Pennsylvania catastrophic health insurance plans are an affordable low cost option to reduce rates and still maintain major medical benefits. We specialize in helping Pennsylvania residents find low cost catastrophic coverage with respected companies. The combination of high deductible plans and supplemental options is often a popular cost-saving option.
Plans are offered through most large insurers such as Aetna, UnitedHealthCare, HealthAmerica, Highmark Blue Cross Blue Shield, Capital Blue Cross, Keystone, Geisinger and Assurant. The rates you view on this website are always the lowest issued by the carriers, and the exact rate that you would pay by going directly to the carrier. Therefore, by utilizing our 31 years of experience, you are not paying extra.
Catastrophic health insurance plans will insure major claims, such as hospital expenses (including semi-private room charges, surgery and fees charged by doctors, surgeons and nurses), outpatient surgery, and emergency room and facility charges. Also referred to as “high deductible” plans, this type of coverage typically has a high deductible ($1,000 to $10,000) that must be met before benefits are paid. Out of pocket expenses will depend on which deductible is selected. Whether you are one person, a family, uninsured, self employed or on Cobra, a catastrophic plan is always worth considering.
If you are in reasonably good health, you can apply and probably be approved for a policy with more coverage, such as office visits and lower out of pocket charges. It's important to consider what effect that will have on your current and future situation. Having office visit copay benefits is always a great feature. However, it's important to determine if you are paying thousands of dollars per year for a coverage that only provides a few hundred dollars of coverage in return.
After researching hundreds of different options, three of our favorite Pennsylvania catastrophic policies are HealthAmerica’s “QHDHP”, UnitedHealthcare’s “Saver 80” and Aetna’s “Preventive & Hospital Care” plans.
The HealthAmerica “QHDHP” policy is a catastrophic plan with a few features that normally aren’t found on this type of plan. For example, preventive benefits are NOT subject to the deductible. Well child and adult physicals, routine mammograms, gynecological exams and preventive immunizations are covered with no out-of-pocket cost. And once the deductible has been met, primary care and specialty office visits are covered with a copay along with some prescription coverage.
UnitedHealthCare’s “Saver 80” plan is a no-frills policy that has been a top Pennsylvania catastrophic health insurance plan for many years. Most major medical expenses are covered and subject to the deductible. Typical covered expenses are inpatient and outpatient hospital fees, emergency room charges, fees charged by doctors, surgeons and nurses, and radiation/chemotherapy treatments. Additionally, facility charges, CAT scans, MRIs, inpatient physician visits and prescriptions, and standard operating room and recovery room charges are also covered. This plan may lack some of the benefits of the “QHDHP” policy, but in many parts of Pennsylvania, it’s the lowest cost health plan available.
Aetna’s “Preventive & Hospital Care” policy is a low cost plan with a $3,000 deductible. It’s an HSA-eligible contract that provides comprehensive preventive benefits that are not subject to the deductible. Premiums are especially competitive in Central and Western Pennsylvania. If having low premiums is a major priority, this plan should be considered.
We’re committed to finding the plan that best matches your specific budget and needs. You can apply online for coverage or we can assist you. Please feel free to email or call us at (888) 513 6446.