Pennsylvania Aetna HMO (Health Maintenance Organization) plans provide some of the most comprehensive health care coverage available to Pennsylvania residents. As Pennsylvania's leading trusted source for HMO coverage, we specialize in finding the policies that fit within your budget and offer the coverage you want.
Individuals who join an Aetna HMO are considered its members. When you join a Pennsylvania HMO, a primary care physician is selected from a large Network list. Your physician will coordinate all of your medical care. There are no claim forms when you visit a network provider and no waiting period for routine physical exams.
Aetna’s “HMO 30” is one of the most popular, yet affordable health insurance plans in Pennsylvania. Since there is no major medical deductible to meet, out-of-pocket expenses tend to be lower when compared to a typical PPO plan. Also, lifetime benefits are unlimited instead of the more common $1-5 million cap. Covered office visits are subject to low $30 copay while specialist visits are subject to a $50 copay. There is no limit to the number of covered office visits that an individual or family can use.
Preventive coverage is also included and actually emphasized in the Pennsylvania Aetna HMO plans. Routine physicals are subject to a copay $30 while annual routine GYN exams, paps and mammograms are subject to a $40 copay. Typically, you do not have to meet a deductible to use the preventive services.
Lab tests and X-Rays are also covered by a low $50 copay. And although home health care and outpatient therapy are not commonly used, they are covered by copays and are not subject to a deductible. After a $500 deductible, prescriptions are covered by copays of either $15, $40 or $60. For many generic versions, you may be able to pay a lower amount at retail pharmacies such as Wal-Mart or Giant Eagle.
Hospital visits (including maternity) are not subject to a deductible. Instead, a $600 copay per day is charged (maximum of five days of copays). Aetna’s Pennsylvania HMO plans also offer alternative copay charges to reduce the premium. Outpatient surgery is subject to just a $550 copay and the emergency room copay is just $250.
Pahealthinsurance.com is the premier resource for affordable Pennsylvania health insurance plans. To instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
Pennsylvania Aetna HMO 30 Health Insurance Plan Details
Cheap Pennsylvania health insurance plans are offered by many of the major health insurance companies. Low cost coverage is available through UnitedHealthcare, Aetna, HealthAmerica, Highmark and Keystone. Many of these cheap policies offer coverages that are often found in other comprehensive and more expensive plans.
Six of the most popular low cost Pennsylvania health insurance plans are:
UnitedHealthOne “Saver 80” plan: UHC’s least expensive plan features $3 million of lifetime catastrophic coverage for each insured in the family. Although office visits are not covered, there is some nominal coverage for prescriptions and preventative care. Premiums are indeed cheap…easily one of the lowest-cost Pennsylvania health insurance plans. Deductible options range from $500 to $10,000.
Aetna “Preventive & Hospital Care” plan: A cheap catastrophic plan that offers a $3,000 deductible option. The $1 million per insured lifetime benefit is rather low compared to other Pennsylvania health insurance plans, but adequate for short-term and medium-term needs. Most preventive benefits are NOT subject to a deductible, which is a major plus for this type of plan. Aetna Pennsylvania health insurance rates are always quite competitive.
HeathAmerica's "HealthGear" plan: A typical major medical health care plan with a twist. Some preventive benefits are not subject to a deductible, including gynecological exams, adult and well child visits, and routine mammograms. Additional office visit and prescription coverages are included but subject to a deductible. In Western Pennsylvania, this plan actually costs less than the "Saver 80" plan.
Celtic “Basic” plan: Based in Chicago, Celtic Insurance Company’s low-cost “Basic” plan allows two office visits per person (subject to$30 copay). Adult and children preventive benefits allow $200 of coverage although there is a pesky 12-month waiting period. Prescription benefits cover generic drugs, preferred brand drugs and brand drugs with a generic substitute. However, a $1,000 deductible applies to the RX coverage. The lifetime maximum is $5 million.
UnitedHealthOne “Copay Saver” plan: With UHC’s recent rate reductions in Pennsylvania, this plan is not only cheap…but it includes some coverages you normally don’t find in less expensive plans. For example, two office visits are covered (subject to a $35 copay) along with a generic prescription copay of $15. Some adult and preventative coverage is included subject to a three-month waiting period. In many parts of Pennsylvania, “Copay Saver” rates are less than some catastrophic plans.
