Highmark Blue Shield health insurance plans are available through our website at the lowest available rates for residents in the 21 counties of Central Pennsylvania and the Lehigh Valley. Easily compare affordable individual and family policies and apply for quality Highmark Blue Shield coverage.
Four low cost plans are available. They are Simply Blue, PPO Blue, Advance Blue and Direct Blue. Each plan offers 100% preventive benefits, unlimited major medical coverage with no lifetime maximums, and access to the Highmark Network, one of the largest of its kind in Pennsylvania.
Highmark Simply Blue is the newest of the plans and was just introduced in 2012. Primary care office visits are covered with a $35 copay (Specialists and Urgent Care at $50) without having to satisfy a deductible. All preventive visits including annual physicals and preventive-related prescriptions are covered a 100% and basic diagnostic services have only a $25 copay.
Many prescriptions (Formulary) are covered with an $8 copay on generic and $45 copay on brand. Additional specifics can be found in the brochure we attached below the article. Naturally, non-generic RX will have higher out of pocket costs to you. Emergency room visits must meet a $150 copay, which is comparable to most other Pennsylvania health insurance plans.
The two individual deductible options are $500 and $750 ($1,000 and $1,500 for a family). The maximum additional out of pocket cost is $4,000 for an individual policy and $8,000 for a family, which includes the most common coinsurance of 20%. Other benefits include a bi-annual eye exam for all covered applicants, chiropractor coverage and home health or skilled nursing facility coverage.
Rates can be viewed at the bottom of the page.
Highmark PPO Blue HDHP is an HSA-eligible plan that features very affordable premiums. Individual Deductible options are $1,200, $2,600 and $3,500. The family deductible options are two times the individual deductible and of course would only apply if there are two or more persons that are insured. Coinsurance after the deductible is only 10% instead of 20% on other Highmark plans.
Since the PPO Blue is a “High Deductible” plan, the deductible must be met before any non-preventive benefits are paid. However, a discount on prescriptions and the bi-annual eye exam are included. A Health Savings Account can be set up with a bank of your choice so that you can tax-deduct qualified health care, dental and vision costs.
Highmark Advance Blue features very affordable out of pocket costs. Primary care physician and specialist visits are subject to low copays of $20 and $30. Basic diagnostic services receive a low $20 copay while all preventive services are covered at 100% (as are all four Highmark plans). Prescription is fairly similar to the Simply Blue plan with some minor differences.
This plan features the identical deductible options as the PPO Blue HDHP plan although it is not an HSA-eligible plan. It is also one of Highmark’s newest plans and has become a very popular family plan.
Highmark Direct Blue offers some of the lowest-deductible plan options in Central Pennsylvania. An individual $250 or $500 ($750 and $1,500 Family deductible) deductible are the two choices. So if you have a major claim, your coverage will begin much quicker with this policy than most other medical insurance plans in Pennsylvania. The individual out of pocket (after the deductible) is also only $1,500 per person (maximum three per family).
Prescription benefits are fairly similar to the other Highmark Blue Shield plans with the exception of the $100 deductible. Preventive benefits, vision coverage and most other major medical coverages are the same as the other three plans.
So…which one is best for you? Of course, there is no right answer, but generally, if you like a copay plan, the Advance Blue plan may be your best choice. If you like Health savings Accounts, the PPO Blue HDHP is the best choice. If you’re not sure…call or contact us and we’ll help you decide which policy fits your needs the best.
Highmark Blue Shield Simply Blue Information
Highmark Blue Shield Pennsylvania Plan Comparisons
Highmark Blue Shield Pennsylvania Application For Coverage
Highmark Advance Blue individual health insurance is now available in Western Pennsylvania. The Advance Blue plan is a comprehensive policy that offers comprehensive coverages at an affordable rate for both individuals and families. Covered benefits include coverage that is often found in expensive group plans. However, premiums are very low on this particular plan.
We like this plan because you do not have to meet the deductible to use the office visit and prescription benefits. The Highmark DirectBlue and PPOBlue policies place a deductible on those two coverages. Compared to many other available plans in Pennsylvania, the Advance Blue policy can potentially reduce your total out of pocket cash outlay.
