Pennsylvania UnitedHealthcare health insurance plans are offered through Pahealthinsurancecoverage.com, your one-stop shopping experience for medical coverage. UnitedHealthcare offers affordable coverage to individuals, families, the self employed, students and the uninsured. Whether your need is catastrophic, copay, short-term or long-term, we’ll compare all of the available plans.
And the rates you view on our website will be the lowest provided to the public. We will also discuss with you the impact of health care reform and how you can utilize some of the changes to reduce your premium. Most importantly, we have devoted the top portion of the page for you to easily view your rate quotes.
Perhaps the most competitively-priced Pennsylvania UnitedHealthCare health insurance plan is the “Copay Select.” This policy utilizes the extensive UHC Network of doctors, hospitals, X-ray and lab facilities and other related providers. Premiums are reduced by approximately 40% compared to non-Network coverage, and the policy is designed to provide benefits similar to traditional employer plans. Rates are extremely competitive in the Pittsburgh and Philadelphia areas.
When a Network physician is used for an office visit, 100% of history and exam fees are covered at 100% after a $35 copay. X-rays and lab tests receive a negotiated fee reduction (for Network providers) that substantially reduces your out-of-pocket cost. Adult and child preventive care benefits are also provided with no waiting period. Some of the included benefits are child immunizations, preventive mammograms, Pap Smears and PSA screenings. Referrals are not required and comprehensive prescription coverage is a covered benefit.
One of the best low cost Pennsylvania health insurance policies is UnitedHealthCare’s “Saver 80” plan. Premiums are generally half the cost of a comparable comprehensive plan, while providing catastrophic coverage in the event of a major medical health insurance claim. The lifetime maximum benefit is unlimited and deductibles from $500 to $10,000 are available. Rates are guaranteed for 12 months. Generally, rates increase less for high deductible policies when compared to other more expensive plans.
The “Saver 80” plan is ideal for early retirees wanting a policy to carry them to Medicare or anyone wanting low-cost health care coverage in exchange for paying routine medical expenses out-of-pocket. Larger benefits are covered, including room and board, professional fees of medical personnel, intensive care unit, operating room and recovery room. Additional outpatient expense benefits are also provided such as outpatient surgery and emergency room fees for sickness and injury.
An alternative Pennsylvania UnitedHealthCare plan is the “Copay Select Value.” Premiums are quite affordable and medical benefits provide coverage for catastrophic claims. But four office visits are also included (per person, per calendar year, including wellness visits) subject to a $35 copay. Generic prescription benefits are also included along with standard wellness and preventive care coverages. If you don't anticipate utilizing non-preventive office visit benefits, this plan should be considered. The rate is higher than a true "major medical only" policy but many more benefits are provided.
UnitedHealthCare plans in Pennsylvania are offered through “Golden Rule Insurance Company.” Golden Rule is rated “A” by A.M. Best and “A+” by “Standard and Poors.” UnitedHealthCare processes the vast majority of their claims within 9-14 days and offers one of the largest US Networks with more than 580,000 physicians and care professionals and 4,900 hospitals nationwide. So if you are traveling outside of Pennsylvania, you’ll still be able to use your coverage.
Upon request, we’ll be happy to provide a list of local doctors and hospitals in any area of the country.This can be helpful, especially if you are going to be out of the area. And of course, the quotes are free. Simply enter your zip code at the top of the page.