Highmark Blue Cross Blue Shield “PPO Blue” plan: A deductible applies on most coverage except preventative benefits. But once the deductible has been met, most benefits are payable at 90%, including office visits, diagnostic services, prescriptions, inpatient hospital services and emergency care. Immunizations, routine annual physical exams, pap smears and mammographic screenings are not subject to the deductible. Individual deductible options range from $1,200 to $3,500 and lifetime benefits are a generous $5 million. This plan is only available to residents of the 29 counties of Western Pennsylvania.
Cheap Pennsylvania health insurance plans are indeed available. To instantly view, compare or apply for coverage, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company. You can also speak to a live person by calling us at (888) 513 6446.
Affordable Pittsburgh health insurance plans are available through Pennsylvania's major companies, such as Highmark Blue Cross Blue Shield, Aetna, HealthAmerica, UnitedHealthOne and Golden Rule. As the state's premier resource for quality Pittsburgh health insurance plans, we guarantee you will receive the lowest allowable rate and will never pay any fees. We make it easy to compare quotes from the top health care companies in Western Pennsylvania.
Other available Pittsburgh plans are available through Assurant, Celtic and a handful of other smaller companies. Highmark Blue Cross Blue Shield serves the 29 counties of Western Pennsylvania, including the Pittsburgh area. The individual/family plans offered by Highmark are CompleteCare, DirectBlue, PreferredBlue and PPOBlue. Rates and coverages vary, so we carefully determine which of the Highmark plans (if any) would be the perfect fit for you.
The Highmark DirectBlue and PPOBlue plans offer comprehensive coverages including preventive care services, prescription coverages and complete access to the Highmark Blue Cross Blue Shield doctor and hospital network. Office visits, inpatient hospital services, diagnostic services and maternity care are just a few of the additional benefits of each plan. Current DirectBlue and PPOBlue rates can be found at the bottom of this page.
Two of the nation’s largest health insurers, Aetna and UnitedHealthOne, also offer extremely competitive rates in Pittsburgh and Western Pennsylvania. Aetna’s HMO plans offer comprehensive coverage with low out-of-pocket expenses. Maternity benefits are included with no waiting period. Another popular Aetna plan is the “Preventative & Hospital Care policy, which features low premiums with a combination of catastrophic and preventive coverages. Aetna's PPO copay policies are also some of the most popular Pittsburgh health insurance plans. Most office visits and prescriptions are covered with just a small copay.
UnitedHealthOne's “Copay Select” plan provides unlimited covered office visits, without having to meet a deductible. Deductible options of $1,000 to $7,500 allow the consumer to mold the premium around their budget. Comprehensive prescription and preventive coverages are also included. The "Saver 80" is a low-cost catastrophic plan that provides coverage for major medical claims with a wide range of deductible options.
HealthAmerica, subsidiary of Coventry, also has a large selection of Pennsylvania health insurance plans. High deductible plans and Health Savings Accounts (HSAs) provide Pa residents with low premium options. Once the deductible is met, medical expenses are generally covered at 90% (with a cap) or 100%. Preventive benefits are generally not subject to a deductible and rates in the Pittsburgh area are always extremely competitive. Aetna and UnitedHealthOne also offer competitive Pittsburgh HSA rates.
To instantly view and compare Pittsburgh health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your personal information will not be shared or given to any other person or company. Or...call us at (888) 513 6446 and we'll be happy to review your options. If you apply for a Highmark Blue Cross Blue Shield plan,we will need to fax or email an application.
Highmark Individual & Family Blue Cross Blue Shield Rates
Who are the major Pennsylvania health insurance companies?
Aetna, United HealthCare, Blue Cross, 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.
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.
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, Blue Cross 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.
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 Pennsylvania Department of Insurance regulates rates. No other website or company can legally quote a lower rate.
How many brokers are going to call me after I submit my information?
Probably none! Generally, I do not call website visitors unless requested. Also, I never share your information with any other person, company or website. Many other websites will sell your personal information, resulting in multiple calls and emails from out-of-state brokers and agents.
Can I buy a customized Pennsylvania health insurance policy?
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.
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 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. 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 instantly view, compare and apply for high quality health plans from the top Pennsylvania companies, please click on the “Get Instant Quote” button at the top of the page. Your information will never be shared with any other person or company. You can also talk with us by calling (888) 513 6446.