Benefits
Primary care office visit expenses are covered with a low $20 copay while visits to a specialist require only a $30 copay. You do not have to meet the deductible to utilize this benefit. Also, there is no limit on the number of covered office visits per calendar year. We especially like this feature because if you are stricken with a serious illness or injury, there may be a need to visit a specialist quite frequently. And of couse, specialist charges can be quite expensive.
Preventive care expenses are covered without paying the copay or coinsurance. Once the policy is approved and coverage is in effect, you may utilize services such as annual physical exams, OBGYN exams, approved immunizations (both adult and child), mammograms and any medication that is categorized as “preventive.”
Highmark Advance Blue prescriptions are not subject to deductibles or coinsurance. Copays range from $8 to $24 for generic drugs and $40 to $120 for brand drugs. There are also no lifetime maximum limits for these benefits. Unlike many older plans that have an annual prescription cap, this plan removes that restriction. Diagnostic expenses are subject to only a $20 copay which can be a major money-saver.
Larger medical expenses, such as inpatient and outpatient treatment, ER, normal hospital charges and ambulance fees are covered once the deductible has been met. The coinsurance is only 10% and the maximum out of pocket cost (not including the deductible) ranges from $1,000 to $3,000, depending on the chosen deductible. We always recommend selecting higher deductibles based upon the potential cost savings.
The free eye exam benefit every 24 months is an added bonus. Typically, most Pennsylvania health insurance plans do not offer this coverage. There is also some chiropractic coverage (subject to policy limitations).
Costs
Rates are calculated by your health status, age, sex, chosen deductible and the number of family members to be insured. For example, a 37 year old male would pay only $101 per month for a policy with a $1,250 deductible. Raising the deductible to $2,600 would reduce the rate to $88. A 37 year old female would pay $170 and $148 respectively.
Family premiums are based on the age of the oldest person to be insured. For example, assuming a family of five (Ages 43,40,16,14 and 10), the $2,400 deductible policy would cost $433 while the $7,000 deductible policy would cost only $348. The family plan has ONE deductible (for everyone) and not individual deductibles. UnitedHealthcare and a few other carriers use this concept and we like it quite a bit.
How To Apply
Applying for coverage is quite easy. The application is attached at the bottom of the page. Simply print and complete the application and fax back to us at (888) 513 6446. You may also email the application (in a PDF file) to service@pahealthinsurancecoverage.com. And of course, you can call us any time!
Highmark Advance Blue Benefits And Rates
Capital Blue Cross Short-Term health insurance coverage is now available. Affordable temporary medical plans for the Central Pennsylvania area are ideal if you only need benefits for six months (or less). Rates are very inexpensive and both individual and family plans can be purchased.
We provide the lowest short-term health insurance rates in Pennsylvania from the top companies such as Capital BlueCross, UnitedHealthOne, Highmark and Celtic. This type of policy will provide dependable benefits at a very affordable rate. But we also feel it’s important to properly explain the specific coverages and determine if it’s appropriate for you. Also, we represent other companies that may charge a lower rate than this plan.
The Capital Blue Cross plan is not the the cheapest temporary policy, but is one of the few plans that provides preventive benefits at 100%. Most other items are subject to a deductible, which is typical of this type of plan. An RX discount card is also provided, although the reduction in cost will only be slight.
Deductible options range from $500 to $5,000 for individuals and $1,000 to $10,000 for families. The application is short, and takes about 15-30 minutes to complete. Policies are often approved within 16-48 hours and lifetimes benefits of $1 million are available. Generally, if you have just left an employer, graduated from school or need “gap” coverage until a new policy begins, short-term coverage is advisable. You can always apply for a different type of policy including other BC plans.
Sample Selected Rates
$54 Male Age 30 $2,500 Deductible
$89 Male Age 45 $2,500 Deductible
$65 Female Age 30 $2,500 Deductible
$108 Female Age 50 $2,500 Deductible
$180 Family (Male age 35, Female age 35 and three children) $2,500 Deductible
How To Apply For Coverage
Applying for a policy is easy. Please print the Capital Blue Cross application (see the link below) and complete. Then, fax the completed application to (888) 513 6446. You may also email back in a PDF file to service@pahealthinsurancecoverage.com. It’s that simple!
We also attached a brochure (below) that provides some specific coverage and rate information.
Short-Term Application & Rates
Cap Blue Cross Short-Term Brochure
Pennsylvania major medical insurance is the least expensive form of health care coverage. Usually, costs are about 25%-50% less than standard plans and as much as 60% less than employer-sponsored medical plans (assuming the employer is not paying any of the premiums).
