Pennsylvania Health Insurance

Affordable Pennsylvania Health Insurance Quotes

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The HealthAmerica Pennsylvania Health Savings Account

The HealthAmerica Pennsylvania Health Savings Account (HSA) is one of the most affordable medical plans available in the state. Rates are extremely competitive compared to other Pennsylvania HSA plans offered by Aetna, UnitedHealthOne and Blue Cross. Both individual and family policies are available along with many deductible options. The flexibility of this type of coverage helps make it a very popular medical plan. You will notice  lower costs than typical medical insurance coverage, allowing you to pay for existing  expenses, and save for future approved costs on a tax-free basis. You need to have a High Deductible Health Plan (HDHP) to take advantage of benefits. Every carrier offers this type of contract as a low-cost option. Many large employers also offer an HDHP plan along with more comprehensive options. The HDHP The HDHP is very inexpensive, allowing the money you save on  premiums to be deposited into your personal account. Many consumers utilize this as their principal coverage. This is allowed and of course, you can add the side account at any time. Most major banks, such as Chase, will set up the HSA portion of your medical coverage. If you have an existing local banking relationship, they may offer you additional features at no charge, such as a debit card, online account viewing and removal of the small monthly fees that are sometimes charged. Also, they pay a...

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Discontinued Blue Cross Plans In Philadelphia Area

Keystone HMO plans have substantially since the passage of Obamacare. Instant federal tax credits now help pay premiums and acceptance is guaranteed, regardless of any medical treatment you are receiving or contemplating. Waiting periods and surcharges for current conditions have been eliminated. Of course, the article below was written nine years ago, so all described plans are now unavailable for new purchase. If the contracts are considered as “grandfathered,” you can keep that existing coverage, even though it does not meet current mandated requirements. However, you can also read about current Pa Keystone Health Plan East coverage and compare rates and benefits. Each year, prices change, although comprehensive coverage continues. Here is the article: Policies are offered by Independence Blue Cross. We help you understand the benefits of each plan and easily apply for private coverage. The policy offers comprehensive medical benefits through a selected Network of doctors and hospitals. We will advise you which plan provides the help that is most important to you and at the lowest possible premium. Both catastrophic and comprehensive options are available. Also offered are options to supplement Medicare and guaranteed issue contracts for applicants that may not be able to qualify medically for coverage. Medicaid may be available (low-cost or no-cost) to you and/or members...

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Pa Health Insurance Quotes For Individuals And Families

Get free Pennsylvania health insurance quotes online for single persons, families, the self-employed, and small or large businesses in Pa. Our website is designed to help you find affordable medical coverage that you can easily apply for. Explore rates as low as $50 per month with easy enrollment. The best policies at the lowest prices are only a click away. If you are currently not covered, select major medical or comprehensive benefits from reputable carriers. We guide you through the entire comparison and purchase process so that you always pay the lowest available rates from every health insurer in the state. Both subsidized Marketplace and non-subsidized policies are offered. Lower-income households may be eligible for Medicaid or CHIP benefits. Seniors can view Medigap plans from different companies, including Part D prescription drug policies. These plans may be ideal if your employer does not offer benefits at a cost you can afford, or you are not presently covered. Whether you’re a student that needs cheap quality coverage, or a growing family with maternity and other needs, we review hundreds of plans from every major carrier so you can view the best available options. The quotes are free, and without cost or obligation. Top Pa Companies We are  the state’s respected source for providing free competitive quotes from all top-rated carriers. The  best companies are...

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Health Care Reform in Pa And Impact On Prices

Pennsylvania health insurance reform is coming. But if House Speaker Nancy Pelosi has her way, you can expect to see your Pa rates for medical coverage rise faster than you ever imagined. However, there are some alternative solutions that will cost less, expand coverage, and improve quality. Some of these ideas have been discussed and others are active in other states but not here in our state. Five reform ideas that should be implemented (courtesy of Douglas Holtz-Eakin and Paul Howard) are: 1.     Eliminate the federal tax exclusion and replace it with a tax deduction or instant tax credit. Typical savings could be used to reduce the cost of individual and family policies. Everybody would benefit by receiving quality coverage at a reduced cost. Many carriers would be available in all areas. 2.     Increase and expand funding to high-risk plans so that major pre-existing conditions would be better covered. Currently, these “pools” are doing well, and by making them stronger, healthier persons may see their costs go down. By promoting wellness, long-term rates may slightly reduce, since the most costly types of surgeries and medications would decrease. Insurers could offer special inducements to customers for taking annual physicals on a regular basis. 3.     Let health insurance companies sell coverage across state lines. If Pennsylvania consumers do not want or need...