Affordable low-cost Pennsylvania family health insurance plans are offered by many major carriers such as United Healthcare, Aetna, Independence Blue Cross, Highmark Blue Cross Blue Shield and HealthAmerica. Family plans typically feature comprehensive benefits such as copays on covered office visits and prescriptions, preventative and wellness coverage, and high lifetime limits on catastrophic claims.
Some of the most popular, yet competitively priced Pennsylvania family health insurance plans are Aetna’s PPO 5000 and 2500 plans, United HealthCare’s Copy Select and Copay Saver plans and the Highmark Blue Cross Blue Shield DirectBlue plan.
Aetna’s PPO 2500 plan features a $30 copay for covered office visits ($40 for specialists). Generic prescriptions are subject to a $15 copay while copays on non-generic prescriptions are subject to higher copays ($35-$50) and a $500 deductible. Unlike many stripped-down Pennsylvania plans, there is no limit to the number of covered office visits.
This Aetna family health plan includes comprehensive preventative coverages that are not subject to policy deductibles. The lifetime maximum per insured is $5 million and the major medical deductible is $2500 (office visits and prescriptions are not subject to the deductible). A PPO 5000 plan is also available with significantly lower premiums. Copays and deductibles, however, are higher.
United HealthCare’s Copay policies are the most comprehensive family Pennsylvania health plans in their portfolio. There is no limit on the number of covered office visits ($35 copay) and prescription coverage is very good ($15 generic copay and higher copays on non-generic). United HealthCare offers dozens of riders including increased prescription and maternity coverages.
Lifetime maximums of $3 million can be increased for only $7 per month extra. Rates on this particular plan seem to be more competitive in Eastern Pennsylvania. Preventative coverage is very comprehensive, but is subject to a 90-day waiting period.
The Pennsylvania Highmark Blue Blue Shield DirectBlue plan (available in the 29 Western Pa counties) features preventive benefits (routine physical, mammogram, gynecological exam, pap test and pediatric immunization) that are not subject to a deductible. Most other coverages are paid at 90% after the selected deductible has been met. Some of these coverages include office visits, hospital facility expenses (including maternity), medical/surgical expenses and diagnostic services. The lifetime maximum is $5 million ($1 million in any one year).
These Aetna, United HealthCare and Highmark Blue Cross Blue Shield policies are just three examples of hundreds of available Pennsylvania family health insurance plans. If you would like to instantly view, compare or apply for the highest quality plans in Pa, please click on the “Get Instant Quote” button at the top of this page. Your personal information is never shared with any other person or company. Also, since rates are mandated by the state, your rate is guaranteed to be the lowest allowable by the state.
You can also call us at (888) 513 6446 and speak to a live person.
You can reduce your Pennsylvania health insurance rate. Naturally, changing your coverage to a different company may substantially reduce your premium. But the process could take 4-6 weeks and you may not want to change companies. In fact, because of health reasons, you may not be able to change policies at this time.
But for an immediate reduction in your health insurance rates, consider these recommendations:
· Increase your major medical deductible. With many plans, the deductible does not apply to office visits and prescriptions. So, for example, you may save up to $2,000 per year on a family plan by increasing the deductible from $1,000 to $3,000.
· Take advantage of your preventative benefits. Often, physicals, OBGYN visits, Paps and mammograms are provided at little or no out-of-pocket cost on your policy. By utilizing this provision, it may save you thousands of dollars of future medical expenses.
· Eliminate unneeded coverages. Maternity benefits are extremely expensive, so if this coverage is not needed, ask your health insurer to remove it from your policy. If office visit coverage is not used or needed, eliminate that coverage or request to change to a more appropriate policy offered by your Pennsylvania health company.
· Raise copays on office visits. By raising your copay (if allowed) from $15 to $40, you could save hundreds of dollars each year.
· Raise copays and/or deductibles on non-generic prescription coverage (if you currently do not take any prescriptions). Although your out-of-pocket exposure will increase, in most situations, you will save money. Many Pennsylvania health insurance plans allow you to change your prescription coverages.
While many of these changes can reduce your health insurance rate, it is most important that you strongly consider the impact of each change before implementing them. In some instances, it may be advisable not to make these changes to your health insurance policy.Pahealthinsurancecoverage.com is the premier resource for Pennsylvania health insurance plans. Please feel free to contact us if you have any questions regarding Pennsylvania health insurance coverage.
If you would like to instantly view, compare and apply for high quality Pa plans, please click on the “Get Instant Quote” button at the top of the page. Your personal information will never be shared with any other person or company.
