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