While Pennsylvania health insurance rates have been slowly spiraling upward, many individuals and families are turning to “high deductible” or “catastrophic” plans to minimize their cost. The potential savings can be huge, especially over the lifetime of the policy. Also, rates tend to increase less on policies with higher deductibles.
At Pahealthinsurancecoverage.com, we provide low cost plans that provide high quality coverage. We focus on the most respected companies in the state, such as Aetna, UnitedHealthOne, Independence Blue Cross, Highmark, Geisinger, Keystone, Capital Blue Cross and HealthAmerica. Celtic, although not a major company, offers competitive short-term plans. Assurant is a reputable company but does not offer competitive rates at this time.
The concept of major medical insurance is simple. Typically, a “deductible” must be met before any benefits are paid. Naturally, the higher the deductible, the lower the rate. In Pennsylvania, most companies will offer deductible options from $500 to $10,000. A few carriers, such as Assurant, will offer higher deductible options.
After the deductible has been satisfied, all policies have a “coinsurance” that must be taken into consideration. This is the percentage of the balance of the health care expenses that the policyholder is responsible for. The most common coinsurance is 20%, although 30% and 50% options are sometimes used on less expensive plans.
Pennsylvania Health Savings Accounts feature 0% coinsurance on many policies. The structure is quite simple and very popular. After the deductible has been met, covered benefits are paid at 100% with no other out-of-pocket expense. (Qualified preventive benefits are never subject to deductibles or coinsurance). An HSA differs from a true “major medical” policy because it offers superior benefits after the deductible. We’re happy to compare the difference in premium and coverage from the top companies. Simply call or email us and we’ll provide personal recommendations for your situation.
Sample Major Medical Insurance Rates In Pennsylvania
Our hypothetical family for this example is a healthy married 50 year-old couple that lives in Central Pennsylvania. I have listed below the monthly rates from one of the largest and most reputable companies.
Catastrophic Plan
$221- $5,000 Deductible
$263- $2,500 Deductible
$323- $1,500 Deductible
Health Savings Account
$297- $3,750 Deductible
$341- $2,500 Deductible
$416- $1,250 Deductible
There are numerous variables to consider in this example such as ages and health of the insured, policy coverage details, pre-existing conditions and underwriting guidelines. Also, rates in other areas of the state, such as Pittsburgh or Philadelphia, will be different. And many Blue Cross plans are only available in specific areas, such as Independence Blue Cross in Southeastern Pa, Capital Blue Cross in the central part of the state and Highmark Blue Cross Blue Shield in Western Pennsylvania.
Major medical coverage is a great option for some, and not very suitable for others. We’re always willing to help you determine which type of policy is best for your unique situation. Please call us, contact us (see contact information at the top of the page) or view rates now by using our quote box at the top of the page.
Affordable Capital BlueCross health insurance plans are available through this website. We offer the lowest available rates for individual and family coverage and will also research each policy so you’re provided with quality benefits that match your personal needs. We never charge any fees when reviewing plans or applying for coverage.
To qualify for a policy, you must live in the 21-county service area of Central Pennsylvania and the Lehigh Valley. These counties include Fulton, Franklin, Adams, York, Lancaster, Berks, Lehigh, Northampton, Schuylkill, Northumberland, Montour, Columbia, Union, Centre, Mifflin, Juniata, Perry, Cumberland, Dauphin, Lebanon and Snyder.
The three available underwritten plans are PersonalBlue PPO, PersonalBlue HSA and Individual Short Term. Policies are underwritten quickly and physicals are rarely required.
PersonalBlue PPO provides comprehensive coverage five deductible options ranging from $500 to $5,000. Preventive care visits are fully covered without having to meet a deductible or copay. However, other types of office visits are subject to a $30 copay AND the deductible. Emergency Room and Urgent Care visits are only subject to $100 and $50 copayments respectively.
We highly recommend adding the optional prescription rider. When added, generic, preferred brand and nonpreferred brand medications are covered. Copays range from $15 to $60 although utilizing mail-order will lower your cost. A $100 annual deductible applies for each covered person (maximum $300 per family).
