Pennsylvania HealthAmerica health insurance rates are extremely competitive in most parts of the state. And although high deductible plans are the most popular HealthAmerica policy, one particular comprehensive plan stands out. The Copay 100% plan has lower out-of-pocket costs than almost every other available Pennsylvania plan.
Primary care office visits feature low $20 or $25 copays ($40 or $50 for specialists). Unlike “Value” plans, there is no limit to the number of covered office visits during the year. Prescription copays are $15 (Generic), $35 (Non-Generic) and $60 (Non-Formulary). A low $100 ($300 family) applies and there is no cap on the amount of benefits paid. Of course, mail order can be utilized.
Perhaps the most attractive feature about the HealthAmerica Copay 100% plan is the lack of a deductible or coinsurance on Network major medical claims. The only listed out-of-pocket expense is a $350 or $500 per day hospital care charge for the first five days, a $200 copay for outpatient surgery and a $200 copay for an MRI, CAT or Ultrasound. The lifetime maximum benefit is unlimited. Lab services are 100% covered while x-rays are subject to a $40 deductible.
Preventative coverage is included with no out of pocket costs or waiting period. Some of the included Pennsylvania HealthAmerica preventative coverages include gynecological exams, adult physicals, routine mammograms, well-child visits and routine pediatric immunizations.
The Choice 1 PPO plan is a less expensive option than the Copay 100% plan. However, visits to a specialist will be subject to the deductible instead of a copay (although a negotiated discount will help). Non-generic presriptions also have a higher cost, but the total policy savings does make it worth considering.
Most of the HealthAmerica Pennsylvania health insurance plans are ideal for individuals, families,the self employed, uninsured, students or anybody on COBRA. Plans can be specifically molded to meet almost any person's personal budget and coverage needs.
HealthAmerica is one of many large reputable Pennsylvania health insurance companies including United Healthcare, Highmark Blue Cross Blue Shield, Capital Blue Cross, Independence Blue Cross and Aetna. The Copay 100% plan is not the right fit for all situations, but should be considered when comprehensive coverage with low out-of-pocket costs is a priority.
To compare Pa HealthAmerica options, we have provided a free quote section on the top of the page. You'll be able to compare HealthAmerica plans along with other reputable carriers and apply for a policy.