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Healthcare Tips That Will Save You Money

Health insurance rates have been slowly increasing. Perhaps your rate is a bit higher than you can afford. Healthcare can be more affordable than you realize. Sometimes, a few minor changes can substantially reduce your Pennsylvania premium. Hopefully these five tips will help! ·        Consider raising your major medical or prescription deductible. With many Pennsylvania medical plans, the deductible often does not apply to covered office visits and prescriptions. So by raising your deductible, depending on the number of family members covered, you could easily save hundreds…or even thousands of dollars per year. A $2,500 or $5,000 deductible are options to strongly consider. A few carriers now offer $7,500 and $10,000 options on their short-term plans. And yes…even $20,000 is offered on selected family plans. If you don’t use it, why pay for it? And remember that maximum out-of-pocket expenses are just as important as the deductible. ·         Work with an experienced broker with at least 20 years of experience. That  broker should be specializing in local healthcare coverage as opposed to an agency located on the other side of the country. The top resource for researching and quoting affordable Pa healthcare is us. If you have kept the same policy for more than three years, and your health has not changed, comparing prices is advisable. Of course, canceling an in-force...

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Pennsylvania BlueCare Direct Select Health Insurance

We offer Pennsylvania BlueCare Direct Select health insurance plans at the lowest published rates.  Easily, you can review about and apply for the best plans offered for single persons, families or small businesses. This coverage is issued by Blue Cross of Northeastern Pennsylvania and is an underwritten plan, so medical questions must be answered before a policy is approved. Along with Aetna and HealthAmerica, it has become very popular in this part of the state. This policy is a comprehensive plan that offers 100% coverage for common preventative care services, such as childhood immunizations, routine gynecological exams and preventive exams. Other included preventive care services are screening mammograms, colorectal cancer screenings, prostrate screenings and bone density screenings. There is no coinsurance, copay or deductible to meet when using this portion of the policy. Maternity benefits are included along with the standard inpatient and outpatient coverage. By staying “in-network,” you’ll pay less for covered services and receive substantial negotiated discounts. PPO plans allow out-of-network treatment, but with higher out-of-pocket expenses. Regular office visits are also not subject to a deductible. A $30 copay applies to primary care visits and a $50 copay applies to specialty care visits. Unlike BlueCare Direct, BlueCare Direct  Select plans do not have a...

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Your Pa Medical Benefits Will Look A Lot Different

Medical benefit changes are coming to Pennsylvania. But unless you’re uninsured, you may not see this change until 2013…and perhaps not at all. If President Obama signs and passes an overhaul this fall, some tangible changes may be noticed in about three or four years. But it is still possible that legislation will not be enacted. Most Republicans and a growing number of Democrats do not want government-run healthcare. But that may not matter. But if the proposed legislation passes, consumers will be waiting a while to see the results. It may take a few years to implement new regulations, and determine if “Marketplaces” will be run by states or the federal government. Reading And Understanding “The Affordable Care Act” One reason the bill  may not pass is simply most Americans disapprove of the way the process has been handled. The proposed house legislation would outlaw Pa private health insurance in its present form. Most consumers are not aware of that. But don’t feel bad. The President wasn’t aware of it either!  In his defense, It would have taken anybody about 6-9 months to read, study and understand the legislation in its entirety. There are many exceptions to rules, and entire sections that are subject to interpretation in many ways. So what will ultimately change? Based on my 29 years of experience as an independent broker, I believe that insurance will be mandated...

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Assurant Pennsylvania Health Insurance

Assurant Pennsylvania health insurance plans are provided through the parent company, Time Insurance. Time is a reliable and established company and recently, their HSA rates have become very competitive.  Their “short-term” plans offer reasonable premiums in many parts of the state. These plans also offer many coinsurance and deductible options, which is a feature many other carriers don’t offer. Other popular Pa temporary plans include policies from UnitedHealthcare and the Blue Cross companies. Celtic, a smaller company, no longer offers these policies so we typically do not recommend them. Assurant Pricing An important consideration is, of course, their rates. In most areas, their comprehensive plans cost more than other carriers such as Keystone, Geisinger, UPMC, Highmark and Aetna. However, they are one of the few companies to offer “child only” plans. That is, if you want to cover a dependent (without the parents), unless he/she is age 19 or older, there are very few options. Assurant’s “short term” plan will cover your child at a very low premium. You can apply and get approval for a plan within 24 hours. However, if an adult is added to the policy, then most other carriers have affordable plans you can apply for. Also, benefits are likely to be much broader, with lower out-of-pocket costs. HSAs Health Savings Account rates, as previously mentioned, are now “in the...

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