Pennsylvania BlueCare Direct Advantage health insurance coverage is offered through Pennsylvania’s top choice for affordable health insurance…Pahealthinsurancecoverage.com. This plan is issued through Blue Cross of Northeastern Pennsylvania, and is ideal if you are self-employed, retired, just out of college or without health care benefits.
BlueCare Direct Advantage is a qualified high-deductible health plan that provides benefits often not covered under other individual/family plans such as preventative health services, maternity and wellness programs. And because it is considered a high-deductible health plan (HDHP), you can combine a Pennsylvania Health Savings Account (HSA) with the policy. An HSA is a private savings account that allows you to pay for existing health care expenses and save for future qualified health care expenses on a tax-free basis.
The preventative care coverage is quite extensive and is not subject to deductibles OR copays. Adult (medically necessary) and childhood immunizations are included along with routine gynecological examinations. Popular preventive services such as mammograms, colorectal and prostrate screenings and pap tests are also covered at 100%. There are also a few lab tests that may be considered "preventive."
The Pennsylvania BlueCare Direct Advantage health insurance plan also offers non-preventative office visit and prescription coverage, but they are subject to a deductible. Once the deductible has been met, 80% of the cost of office visits is paid by the policy. Prescriptions are subject to copays ranging from $0 to $65, depending on the “tier” classification. By purchasing prescriptions through mail order, the out-of-pocket cost will be less. And there are no lifetime caps on the presription benefits. Also, mental health, substance abuse and nutritional counseling benefits are provided.
The policy features unlimited lifetime benefits, which is standard on most health care plans. The three available deductible options are $1,750 and $3,000 and $5,000. A traditional 20% coinsurance applies after the deductible. Once the deductible and coinsurance are met, covered benefits are payable at 100%. This is a nice money-saver compared to some of the 30% plans. Optional 10% and 0% coinsurance is also offered.
Premiums are quite affordable compared to other Blue Cross plans. As an example, for a healthy 34 year-old male choosing the higher deductible option, the monthly premium is only $74. The rate for a healthy 44 year-old male is only $98. Female rates are higher for ages under 55. If you do not qualify for the rate for which you apply, you may be eligible for coverage at a higher rate.
To apply for coverage, please call us at (888) 513 6446, email us at service@pahealthinsurancecoverage.com or fax the application to (888) 513 6446 (Attn: Ed Harris). Pahealthinsurancecoverage.com is the premier resource for affordable Pennsylvania health insurance.
BlueCare Direct Advantage Application
Upon completion...Please fax application to (888) 513 6446
Pennsylvania Aetna HMO (Health Maintenance Organization) plans provide some of the most comprehensive health care coverage available to Pennsylvania residents. As the state's leading trusted source for HMO coverage, we specialize in finding the policies that fit within your budget and offer the coverage you want. Aetna is one of the nation's largest health care providers and features a large Network of doctors, hospitals and health care facilities. Their rates are typically very competitive throughout most of the state.
Individuals who join an Aetna HMO are considered its members. When you join a Pennsylvania HMO, a primary care physician (PCP) 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 or most preventive services.
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. 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. There is also no lifetime maximum cap.
Preventive coverage is also included and actually emphasized in the Pennsylvania Aetna HMO plans. Routine physicals are subject to no copay while annual routine GYN exams, paps and mammograms are covered at 100%. Typically, you do not have to meet a deductible to use the stated preventive services. Changes to US health care plans in 2010 and 2011 provided extra benefits to this policy.
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 only a $550 copay and the emergency room copay is just $250. If maternity coverage is important, then Aetna and Blue Cross plans shoulsd always be considered.
We realize that it's sometimes not easy to fully understand all of the specifics of a health care plan. We'll be happy to take the time to review the coverages and determine if this plan is best for you. If it isn't, we'll consider hundreds of other plans from the top companies and together, we'll compare your best choices.