PersonalBlue HSA (QHDHP) is the Pennsylvania Capital BlueCross version of a high-deductible health plan. Deductible options range from $1,500 to $5,000 with choices of 20% and 0% coinsurance. Like all Health Savings Accounts, preventive benefits are included without having to meet a deductible. And of course, the policy is considered a QHDHP (Qualified High Deductible Health Plan).
We strongly endorse the usage of HSA plans. They are a great way to lower your premiums, pay for qualified health, dental and vision expenses with tax-deductible dollars, and maintain better control over your personal health care program. We also believe selecting the 0% coinsurance is worth the small increase in premium. With this feature, other than the deductible, you pay no out-of-pocket money on covered expenses.
Individual Short-Term is designed to cover persons who need temporary medical coverage. The length of coverage runs from 30 days to 180 days and works best if you are between employers, simply uninsured, just graduated from school or waiting for a group plan to begin. Premiums are very cheap…often 50% less than conventional coverage.
The application is simplified and approval times often take less than 36 hours. Deductibles range from $3,000 to $10,000 with 20% coinsurance. Typically, pre-existing conditions are not a covered benefit. We like the Capital BlueCross short-term coverage. However, since we represent all of the large companies, usually, a lower rate is available from UnitedHealthcare or Celtic.
Sample Monthly Rates For 35 Year-Old Male In Dauphin County
PersonalBlue with RX
$158 $500 Deductible
$111 $2,500 Deductible
$78 $5,000 Deductible
PersonalBlue HSA
$115 $1,500 Deductible (20% Coinsurance)
$72 $5,000 Deductible (No Coinsurance)
Individual Short-Term
$111 $100 Deductible
$57 $1,000 Deductible
Sample Monthly Rates For Married 35 Year-Old Male & Female With Children
PersonalBlue with RX
$597 $500 Deductible
$429 $2,500 Deductible
$299 $5,000 Deductible
PersonalBlue HSA
$455 $1,500 Deductible (20% Coinsurance)
$285 $5,000 Deductible (No Coinsurance)
Individual Short-Term
$332 $100 Deductible
$172 $1,000 Deductible
How To Apply For Pennsylvania Capital Blue Cross Health Insurance
To apply for coverage, simply print this Capital BlueCross application, complete it, and fax to (888) 513 6446. You do NOT have to submit a payment when you apply for coverage. The policy will be underwritten and you receive an offer (in writing) that you can accept or reject. You can also scan and email the application to eharris@pahealthinsurancecoverage.com.
Please call us at (888) 513 6446 if you would like to discuss the application process, get a free quote or you would like additional specific information on any of the plans.
Capital BlueCross Personal Blue Brochure
View Capital BlueCross Plan Information
Medical insurance in Pennsylvania doesn’t have to be expensive. Whether you’re an individual or family and need coverage for a few months, or need a policy to last a decade, there are many affordable Pennsylvania medical insurance options. What makes this website so helpful is that we can quickly review hundreds of different plans, and determine the 5-10 best policies that will be the perfect for your situation. And of course, a live broker with 30 years of experience is available at any time.
Even the least expensive Pennsylvania health care plans will offer some benefits that you may not realize are included. For example on most non-temporary plans , national health care reform changes from 2010 now require all qualified preventive benefits to covered at no cost to the policyholder. There are no deductibles, waiting periods or coinsurance that needs to be met. This means that annual routine physicals, well baby visits, pap smears, mammograms and preventive colonoscopies don’t cost you anything! And they are covered immediately!
Although “catastrophic” and “high deductible” plans offer low premiums, it’s important to understand the coverage and potential out-of-pocket costs you could potentially face. These types of policies contain varying degrees of benefits once the deductible has been satisfied. Most HSA high deductible plans cover 100% of medical expenses (after the deductible). This is a popular type of plan and is precisely the type of policy that I (myself, wife and two children) have. The cost savings can be substantial, especially over time.
However, some catastrophic contracts in Pennsylvania will have limitations on office visit and prescription benefits after a deductible has been met. Common limitations are lack of non-generic prescription coverage, incomplete office visit coverage or no office visit or prescription coverage at all. Premiums can be thousands of dollars less per year, and if the risk is understood, this type of policy is very appropriate. Of course, it's impossible to predict your future medical bills. But a fairly accurate barometer is to look at your health history for the last 3-5 years.
