Pa health insurance companies offer a wide range of coverage. We teach you about these carriers, their prices, and provide a free guide and information so you can easily learn about different options before applying through the Exchange for a policy. No "discount" plans are ever used. Also, if a contract is not rated "A" or higher by A.M. Best Company, we will not offer coverage from them. When you view quotes on our website, you'll be able to easily compare rates and benefits from the best plans in the state.
Some of the companies we represent include Highmark, Keystone, Aetna, UPMC, UnitedHealthcare, Capital Blue Cross, Independence Blue Cross, Geisinger, and HealthAmerica. We also provide rates, reviews, and information on companies that specialize in Senior Medigap, Medicare Supplement, and Advantage options.
HealthAmerica is part of Coventry Health Care (now an Aetna subsidiary), who is a diversified national managed health care company based in Bethesda, Maryland, managing health plans, insurance companies, rental and workers' compensation services companies. They were founded in 1986 and currently insure more than four million lives. They have a large Network, with over 47,000 hospitals countrywide, and have become one of the most popular Pennsylvania health insurers.
Some of Coventry's best policies are PPO plans with various deductible and copay options. HMO and POS plan options are also offered throughout the state. In Eastern Ohio, the following counties are included in the network: Belmont, Columbiana, Harrison, Jefferson, Mahoning, and Trumball. Medicaid, Medicare, and Group coverage are also offered, along with the popular individual and family Marketplace options. Pa Metal Exchange plans offered are Bronze $15 Copay, Bronze Deductible Only HSA Eligible, Silver $10 Copay, and Gold $10 Copay.
Aetna is one of the largest US health insurance companies. They were founded in 1850 and provide coverage in all 50 states. Aetna was ranked number 2 in the health care category in Fortune Magazine's "Most Admired Companies" lists. As mentioned above, they have previously purchased Coventry, and are completing the merger with Humana, who currently does not offer individual plans in Pennsylvania.
They have a wide portfolio of products including comprehensive HMO policies (in some states) as well as lower-cost Bronze-tier and HSA policies. The individual Marketplace plans are very popular in Pennsylvania, including the Bronze $15 copay and Silver $10 copay. "Leap" plans are offered in the Philadelphia area.
Aetna's dental insurance is very affordable, and can be added to most of their individual and family plans for an approximate monthly cost of $15. Many policies automatically include some form of discounted vision benefits. Annual teeth cleanings and x-rays are typically fully-covered.
They also made the decision (like many companies) to not offer policies on many of the State Exchanges. However, they are active in Pa Open Enrollment for Marketplace plans."Off-Exchange" coverage is also offered for applicants that don't qualify for a subsidy or choose to avoid the .gov government website.
UnitedHealthcare serves more than 26 million clients. With 33 years of experience and 4700 Network hospitals across the US, UnitedHealthcare is one of the biggest players in the industry. They write business in most states and every large city. However, although they offer Marketplace plans in many states (including Pa), they are losing millions of dollars on Exchange business. Specifically, much of the loss results from SEP enrollments after Open Enrollment has closed. Subsidized customers are also submitting many more claims than applicants that don't qualify for a subsidy.
In Pennsylvania, on and off-Exchange plans are available along with "short-term" contracts. Available up to 12 months, temporary policies are very affordable and can be approved within 24 hours after completing a simple 15-minute online application. However, these options do not cover pre-existing conditions, or qualify for the Obamacare requirement of owning qualified healthcare coverage.
Popular plans include Bronze Compass HSA 5500, Bronze Compass 6500, and Silver Compass 4500. Seniors can choose among many AARP-UnitedHealthcare options including Medigap Plans A, B, C, F, K, L, and N.
Blue Cross consists of four companies in Pennsylvania. Highmark Blue Cross Blue Shield serves 29 counties in the Western area. Highmark Blue Shield serves several areas. Independence Blue Cross (Keystone) serves the Southeastern (Philadelphia) area. And Capital BlueCross (Yes, that is the correct spelling) serves 21 counties and the Lehigh Valley in the Central area. Blue Cross of Northeastern Pennsylvania merged with Highmark in 2015, and is no longer a separate company.
A wide selection of plans is available with many copay and deductible options. Plans and rates can vary sharply by area. HMOs and high deductible plans are very popular Pa Blue Cross choices and rates are generally quite competitive when compared to other carriers.
Highmark BCBS competes with UPMC for business in the Western portion of the state. In the Philadelphia area, only Aetna can provide competitive prices when comparing to Keystone (Independence BC). Network providers also offer coverage in parts of Delaware and New Jersey. Popular Blue Cross policies throughout the state include Connect Blue EPO 750, Shared Cost Blue PPO 6000, Health Benefits Value, Alliance Flex Blue PPO 2100, Keystone HMO Bronze, and Keystone HMO Silver Proactive.
UPMC offers many affordable options in the Western portion of the state. Both comprehensive and high deductible policies are available to individuals and families. Rates for HSA and high-deductible options are very competitive. You can view their information on this page.
President and CEO Diane P. Holder has reiterated that UPMC will continue to offer Exchange policies, despite many other carriers exiting the marketplace. J.D. Power also recognizes their plans as having the highest "customer satisfaction" of any Pa carrier. Their main competitor Highmark has also indicated they will continue to participate in Obamacare.
Individual policies utilize the Partner, Select, and Premier networks. The "Advantage Bronze" and "Advantage Silver" plan options offer copays on pcp office visits and are generally among the most affordable comprehensive plans offered. A $0 deductible plan is also available. UPMC For Life plans offer Medigap coverage to Seniors. The six available policies are HMO, HMO Deductible With Rx, PPO High Deductible With Rx, HMO Rx, PPO Rx Enhanced, and HMO Rx Enhanced.
Available in 41 Pa counties, Geisinger plans are very popular with consumers that prefer to stay in-network within their area. Although service is typically personable and considered high-quality, treatment outside of the network results in much higher out-of-pocket costs, unless it is considered an emergency. However, with more than 25,000 physicians and 100 hospitals, generally, you don't have to drive far to be treated.
A wide range of business, single, and family plans can be purchased with or without a federal subsidy and many comprehensive wellness programs help keep patients healthy. Many popular Marketplace plans for persons under age 65 and who are not Medicaid-eligible are available for easy enrollment. Some of these plans include Marketplace Extra 10/50/2000, Marketplace PPO 30/50/5000, and Marketplace Extra 10/50/500.
Senior Geisinger Gold Medicare Supplement options include Plans A, B, C, F, F (High Deductible), M, and N. A Gold Classic Advantage plan is offered along with five prescription drug plans (Gold Classic Complete Rx, Gold Preferred Complete Rx, Gold Secure Rx, Gold Preferred Advantage Rx, and Gold Classic Advantage Rx).
Celtic is a relatively young company, with just 30 years of experience. They have a diversified array of medical plans ranging from inexpensive basic plans to comprehensive plans featuring low out-of-pocket expenses. However, Celtic ceased offering ACA-compliant policies, and now features alternative options.
One important note regarding Celtic is that their parent company, Centene Corporation, is focusing much more on a new product called "Ambetter," which is designed to help consumers on Medicaid. However, the Ambetter product is available on many state and federal Exchanges.Currently, it is not offered in the Keystone State.