Pennsylvania health insurance providers offer comprehensive, catastrophic and short-term temporary coverage to Pennsylvania residents. Many plans are available at the very low rates. As one of the state’s leading providers for affordable health care rates, we represent all of the major providers. We have listed below details and important information about many of these companies:
Aetna offers an extensive combination of PPO and HMO Pennsylvania health insurance plans. As the first national, full-service health insurer to offer individual consumer plans, Aetna also features two very competitively-priced HSA plans ($3,000 and $5,000 deductibles). The PPO 5000 and HMO 30 are two very popular plans that are offered. Also, Aetna’s dental rates, if added to the healthcare policy, are typically only $14 per person (per month).
UnitedHealthcare (UHC) is one of the largest US health insurers and provides Pennsylvania health insurance plans through UnitedHealthOne. The “Copay Select” and “Copay Saver” plans are the most popular comprehensive plans in their portfolio. Rates are typically most competitive in Western and Central Pennsylvania with some exceptions.
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 in the plan, 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.
HealthAmerica is one of the Pennsylvania health insurance providers you don’t hear a lot about, but they are a well-respected company. Recently, they lowered rates on their copay plans, and came out with a low-priced comprehensive policy.
Highmark Blue Cross Blue Shield serves 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.
Capital Blue Cross services 21 counties in Central Pennsylvania and the Lehigh Valley. PersonalBlue PPO is their popular medically underwritten individual policy. Rates are fairly competitive and many 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” plan for persons with major health conditions.
Independence Blue Cross (IBC) is Southeastern Pennsylvania’s largest health insurer. The Keystone Health Plan East HMO 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.
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 many 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 wnat a low deductible on the major expenses, assuming you live in the central part of the state.
Assurant provides a wide range of financial services in the US including health insurance to Pennsylvania 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.
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 plan 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 are always worth consideration.
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.