Regardless of the type of health insurance policy you purchase, you are not required to keep it any length of time. You do not have to sign a contract obligating you to keep coverage and typically you are not penalized for canceling a plan early. For that reason, “temporary” medical plans have become very popular if an individual or family only needs coverage for a limited amount of time. Rates are cheap, policies are quickly approved and coverage can continue without interruption while you seek other job or insurance options.
We’ll be happy to review either long-term or short-term Pennsylvania medical options with you. The prices you view for each plan are the lowest available from each company. We never charge any fees and with 30 years of experience, we know we’ll recommend the right plan for your unique situation.
You can call us at (888) 513 6446 or view quotes now by clicking on the “Get Instant Quote” button at the top of the page. Remember....we work for you, andnot any ne single insurer.
Affordable Pennsylvania car insurance rates are offered by most of large auto insurance carriers such as Progressive, Geico, Liberty Mutual, Allstate and Nationwide. Many additional companies offer low cost rates that could save you a substantial amount of money on your current premiums. By entering your zip code in the box below, you’ll be able to view affordable car insurance options from the best companies in Pennsylvania.
You may be paying too much for your current coverage. While there is nothing wrong with keeping the same company for an extended period of time, your rates may now be significantly higher than other available options. That’s why it might be worth a few minutes of your time to fill in your zip code and see how much money you can save.
Tips To Reduce Your Pennsylvania Car Insurance Rates
1. Consider insuring your home with the same company that insures your vehicles. A “multi-policy” discount will be available on BOTH policies. There also may be additional discounts if your life insurance (if available) is through the same carrier.
2. Price shop different companies at least once every 3-5 years. Sometimes the major companies will reduce their rates at the time you are comparison shopping. If the timing is right, you’ll save hundreds of dollars.
3. Check your credit scores on a regular basis and avoid “late pays.” Most Pennsylvania car insurance companies provide better rates to customers with superior credit. And some will even charge a higher rate to persons with poor credit.
4. Increase your collision deductibles. If you currently have a $100 or $250 deductible, raising them to $500 or $1,000 will have a major impact on the rate. Unless your accident frequency increases, the savings accumulated each year could be substantial.
5. If your car is 10 years or older, it may be time to consider placing only liability coverage on the vehicle. Because the value has significantly dropped, the amount you would receive if the car is totaled may be far less than you expected. And, of course, each year, that value is reducing.
6. Special discounts are offered (by some carriers) to active or retired members of the Military or Reserves. Discounts vary, but typically are in the 10%-15% range. Membership in military organizations may also reduce your rates, along with membership in some business organizations.
7. If you recently retired, joined a carpool, or reduced your annual commuting mileage, contact your Pa auto insurance company. There’s a good chance you’ll qualify for a discount on the care that is affected by these changes. Also, turning age 55 will also generate a discount with many companies.
Car insurance rates in Pennsylvania don’t have to be expensive and we’ll help you find the companies that can offer the quality coverage you need, but also at the lowest available rate. We will only work with major reputable high-rated companies that will be there when you need them most.
To easily view your options, simply provide your zip code in the “Get Affordable Auto Insurance” box below.
Geisinger health insurance plans are available in 42 counties of Northeastern and Central Pennsylvania and include more than 31,000 health care providers and 96 participating hospitals. Geisinger is well-known for providing affordable high-quality medical benefits to its customers.
Pahealthinsurancecoverage.com, the premier resource for Pennsylvania health insurance coverage, is proud to offer Geisinger individual and family medical plans at the lowest available rates. By clicking here instantly, you can view, compare and apply for one of 11 PPO plans. Typically, rates are very competitive when compared to other insurers.
Individual Plan Options
Seven of the eleven health insurance plans include a low $20 copay on office visits and a $45 copay for specialist visits. Comprehensive prescription benefits can be added as an inexpensive rider, and include $5, $35 and $55 copays on generic, brand and non-formulary prescriptions. A $100 deductible applies to the RX coverage. We highky recommend adding this optional benefit.
Preventive services are covered with no deductible, coinsurance or waiting period. This includes both adults and children. Major medical deductibles range from $250 to $2,500 with 10% or 20% coinsurance options. An optional maternity benefit is also available that is subject to a 25% coinsurance. Theirmaternity rates tend to be substantially less expensive than the few other companies that still offer this coverage.