Pahealthinsurance.com will provide all the tools you need (along with personal service) to easily view benefits and apply for coverage. Call or email us any time for additional information on the Aetna HMO policy.Aetna Pennsylvania HMO 30 Details
To apply for coverage via email or fax, simply click on the application link and print. Upon completion, please fax to (888) 513 6446.
Cheap Pennsylvania health insurance plans are offered by many of the large health insurance companies. Low cost coverage is often provided through UnitedHealthcare, Aetna, HealthAmerica, Highmark, Celtic, Geisinger, Capital Blue Cross and Keystone. Many of these cheap policies offer coverages that are often found in other comprehensive and more expensive plans.
Five of the most popular low cost Pennsylvania health insurance plans are:
UnitedHealthOne “Saver 80” plan: UHC’s least expensive plan features unlimited lifetime catastrophic coverage for each insured in the family. Although office visits are not covered, there is some nominal coverage for prescriptions. Premiums are indeed cheap…easily one of the lowest-cost Pennsylvania health insurance plans. Deductible options range from $500 to $10,000. Preventive care is covered at 100%. Dental and vision discounts are included. The most popular deductible options are $2,500 and $5,000.
Aetna “Preventive & Hospital Care” plan: A cheap catastrophic plan that offers a $3,000 deductible option. The $1 million per insured lifetime benefit has recently been increased to "unlimited." Covered 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. Issue dates are on the 1st and 15th of the month. Like most low cost plans, prescription coverage is very limited. Thispolicy is a great starter plan if you are currently uninsured.
HeathAmerica's "Rewards" 5000 plan: A fairly popular policy for insureds that want a high deductible ($5,000) but still want decent benefits after the deductible has been met. And that's what this policy provides. A $40 copay for office visits ($60 for specialists) is provided after the deductible. Generic AND brand RX benefits are included with $15 and $50 copays.
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 are covered with no 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 of $5 million has also been raised to "unlimited."
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 unlimited. This plan, however, is only available to residents of the 29 counties of Western Pennsylvania.
See? We told you inexpensive Pennsylvania health insurance plans are indeed available. Request a quote for additional information.
You can also email us by using the "contact us" link on the right hand side near the top of the page. We'll promptly reply to your request.
Affordable Pittsburgh health insurance plans are available through Pennsylvania's major companies, such as Highmark Blue Cross Blue Shield, Aetna, HealthAmerica, and UnitedHealthOne ( 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 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 AdvanceBlue, 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 networks. 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. The AdvanceBlue is a newer plan that provides a copay on office visits that the other two pans don't offer.
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 $10,000 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. Preventive benefits (100% coverage with no out-of-pocket expense) is also covered under this plan.
HealthAmerica, subsidiary of Coventry, 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 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 compare Pittsburgh health insurance plans, please provide your zip code at the top of the page, or you can get an "instant quote." You can also 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 Blue Cross Blue Shield Plan Information
To apply for a policy, please click on the "Download Now" link and download the application from the link. You can fax completed application to (888) 513 6446.
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.
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 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.
Affordable low cost Pennsylvania family health insurance plans are offered by many major carriers such as United Healthcare, Aetna, Independence Blue Cross, Keystone, Highmark Blue Cross Blue Shield, Capital Bluee Cross, Geisinger, Celtic and HealthAmerica. Family plans typically feature comprehensive benefits such as copays on covered office visits and prescriptions, preventative and wellness coverage, and unlimited lifetime limits on catastrophic claims. These policies are specifically designed for families with children.
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 plan 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. And specialist visits are covered.
This Aetna family health plan includes comprehensive preventative coverages that are not subject to policy deductibles. The lifetime maximum per insured is unlimited 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. This plan is very popular for families that would like to reduce premiums but still maintain a copay on most items. A "Value" plan is also available that features lower rates but also limits the number of covered office visits (per person).
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 enhanced accidental death benefits. A "reducing deductible" feature slowly lowers the deductible after the first year if the deductible is not met.