Aetna offers many affordable low-cost Pennsylvania health insurance plans. As one of the biggest US insurers, Aetna’s health plans feature high quality coverages coupled with cost-saving features, including “non-smoking” and “preferred” discounts.
One of Aetna’s most affordable Pennsylvania plans is the “Preventative And Hospital Care” policy. This low cost plan features $1 million of catastrophic coverage along with comprehensive preventative coverages. Routine physicals, annual routine Gyn exams, paps and mammograms are all covered without having to meet the deductible.
Another low cost Aetna Pennsylvania health plan is the “PPO 5000” plan. Covered office visits are not subject to a deductible and extensive preventative coverage is included. Comprehensive prescription coverage is included with no deductible applied to generic prescriptions and $5 million of lifetime policy coverage is included (per person). This particular policy is Aetna’s most affordable Pennsylvania copay plan.
If affordable maternity coverage is needed, Aetna’s “HMO 30” plan includes low-cost maternity benefits that are rich in coverage. There are no deductibles to meet and out-of-pocket expenses tend to be substantially less than a typical PPO policy.
Aetna Pennsylvania health insurance plans are not necessarily the perfect fit for all situations. As an experienced broker, I’ll thoroughly research Aetna, along with all of the major health insurers, to insure you’re offered the best option for your specific situation.
To instantly view, compare and apply for affordable Pennsylvania health insurance, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never given or sold to any other third party.
Pa health insurance quotes provided by this website are the guaranteed lowest allowable rate by law. As the premier resource for affordable individual and family Pa health insurance quotes, we research all of the major health companies, including Aetna, United HealthOne, HealthAmerica, Highmark, Keystone and Blue Cross. We provide online Pa quotes along with faxed or hard-copy quotes, detailing specific coverages and options. We’ll show you the best individual, family or self-employed Pa health insurance plan available in the state.
When you view your quotes, instantly, you can review, compare and apply online for high quality Pa coverage. No “discount” plans are ever used and we carefully research every Pennsylvania company to insure your getting the most coverage for your premium. If we feel a company’s coverages do not warrant the premium they are charging, we will remove that company from our quoting software. We will also remove any company that has a history of contesting an usually high number of claims.We work for you...the client, and never charge any fees.
Our service is always free, and unlike many online health insurance quote services, we never sell or give your information to any person or company. And since rates are mandated by the state, we guarantee that you will always receive the lowest rate allowed by the Pennsylvania Department of Insurance. As health reform changes start to appear between now and 2014, we'll make certain that you know what these changes are and how they can help you.
For an instant Pa health insurance quote, please click on the “Get Instant Quote” button at the top of the page. Within minutes, you'll be able to view the best available Pennsylvania health plans. If you would like to speak to a live person, please call us at (888) 513 6446.
Affordable Allentown health insurance rates are available from most Pennsylvania health insurance companies. Aetna, United HealthCare, HealthAmerica and Blue Cross are some of the major health insurance carriers that offer high quality coverage at competitive rates. Whether you are self employed, unemployed, an individual or a family, the rates we quote are guaranteed to be the lowest allowable by the state. And we base our recommendations on your specific situation.
Normally, rates in Lehigh County tend to be lower than other neighboring Pennsylvania counties such as Berks, Montgomery and Bucks counties. Possible reasons are the lower cost of office visits (both primary care and specialist), lower hospital daily room charges and lower malpractice insurance rates for doctors and surgeons.
For example, for a 40-year-old healthy male, catastrophic coverage would cost approximately $55-$75 per month (UnitedHealthcare Saver 80 plan). A comprehensive policy would increase the monthly premium to approximately $105-$160. Allentown Health Savings Accounts (HSAs) currently cost approximately $105-$130 per month.Pennsylvania HSAs are a great option to consider if you have relatively few claims and are mainly concerned with preventive and catastrophic benefits.
Although many factors can influence Allentown health insurance rates, such as health conditions, age, and smoking status, rates should remain fairly stable for the next 6-9 months. Pending health insurance reform could possibly result in substantial rate increases for children. Otherwise, rates will remain fairly low until 2014, when most of the health reform changes become effective.
Pahealthinsurancecoverage.com is the premier resource for affordable Allentown health insurance plans. To instantly view, compare or apply for high quality health care, please click on the “Get Instant Quote” button at the top of the page. Your information is never sold or given to any other company or website.
