Increases in Pennsylvania health insurance costs have made the threat of illness or injury potentially devastating for Pennsylvania residents without health or medical insurance in recent years.
For those who are desperately searching for affordable Pennsylvania health insurance, you have come to the right place. With just a little information, InsureMe can match you up with local agents who are ready to compete for your Pennsylvania health and medical insurance business.
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Two different health insurance categories generally offer Pennsylvania health and medical insurance: group and individual. Typically, an employer offers its employees Pennsylvania health insurance through a group plan, whereas a Pennsylvanian purchasing a health care plan on his or her own from an agent or company purchases an individual health plan.
The types of Pennsylvania health insurance policies presented may include:
Fee-for-Service plans enlist the health insurance company in paying all or a portion of medical bills after the ensured has received treatment. Usually, any doctor or health care provider may be chosen.
In contrast, managed-care plans provide comprehensive services and medical treatments to enrollees for a periodic, fixed fee. However, those utilizing this type of coverage must usually use contracted health care providers, who service their needs and charge negotiated rates. If an ensured chooses to go outside the contracted network of Pennsylvania health care providers, coverage may not be extended, except in case of an emergency.
Pennsylvania residents may take advantage of many different types of health insurance coverage. Talk to your insurance agent or company to determine which coverages are necessary or warranted in your particular situation.
Basic hospital, surgical and medical insurance pays daily hospital room and board costs. This coverage also pays for specified hospital services and supplies up to a predetermined amount. Time and dollar limits apply to these benefits, so your Pennsylvania health insurance provider may pay the total costs incurred, a fixed amount per day, or simply a fixed percentage of all covered costs for a certain length of time.
Major medical insurance provides broader coverage than basic health insurance. Its intent is to provide additional protection against the high costs associated with serious or continuing illness. Benefits are payable for longer periods of time, and a large maximum lifetime benefit is provided, instead of smaller dollar and time limits.
Many supplemental Pennsylvania health insurance policies are also available, including disability, long term care, accident and Medicare Supplement.
How to Shop for Pennsylvania Health/Medical Insurance
Keep these tips in mind when looking for Pennsylvania health insurance coverage:
If You Can't Find Coverage
If you have difficulty acquiring the Pennsylvania health or medical insurance you need, guaranteed coverage is available. All Pennsylvania residents are eligible for individual health insurance through plans provided by Blue Cross and Blue Shield. However, these plans may give you limited choices, and a preexisting condition exclusion period may apply.
Direct any additional questions to the Pennsylvania Insurance Department's toll free Consumer Line at 877-881-6388, or access them online at www.insurance.state.pa.us.
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