Pa health insurance companies offer a wide range of coverage. We teach you about these carriers, their prices, and provide a free guide and information so you can easily learn about different options before applying through the Exchange for a policy. No "discount" plans are ever used. Also, if a contract is not rated by A.M. Best Company, we will not offer coverage from them. When you view quotes on our website, you'll be able to easily compare rates and benefits from the best plans in the state.
Some of the companies we represent include Highmark, Keystone, Aetna, UPMC, UnitedHealthcare, Capital Blue Cross, Independence Blue Cross, Geisinger, Ambetter, and Humana. We also provide rates, reviews, and information on companies that specialize in Senior Medigap, Medicare Supplement, and Advantage options. Part D prescription plans are offered for Seniors that need drug benefits.
Coventry Health Care is an Aetna subsidiary, who is a diversified national managed health care company based in Bethesda, Maryland. Their business partially consists of managing health plans, insurance companies, and rental and workers' compensation services companies. They were founded in 1986, and currently do not offer single or family on or off-Marketplace plans. HealthAmericaOne and AltiusOne offer coverage through Coventry.
First Health Network Solutions offers PPO network options that help reduce customer out-of-pocket costs. As a directly-contracted PPO, remote pricing, and electronic submission help improve quality and the claims-submission process. Behavioral Health through the "Total Behavioral Solution" is popular with employers and public programs. Advantra HMO Medicare Advantage plans are popular Senior products.
Aetna is one of the largest US health insurance companies. They were founded in 1850 and provide coverage in all 50 states. Aetna was ranked number 2 in the healthcare category in Fortune Magazine's "Most Admired Companies" lists. Last year, they merged with CVS, 0ne of the largest US pharmacy chains. The $70 billion merger was approved by the US Justice Department. More affordable integrated medical coverage should become available within the next few years.
CVS walk-in MinuteClinics are expected to increase in popularity. Most insurance is accepted, and covered services include allergies, sinus infections, urinary tract and bladder infections, screenings and monitoring, vaccinations and injections, annual physicals, sports physicals, TB testing, and women's services.
They have a wide portfolio of products including comprehensive Group HMO policies (in some states) and lower-cost Group HSA policies. Voluntary benefits, international coverage, retiree plans, and public sector options are also offered. Their individual Marketplace plans were previously very popular in Pennsylvania, including the Bronze $15 copay and Silver $10 copay. "Leap" plans were offered in the Philadelphia area. However, Aetna exited the private individual market three years ago.
Aetna's Pa Senior portfolio is very extensive, and includes Medicare Supplement, Advantage, and Part D prescription drug plans. Policy options include Advantra Silver, Advantra Choice Plan, Aetna Medicare Silver, AdvantaOne, Adantra Silver, Advantra Gold, Aetna Medicaee Gold, Advantra Basic Medical, Aetna Medicare Rx Saver, Select, and Value Plus.
They also made the decision (like many companies) to not offer policies on the State Exchanges. Aetna's PPO network is also utilized by National General Life in many states for their short-term coverage. Although not offered in the Keystone State, 12-month temporary plans provide low-cost options throughout the year. National General utilizes the Aetna PPO network, and offers $50 Urgent Care copays without a deductible requirement.
UnitedHealthcare serves more than 26 million clients. With 33 years of experience and 4700 Network hospitals across the US, UnitedHealthcare is one of the biggest players in the industry. They write health or Medicare business in most states and every large city. However, single and family Exchange plans are not offered in Pa. Previously, UHC offered Marketplace plans in 23 states, including Bronze Compass HSA 5500, Bronze Compass 6500, and Silver Compass 4500.
In Pennsylvania, Group (large and small), ancillary, and Senior Medicare plans are available along with "short-term" contracts. Available at all times throughout the year, temporary policies are very affordable and can be approved within 24 hours after completing a simple 15-minute online application. However, these options do not cover pre-existing conditions, or qualify for the Obamacare tax credit. Seniors can choose among many AARP-UnitedHealthcare options including Medigap Plans A, B, C, F, K, L, and N. A guide to all plan options is also found here.
AARP-UnitedHealthcare Senior plans are offered (Supplement, Advantage, and Part D). AARP membership is required for Supplement enrollment. UHC pays royalty fees to AARP, who is not an insurance carrier. Pa Advantage contracts include AARP MedicareComplete Essential, AARP MedicareComplete Plan 1, AARP MedicareComplete Plan 2, and AARP MedicareComplete Plan 3.