Geisinger Insurance Health Plans in Pennsylvania also feature three “High Deductible Health Plans” (HDHP) that are HSA-compatible. Deductible options of $1,400, $2,650 and $2,800 are available. Once the deductible is met, 90% of expenses are covered with an annual maximum out-of-pocket limit. Qualified preventive services are paid without having to meet the deductible.
An HSA is a tax-sheltered savings account that allows you to pay for qualified medical, dental and vision expenses with tax-favored dollars. You control the money in the account and also choose the bank that will administer the paperwork. Any unused funds can roll over to the following year. I (myself, wife and two children) have had an HSA for many years and have been very satisfied with the coverage, rate and savings!
An HDHP is an individual or family health insurance plan that features a high deductible. Typically, benefits are covered at 90% or 100% after the deductible has been met. Prior to the deductible, negotiated network discounts will reduce the out-of-pocket expenses. Preventive benefits are not subject to the deductible. The HDHP is issued by the insurance company and is paired with the HSA to provide low cost coverage.
How To Apply For Coverage
To compare the best options and apply for a Geisinger Insurance Health Plan, please click here. Then enter your zip code and other requested information to view your options. If you need help, please call us at (888) 513 6446 or email service@pahealthinsurancecoverage.com. We’ll be available to answer your questions and assist in determining which plan is best for you.
About Geisinger
Geisinger Health Plan is an important part of the Geisinger Health System. The system is a huge all-encompassing health-care Network that provides comprehensive health care and services in 40 counties of the state. It is also a non-profit, local community-based organization that utilizes physician-led health care research and various types of education.
Geisinger has received recognition from The National Committee For Quality Assurance (NCQA), which is an independent organization that measures the quality of the nation’s health care. Some of these commendations for 2010 include:
· Rated first in Pennsylvania for breast cancer and cervical cancer screenings.
· Rated Number One in the US for beta blocker treatment to members for six months following a heart attack.
· Ranked in the Top 10 in the US for appropriate follow-up within 7 and 30 days for mental illness.
· Finished in the Top 10 nationally for children who saw a doctor and had their Body Mass Index (BMI) documented and were counseled for physical activity.
Sample Monthly Rates
40 Year-Old Male in Dauphin County
$122 PPO Plan 7 $20 Office Visit Copay & $2,500 Major Medical Deductible
$140 PPO Plan 6 $20 Office Visit Copay & $1,000 Major Medical Deductible
$160 PPO Plan 2 $20 Office Visit Copay & $500 Major Medical Deductible
40 Year-Old Male & Female with Two Children (Family Of Four) in Dauphin County
$428 PPO Plan 7 $20 Office Visit Copay & $2,500 Major Medical Deductible
$490 PPO Plan 6 $20 Office Visit Copay & $1,000 Major Medical Deductible
$560 PPO Plan 2 $20 Office Visit Copay & $500 Major Medical Deductible
View Geisinger Health Insurance Rates
Low cost short-term Pennsylvania health insurance rates are issued by UnitedHealthCare, one of the nation’s biggest and most respected health insurance companies with more than 25 million customers. Short-term medical plans are appropriate if you are a student that is about to graduate, between jobs, not working, or waiting for health benefits to begin. We also recommend this type of coverage if you are uninsured and would like to cover large claims while paying an extremely low premium.
We offer UnitedHealthCare short-term health insurance policies in Pennsylvania at the lowest allowable rate and never charge any fees. We’ll carefully help you determine if this type of temporary coverage is within your budget and gives you the coverage you need. The application process is easy and the policy approval process often takes less than a day. Golden Rule, a UnitedHealthCare company, is the underwriter of each policy. When you apply directly through this website and we'll be happy to help you with the process. Both individual and family coverage is available.
There are Three Available Plans:
Pennsylvania Short Term Medical Value Plan is the least expensive temporary policy. Length of coverage is available from 1-11 months and a deductible applies to each illness or injury. After the deductible, the insurance pays 80% of covered expenses. Once $4,000 of out-of-pocket expense has been paid, the policy pays 100% of remaining covered expenses. I have found this option to be the most popular of the three plans. It's cheap, straightforward and very easy to understand.
