Pennsylvania health insurance providers offer comprehensive, catastrophic, student and short-term temporary coverage to Pa residents. Many plans are available at very low rates. As one of the state’s leading authorities for affordable healthcare quotes, we represent all of the large companies. Our unbiased information and advice is free and allows you to view prices in minutes.
We can help you find which carrier would be the best company to apply for coverage. The most important factors would include the type of benefits you need, your budget, the networks of your personal physicians and what level of federal subsidy you are likely to receive from the state Exchange. We have listed below details and important information about many of these carriers.
Keep in mind that not all companies will participatein the State Marketplace every year. It is also possible that in certain years, individual and family coverage may be available but not small business coverage. And of course, vice cersa.
Aetna offers an extensive combination of PPO and HMO Pennsylvania insurance plans. As the first national, full-service health insurer to offer individual consumer contracts, Aetna also features two very competitively-priced HSA plans ($3,000 and $5,000 deductibles). The PPO 5000, PPO 2500 and HMO 30 are three very popular options that are offered. Also, Aetna’s dental rates, if added to the healthcare policy, are typically only $16 per person (per month). That cost is substantially lower than most other full-service rates.
UnitedHealthcare (UHC) is one of the largest US insurers and provides plans through UnitedHealthOne and Golden Rule. The “Copay Select” and “Copay Saver” policies are the most popular comprehensive plans in their portfolio. Rates are typically most competitive in Western and Central Pa with some exceptions. Their temporary rates are also excellent.
Policies are marketed under the "Golden Rule" brand. "FACT" membership is required, which provides discount eye and dental benefits.UHC will not be offering plans in many states in 2014 as they "sit out" and watch to see how Obamacare works out.
The “Saver 80” plan is one of the most popular catastrophic coverage options in the state. With 100% preventive benefits and no lifetime cap included, this policy is a great way to reduce your premiums. UHC is also one of the few carriers that utilizes a “family deductible” on their HSAs instead of individual deductibles. This limits the policy to one deductible (total) instead of a deductible for each insured.
HealthAmerica was recognized as one of the 20 best health plans in the country by “The US News” in their 2009-2010 list. Their $2500 and $5,000 deductible HSA plans are extremely competitively priced and the “Rewards” plan is a unique catastrophic policy that also provides preventive benefits. Some office visit and prescription benefits are included. And many policies automatically include some basic dental benefits. They are a subsidiary of Coventry, a much larger carrier.
HealthAmerica is one of the companies you don’t often hear about, but they are a well-respected organization. Recently, they lowered rates on their copay plans, and came out with a low-priced comprehensive policy. However, in August (2012), it was announced that Aetna will purchase the parent company (Coventry). This could change the policy portfolio within the next 12 months.
Highmark Blue Cross Blue Shield handles Pittsburgh and the 29 counties of Western Pennsylvania and has one of the largest provider Networks in the region. The DirectBlue and PPOBlue plans are the most popular Highmark policies and are available with deductibles of $250-$7,000. Rates are generally competitive and preventive benefits are typically very comprehensive. Major medical expenses are paid at 90% (after the deductible with out-of-pocket limit) and HSA and short-term plans are also available.
The "Advance Blue" plan is a new policy that was just offered in late 2011. It is one of the most sought-out options for consumers that are willing to pay higher out-of-pocket costs for specific items in return for a more budget-friendly price. Along with UPMC, these two carriers have huge blocks of business in their territories.
Capital Blue Cross services 21 counties in the Central part of the state and the Lehigh Valley. PersonalBlue PPO is their popular medically underwritten individual policy. Rates are fairly competitive and preventive benefits are not subject to the deductible. An optional prescription rider is available that covers most medications with small copays. Capital Blue Cross also offers short-term coverage and a “guaranteed issue” policy for persons with major health conditions. Consumers can apply here or coverage.
In the Harrisburg, Lancaster and Lebanon areas, they are very well-positioned on price. Geisinger and Highmark, however also must be included in comparisons in those areas. All three offer small business options that are very popular if the number of employees is less than 50.
Independence Blue Cross (IBC) is Southeastern Pennsylvania’s largest health insurer. The Keystone policies offer a wide variety coverages with low out-of-pocket costs. HMO Copay and HMO Deductible plans are popular choices for individuals and families. The “Personal Choice” PPO plan offers guaranteed enrollment to applicants that can’t obtain health care coverage elsewhere. In the Philadelphia corridor, there are few carriers that can compete with IBC (also known as"IBX").
Blue Cross Of Northeastern Pennsylvania is based in Wilkes-Barre and serves northeastern and north central Pennsylvania. BlueCare Direct and BlueCare Direct Select are popular individual plans that feature 100% coverage on qualified preventive services and copays on most office visits and prescriptions. Out-of-pocket maximum limits are very flexible, depending on the selected deductible.
Geisinger is based in Central Pennsylvania and offers extremely affordable options in Dauphin, Cumberland, Lancaster and surrounding counties. They feature plans with deductibles as low as $250 and are also one of the few carriers to offer a maternity rider. We feel Geisinger is one of the best options if you want a low deductible on the major expenses, assuming you live in the central part of the state. Recently, they have added dental and vision benefits to selected plans. Their high-deductible HSA policies compete very favorably.
Assurant provides a wide range of financial services in the US including insurance to Keystone residents. Assurant offers competitive short-term temporary plans with many optional deductibles. In some areas, their high-deductible Health Savings Accounts ($7,500 or $10,000 deductibles) feature fairly low rates. And their rates are expected to drop before 2014. We'll be watching them closely in 2013 to see which direction they take their policy offerings.
Celtic Insurance Company is based in Chicago and offers individual short-term, comprehensive and HSA coverage. The Celtic “Basic” plan is perhaps the most competitively priced policy in their portfolio. It’s a PPO option that provides two office visits per year (subject to a $30 copay) and a $200 wellness benefit that starts three months after the policy effective date. Some prescription coverage is also included. Their temporary medical rates were always worth consideration, but were recently discontinued.
For additional information on any Pennsylvania health insurance provider, please feel free to call us at (888) 513 6446. You can also contact us via email (see top of the page). We'll review which plans are most suitable for you and provide an easy method to apply for coverage. Your free quote takes only a few minutes and can be found in the quote boxes at the top of the page.