Blue Cross consists of four companies in Pennsylvania. Highmark Blue Cross Blue Shield serves 29 counties in the Western area. Highmark Blue Shield serves several areas. Independence Blue Cross (Keystone) serves the Southeastern (Philadelphia) area. And Capital BlueCross (Yes, that is the correct spelling) serves 21 counties and the Lehigh Valley in the Central area. Blue Cross of Northeastern Pennsylvania merged with Highmark in 2015 and is no longer a separate company.
A wide selection of plans is available with many copay and deductible options. Plans and rates can vary sharply by area. HMOs and high deductible plans are very popular Pa Blue Cross choices, and rates are generally quite competitive when compared to other carriers. Group medical and dental benefits are provided to many small and large employers in the area. PPO options provide a large local network of providers.
Highmark BCBS competes with UPMC for business in the Western portion of the state. In the Philadelphia area, only Ambetter can provide competitive prices when comparing to Keystone (Independence BC). Network providers also offer coverage in parts of Delaware and New Jersey. Popular under-65 Blue Cross policies throughout the state include Highmark my Direct Blue HMO and EPO Bronze 7900, Highmark my Direct Blue HMO and EPO Bronze 4000, Highmark my Direct Blue EPO Silver 4450 HSA, Capital Blue Bronze PPO 7350/0/60, Independence Blue Cross Personal Choice EPO Bronze Reserve, and Independence Blue Cross Personal Choice PPO Bronze.
UPMC offers many affordable options in the Western and Central portion of the state. Both comprehensive and high deductible policies are available to individuals and families. Rates for HSA and high-deductible options are very competitive. You can view their information on this page. Generally, UPMC prices are more competitive than Highmark when comparing under-65 plans.
President and CEO Diane P. Holder has reiterated that UPMC will continue to offer Exchange policies, despite many other carriers exiting the marketplace. J.D. Power also recognizes their plans as having the highest "customer satisfaction" of any Pa carrier. Their main competitor Highmark has also indicated they will continue to participate in the Obamacare Exchange.
Individual policies utilize the Partner, Select, and Premier networks. The "Advantage Bronze" and "Advantage Silver" plan options offer copays on pcp office visits and are generally among the most affordable comprehensive plans offered. A $0 deductible plan is also available. UPMC For Life plans offer Medigap coverage to Seniors. The six available policies are HMO, HMO Deductible With Rx, PPO High Deductible With Rx, HMO Rx, PPO Rx Enhanced, and HMO Rx Enhanced.
UPMC Hospitals provide about $1 billion each year in community benefits. Currently, there are more than 30 hospitals and 700 physician offices and outpatient facilities to serve the Keystone State. The four divisions of the hospital are UPMC International, UPMC Enterprises, Provider Services, and Insurance Services.
Available in 41 Pa counties, Geisinger plans are very popular with consumers that prefer to stay in-network within their area. Currently, more than 500,000 persons are covered by single, family, or Group plans. Although service is typically personable and considered high-quality, treatment outside of the network results in much higher out-of-pocket costs, unless it is considered an emergency. However, with more than 25,000 physicians and 100 hospitals, generally, you don't have to drive far to be treated.
A wide range of business, single, and family plans can be purchased with or without a federal subsidy and many comprehensive wellness programs help keep patients healthy. Many popular Marketplace plans for persons under age 65 and who are not Medicaid-eligible are available for easy enrollment. Several popular plans include Marketplace HMO 30/60/6600, Marketplace PPO 30/60/6600, Marketplace Extra HMO 10/50/4500, Marketplace HMO 20/40/3000, and Marketplace Extra 10/50/5000.
Senior Geisinger Gold Medicare Supplement options include Plans A, B, C, F, F (High Deductible), M, and N. Five prescription drug plans (Gold Classic Complete Rx, Gold Preferred Complete Rx, Gold Secure Rx, Gold Preferred Advantage Rx, and Gold Classic Advantage Rx) are available. Medicare Advantage plans offered include Gold Preferred Complete, Gold Classic Essential Rx, Gold Classic Complete Rx, Gold Preferred Enhanced Rx, Gold Preferred Advantage Rx, and Gold Classic Advantage Rx.
Ambetter offers Marketplace plans in the Philadelphia area. It's possible that in the future, additional areas of the state will be added. Currently, coverage is available in many other states, including nearby Ohio and Indiana. Popular copay plans are the Balanced Care 11 ($30 and $60 office visit copays), Balanced Care 5 ($40 and $80 office visit copays), and Balanced Care 3 ($30 and $60 office visit copays).
The parent company, Centene Corporation, is a Fortune 500 company that offers products and services in 32 states. More than 14 million persons are covered under managed care plans. Community investments in social services, arts, education, and health services are common in their service areas. Pa Health and Wellness issues policies in the state.