Pennsylvania Health Insurance

Pa catastrophic (high deductible) health insurance plans are an affordable low-cost option to reduce rates, and still maintain major medical benefits. We specialize in helping Keystone State residents find the least expensive catastrophic coverage with top-ranked companies, that cover emergencies, and offer 100% preventative benefits. The combination of higher deductible plans and supplemental coverage is often a popular cost-saving option and saves money when compared t0 other QHPs (Qualified Health Plans). After Open Enrollment ends, you can continue to buy qualified plans with an approved SEP exception. Seniors can consider a Plan F (HD) or Plan G (HD) Medicare Supplement plan option that features a $2,800 deductible. Plan G (HD) was introduced four years ago and is available to new and existing applicants. Plan F (HD) is not offered as a new-enrollment plan. The deducible is the annual out-of-pocket expenses (not including the policy premium) that a beneficiary pays before benefits begin. Annually, the deductible changes, based on the Consumer Price Index (CPI). The new deductible is typically calculated in mid-September. What Is Catastrophic Health Insurance? This type of benefit provides quality high-deductible medical coverage for individuals, families, and Seniors. HSAs and Medicare Part D plans for Seniors are popular options, along with catastrophic-tier Marketplace...

Pa Golden Rule health insurance plans are offered through this website, your one-stop shopping experience for short-term and long-term medical coverage. UnitedHealthcare, the parent company of GR, offers affordable policies to single persons, single parents, children, families, the self employed, students and the uninsured. Whether your need is catastrophic, copay, short-term or long-term, we help you compare all of the available plans and apply directly for benefits. GR offers coverage in more than 40 states, and utilizes the UnitedHealthcare network. The A.M. Best Company rating is "A" while the Standard And Poors rating is "A+." For more than 60 years, consumers have selected these plans for their primary and secondary coverage. In addition to temporary benefits, ancillary and supplemental coverage helps fill many of the gaps that standard Marketplace or Group plans may not provide. Often, this type of plan is used if you are waiting for Medicare benefits to begin, or if COBRA and Marketplace rates are too high. The personal and group rates you view are the lowest prices provided to the public. We also discuss  the impact of the constantly-changing healthcare system, and how you can utilize several available options to reduce your premium. Most importantly, we have devoted the top portion of the page for you to easily view your free quotes. You can have prices emailed or...

Pennsylvania health insurance providers offer comprehensive, catastrophic, Senior Medicare, student and short-term temporary coverage to Pa residents. Many plans are available at very low rates. As one of the state’s leading authorities for providing affordable healthcare coverage, we represent all of the large companies. Our unbiased information, advice and online quotes are free, and allow you to view the best prices in minutes. Medigap, Medicaid, and under age-65 plans are available. We help you find the carriers that offer the least expensive prices, while maintaining the services you need most. The most important factors  include the type of benefits you need, your budget, the networks of your personal physicians, and what level of  subsidy you are likely to receive from the Pennie Exchange. We have listed below details and important information about many of these carriers. If the ACA Legislation is changed or altered by current or future administrations, additional plans will be offered by many of the companies listed below. Any changes, if approved, may be completed by 2022. Companies Aetna (a CVS company) offers an extensive combination of PPO and HMO Pennsylvania Group and Senior insurance plans. As the first national, full-service health insurer to offer individual consumer contracts, Aetna also features various competitively-priced Senior Medigap plans for...

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...

Pennsylvania catastrophic major medical insurance is the least expensive form of healthcare coverage. Usually, costs are about 25%-50% less than standard policies and as much as 60% less than employer-sponsored medical plans (assuming the employer is not paying any of the premiums). Personal high-deductible medical rates in the Pittsburgh, Harrisburg, Scranton, Reading, and Philadelphia areas have remained attractive when compared to other large nearby cities. "HDHP" plans are required if you purchase an HSA account. Policies are available privately and through employer group coverage. While Keystone State health insurance rates have been slowly spiraling upward, many individuals and families are turning to “high deductible” or “catastrophic” plans to minimize their cost. The potential savings can be huge, especially over the lifetime of the policy. Also, rates tend to increase less on policies with higher amounts. By selecting deductibles of $4,000, $5,000, $7,000, or $8,550, premiums can dramatically reduce. If you currently are being treated for a serious ongoing illness, it may not be wise to increase your potential out-of-pocket costs. Several types of plans (non-compliant short-term) may also require multiple deductibles to be met during the calendar year. Depending upon the plan, a deductible may apply to inpatient and outpatient hospital visits, and perhaps a separate...

Affordable personal Capital Blue Cross health insurance plans can be purchased directly through this website and through the Pennie Exchange. We offer the lowest available rates for individual and family policies, and we also research each plan so you’re provided with quality benefits that match your personal needs. Group plans are available to small and large employers. Enrolling through the Pa Marketplace can be quite a challenge, so we simplify the process so that you are quickly covered both during and after the Open Enrollment period. Senior Medigap plans are also reviewed and compared, including Advantage, Part D, and Supplement options. We always put you, the consumer, first when reviewing Capital Advantage Assurance Company plans or applying for a policy. There are hundreds of options that are offered and we'll make sure you're able to view the best choices that provide the greatest value. If you are eligible for a federal tax credit/subsidy, your premium could substantially reduce. You may also purchase non-Obamacare coverage. Updated rewards and resources include health assessment (confidentially track your health goals and receive personalized reports) and digital health tools (articles, recipes, how-to guides, and free interactive programs). Additional free programs include Blue365 (health and wellness deals and offers), Capital Blue Cross Loop (money-saving tips...

Quality medical insurance in Pennsylvania doesn’t have to be expensive. We help consumers that need coverage for a few months, or need a policy to last a decade. There are many affordable individual Pa medical options that are very inexpensive. What makes this website so helpful is that we can quickly review hundreds of different plans, and determine the 5-10 best policies that will be the perfect solution for your situation. Regardless if you need Senior supplemental coverage, or an individual plan, we can help. And of course, a live experienced broker is available at any time to help you apply for a policy. However, you can also apply directly to the carrier from our website. You simply answer some questions without talking a physical. Underwriting your application does not take long and we can guide you throughout the brief process. We feel that the "quality" of the coverage you get, is just as important as the cost. Even the least expensive Pennsylvania health care plans will offer some benefits that you may not realize are included. For example, on most non-temporary plans, national health care reform changes from 2010 now require all qualified preventive benefits to be covered at no cost to the policyholder. There are no deductibles, waiting periods or coinsurance limits that needs to be met. Do you need a physical for work or school? No problem, since your policy...

Pa medical plans for self-employed persons are available to residents of Pennsylvania at very affordable rates. If you are an independent contractor, or work for yourself, live in Pennsylvania, and pay for your own healthcare, many of the bigger insurers in the state provide low cost plans that will provide the coverage you want at a price you can afford to pay. Small business owners can easily find competitive options that could potentially save thousands of dollars each year. And usually these options cost much less than COBRA rates. Operating a small business is not easy, so we try to help as much as possible. Note: If you are self-employed but have no active employees, you and your business are not considered an employer. Obamacare Affects The Self-Employed It's hard to believe, but almost 50 million persons in the US are working for themselves. Perhaps you're one of them. An independent contractor or a part-time employee with another job on the side. Obviously, some businesses are quite larger than others. But providing affordable medical coverage always seems to be one of the biggest challenges. Regardless if  you live in a large city such as Pittsburgh, Philadelphia, Harrisburg, or Reading, or a smaller town such as Mt. Lebanon, Hershey, Chambersburg, or Dillsburg...Finding low-cost medical coverage is always a priority. And to further complicate the situation, in 2014...