Capital Blue Cross Short-Term health insurance coverage is available. Affordable temporary medical plans for the Central Pennsylvania area are ideal if you only need benefits for six months (or less). Rates are very inexpensive and both individual and family plans can be purchased. If you only need to be covered for a month or two, this flexible plan can also be utilized.
You can cancel benefits at any time, and also renew the policy (subject to underwriting guidelines). It’s a great value for the premium you pay. And just as importantly, the network provider list of physicians and specialists is very large. Although you can seek treatment from an out-of-network provider, the lowest prices are always found by utilizing the BC network.
Impact Of ACA Legislation
It is important to understand that temporary medical policies are typically not a substitute for more comprehensive Affordable Care Act plans that you can also purchase through our website. Since buying a “compliant” policy is mandatory, there are specific benefits that you are required to have. This includes 10 “essential” benefits and no more than 40% out-of-pocket expenses. However, if you have a grandfathered contract, you may keep the policy without risk of a fine. Also, if you are not a US citizen or you are a member of a recognized Indian tribe. NOTE: It is expected that by 2022, new plans introduced by the current Administration will offer lower premiums and more options.
Your application can be declined, based on pre-existing conditions, your medical history, or claims that you have submitted in the past. This is in contrast to policies that can be purchased through the Marketplace. Temporary plans can also deny claims based on symptoms that were present, even though a claim was not formally submitted. If prescription drugs were prescribed for an illness or condition, additional treatment is likely not to be covered.
Avoiding a lapse can sometimes protect your pre-existing benefits, so it’s important to maintain uninterrupted coverage so you can easily transition into your next policy. Usually, you can keep the doctors that you have been using and utilize local providers in the area. And transitioning into another policy is a simple process, as long as you enroll during Open Enrollment or qualify for a specific exception.
The Best Prices Are Here!
We provide the lowest short-term health insurance rates in Pennsylvania from the top companies such as Capital BlueCross, UnitedHealthcare, Highmark and other smaller carriers. This type of policy will provide dependable benefits at a very affordable rate. But we also feel it’s important to properly explain the specific coverages and determine if they are appropriate for you. We represent other companies that may charge a lower rate than this plan. UnitedHealthcare is one example. Their premiums are often 10%-20% lower than Capital’s rates, and UHC is a national carrier.
The Capital Blue Cross plan is not the the cheapest temporary policy, but is one of the few plans that provides preventive benefits at 100%. Most other items are subject to a deductible, which is typical of this type of contract. An RX discount card is provided, although the reduction in cost will only be slight. Coverage for major medical claims, such as hospital stays and ER visits, is very comprehensive. Physician visits for injury or illness are covered.
It’s the perfect fit if you need basic coverage quickly. That may give you time to determine what type of long-term benefits you need. Since it can take approximately 2-4 weeks to approve a more permanent option, the short-term plan will give you a nice buffer until you transition into other benefits. Of course, if you have major medical conditions, and qualify for a federal subsidy, a standard Marketplace plan is the best choice.
A popular buffer occurs when you have a 30-60 day gap before you become eligible for Open Enrollment. Short-term options will provide a bridge of benefits that takes care of that 1-2 month time period.
Deductible options range from $500 to $5,000 for individuals and $1,000 to $10,000 for families. The application is short, and takes about 15-30 minutes to complete. Policies are often approved within 16-48 hours and lifetimes benefits of $1 million are available. Generally, if you have just left an employer, graduated from school or need “gap” coverage until a new policy begins, a short-term plan is advisable. Unemployment benefits do not include medical benefits, so we highly advise adding this policy, if you are not eligible for conventional benefits.
You can always apply for a different type of policy including other BC plans. Also, while you are covered, you can compare more permanent policies with multiple carriers, and if needed, purchase a policy. At designated times, your application is automatically accepted. Illustrated below are sample monthly rates for the 21-County service area.
Sample Selected Male Rates
$65 Male Age 30 $2,500 Deductible
$76 Male Age 35 $2,500 Deductible
$91 Male Age 40 $2,500 Deductible
$89 Male Age 45 $2,500 Deductible
$109 Male Age 50 $2,500 Deductible
Sample Selected Female Rates
$80 Female Age 30 $2,500 Deductible
$91 Female Age 35 $2,500 Deductible
$104 Female Age 40 $2,500 Deductible
$117 Female Age 45 $2,500 Deductible
$134 Female Age 50 $2,500 Deductible
Sample Selected Family Rates
$104 Family (Adult age 35, and one child) $2,500 Deductible
$165 Family (Adult age 45, and two children) $2,500 Deductible
$222 Family (Male age 35, Female age 35 and three children) $2,500 Deductible
$248 Family (Male age 40, Female age 40 and three children) $2,500 Deductible
$280 Family (Male age 45, Female age 45 and three children) $2,500 Deductible
$321 Family (Male age 50, Female age 50 and three children) $2,500 Deductible
$373 Family (Male age 55, Female age 55 and three children) $2,500 Deductible