider organization” that negotiates lower rates with groups of hospitals, doctors and other health care providers. Membership in the PPO allows a substantial discount below their regularly charged rates. Most Pennsylvania health insurance companies offer PPO policies, and they are the most popular type of coverage.

  What is an HMO?

A health maintenance organization (HMO) is a type of managed care organization that provides health care coverage in the US. Unlike traditional health coverage, an HMO sets guidelines under which doctors, specialists and other providers can operate. A typical HMO plan offers comprehensive health services with low copays and no deductibles or co-insurance. Coverage is restricted to “in-network” only. In Pennsylvania, Keystone and Aetna offer very competitive HMO rates.

Will my pre-existing condition be covered?

That depends on the type of condition and the health insurer you are applying with. Many pre-existing conditions are covered by Pennsylvania health companies. Blue Cross, Aetna and HealthAmerica are more likely to cover certain conditions than other companies. Sometimes, an existing condition will be covered, although rates may increase to pay for expenses paid by the insurer. If it is an extremely serious condition, such as heart disease, a "guarantee issue" policy should be considered.

How much do I have to pay to use this Web service?

There is no cost for our services and we have never charged any fees or expenses. We can also guarantee that you will receive the lowest allowable premium in Pennsylvania since the Department of Insurance regulates rates. No other website or company can legally quote a lower rate.

Yes. Once we have determined the type of coverage you want, we can create a personalized plan that features the deductibles, copays and premium that you want. We’ll make sure that your doctors are Network-approved and the company is highly-rated.