Lifetime maximums are unlimited and rates seem to be more competitive in Eastern Pennsylvania. Preventative coverage is very comprehensive and not subject to any waiting period or deductible.
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 also not subject to a deductible or waiting period. 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 unlimited. The Highmark AdvancedBlue plan does not require a deductible to be met for most office visits.
HealthAmerica's Copay and Choice1 PPO plans have become much more popular in the last three years. Rates are very atractive in most parts of the state and their $1,250 deductible optionis a great "buy."
These Aetna, United HealthCare, HealthAmerica 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 compare or apply for the highest quality plans in Pa, please use the "Quote" area at the top of this page. Your rates are mandated by the state, so the premium will be the lowest allowable by each insurer.
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, or perhaps $5,000.
· Take advantage of your preventative benefits. Because of recent health care reform, physicals, OBGYN visits, Paps and mammograms are often 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. Even if you have four or five visits, you should still come out ahead.
· 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. However, it is important to keep in mind the potential costs. We'll be happy to discuss those with you.
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 this 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. Another important feature is the large Network of physicians and hospitals, which allows its policyholders t choose from thousands of providers. Whether you reside in Reading, Dillsburg or Mt. Lebanon, you'll easily find a provider in the Network.
One of Aetna’s most affordable Pennsylvania plans is the “Preventative And Hospital Care” policy. This low cost policy features extensive 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. Many other preventive benefits are also included with no waiting period. The deductible is $3,000 and it is one of the most inexpensive medical insurance plans in Pennsylvania.
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 also included with no deductible applied to generic prescriptions and there is no lifetime cap on benefits paid on this plan, or any other Aetna plan. This particular policy is Aetna’s most affordable Pennsylvania copay option.
If affordable maternity coverage is needed, Aetna’s “HMO 30” plan includes low-cost maternity benefits that provide needed delivery and pre-delivery coverage. There are no deductibles to meet and out-of-pocket expenses tend to be substantially less than a typical PPO policy. Once again, preventive benefits are included without having to meet a deductible or a waiting period.
Health Savings Accounts are typically moderately priced. Deductibles are "per person" (maximum of two per family) and coverage is paid at 100% after the deductible is met. Network repricing discounts will lower out-of-pocket costs on any covered expense that is subject to a deductible. The most popular deductible options are $3,000 and $5,000.
Aetna Pennsylvania health insurance plans are not necessarily the perfect fit for all situations. As an experienced authority, we thoroughly research all major carriers, to insure you’re offered the best option for your specific situation. There are dozens of private medical plan options so we'll help you compare the policies that are most likely to help you most.
Aetna quotes on this website are of course free and based on the lowest rates that are offered. We're confident you'll find affordable coverage at a great rate.
Pa health insurance quotes provided by this website are the lowest allowable rate by each company. As the premier resource for affordable individual and family Pa health insurance quotes, we research all of the major health companies to bring you quality coverage that you can count on. We provide free online quotes along with faxed, phone or hard-copy quotes, detailing specific coverages and options. We’ll provide a customized proposal of the best individual, family or self-employed health insurance plans available in Pennsylvania.
When you view your quotes, you can compare and apply online for high quality Pa coverage. No “discount” plans are ever used and we carefully check every Pennsylvania company to insure you are 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.
Many factors can affect the rate you pay for your coverage. Age, height and weight, zip code and health conditions will ultimately play a role in determining the premium that you pay. One of our jobs is to find the policies that are the "best fit" for your unique situation. For example, if you have high blood pressure that is controlled by medication, we'll avoid carriers that want to substantially increase your rate for that condition.
Our service is always free, and we try our best to edit and add content every few days. And since rates are mandated by the state, 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. Of course, if Obamacare is altered or repealed, we'll keep you up to date on what changes (if any) you should make. National elections can always impact health care issues.
For an instant Pa health insurance quote, please click on the “Get Instant Quote” button at the top of this 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. We're never too busy to talk to you!
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