Pennsylvania HealthAmerica health insurance rates are usually competitive in most parts of the state. And although their high deductible plans are the most popular, a 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 copay ($40 for specialists). Unlike some “Value” plans, there is no limit to the number of covered office visits during the year. Prescription copays are $15 (Generic), $25 (Non-Generic) and $50 (Non-Formulary). A low $100 ($300 family) applies.

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 $200 per day hospital care charge for the first five days while the lifetime maximum benefit is a generous $5 million. Lab services are 100% covered while x-rays are subject to a $40 deductible.

Preventative coverage is included with very low (or no) out of pocket costs. Some of the included Pennsylvania HealthAmerica preventative coverages include gynecological exams, adult physicals, routine mammograms, well-child visits and routine pediatric immunizations.

HealthAmerica is one of many large reputable Pennsylvania health insurance companies including United HealthCare, 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.

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