Pennsylvania Short Term Medical Plus Plan offers higher coverage than the “Value” plan. Once again, coverage is available from 1-11 months. However, a deductible only applies to the term of the policy, and not for each incident. Therefore, if you have multiple major medical claims, you will only pay one deductible. After the deductible, the insurance also pays 80% of covered expenses. But you only need to pay $2,000 of out-of-pocket expenses before the policy pays 100%. It's more expensive than the "Value" plan but may include benefits you will not use.
Pennsylvania Short Term Medical Copay Plan offers more coverage and is the most expensive of the short-term options. A $35 copay applied to in-Network office visits. One visit is allowed for a 1-3-month policy, two visits for a 4-6 month policy and four visits for a 7-11 month policy.
Prescription drug coverage is also included. The generic drug copay is $15. Non-generic drugs are also covered but subject to higher copays and coinsurance. A $3,000 per person per term maximum applies. Perhaps I'm biased, but I don't often recommend this option. In my opinion, most consumers seem to feel it is not worth paying the higher cost of the "Copay" policy.
All three plans provide substantial provider discounts for many services that are subject to a deductible. UnitedHealthCare’s National Network consists of more than 650,000 health care professionals and physicians. Multiple billing and deductible options are also available providing additional flexibility. You can pay the entire cost of the policy at once or simply pay monthly (electronically through a checking account). If you need to cancel a policy before it terminates, you can request a refund on the unused portion of your coverage.
For additional specific information, please call us at (888) 513 6446. You can also compare rates by clicking on the “Get Instant Quote” button at the top of the page. The UnitedHealthCare rates will appear after you have provided some basic information. We're familiar with all of the plans and the application process so call or email us.
UnitedHealthCare Short-Term Brochure
Pa self employed health insurance is available to residents of Pennsylvania at very affordable rates. If you are self employed, live in Pennsylvania, and pay for your own health care, most of the bigger insurers in the state provide low cost plans that will provide the coverage you want at a price you can afford. Small busines owners can easily find competitive options that could potentially save thousands of dollars each year. And usually these options are much mess than COBRA rates.
At Pahealthinsurancecoverage.com, we specialize in providing affordable Pennsylvania health insurance to self employed individuals and families. Many individual plans are available from top carriers such as Independence Blue Cross, Blue Cross Blue Shield, Highmark, Keystone, UnitedHealthCare, Aetna, HealthAmerica, Assurant, Geisinger and Celtic. We’ll take the time to examine your specific needs and recommend the plans that provide the coverage you feel you need.
Perhaps the most popular and cost-effective option for self employed health care coverage is a Health Savings Account (HSA). An HSA is a tax-advantaged savings account that is combined with a qualified high deductible health insurance plan (HDHP). As an alternative to traditional health care, current health, dental and vision expenses, along with future qualified expenses, can be paid for on a tax-free basis.
The HDHP portion of the Pa Health Savings Account is simply a catastrophic policy that is issued by a health insurer. The plan must be “HSA-eligible” and typically will provide 80%-100% coverage once the deductible has been met. Preventive benefits such as routine annual physicals, mammograms, colonoscopies and children’s wellness visits are not subject to the deductible. Other expenses will receive a “Network negotiated discount,” that will lower the out of pocket costs. These discounts are usually 10%-25%. However, selected expenses may receive discounts up to 80%.
Self employed persons may contribute to an HSA with after-tax dollars and take the “above-line” tax deduction. However, contributions to the HSA cannot be made on a pre-tax basis and deductions cannot be taken for SECA purposes. Also, your tax filing status (separate or joint) does not affect contributions. Any contributions deposited into the account do not necessarily have to be used the year the deposit was made. You can wait quite a few years and still have access to your money.
Catastrophic health insurance plans are also available that are not HSA-eligible. Many Pa self employed persons utilize this type of coverage to keep premiums extremely low. While major medical claims are covered after the deductible, typically there is very little (or no) coverage for office visits and prescriptions. Deductible options usually range from $250 to $10,000, with $2,500 and $5,000 being the most popular choices. Preventive benefits, however, are provided without having to meet a deductible.
If you have a pre-existing condition, you may still be able to obtain coverage. Most minor conditions do not cause a denial of coverage. A combination of serious conditions could be a reason to be concerned.
We understand the challenges of looking for affordable health care when you are self employed and we’re committed to helping you find the plan that best meets your needs. If you would like to instantly view and compare the best available plans, simply click on the “Get Instant Quote” button at the top of the page. You can also talk to us live by calling (888) 513 6446.
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