Pennsylvania Health Insurance
As a resident of Pennsylvania, you have plenty of Pennsylvania health insurance options to choose from. There are multiple insurance companies in Pennsylvania that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Pennsylvania. See some of the state's top health insurance companies and read about the important Pennsylvania health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Pennsylvania health insurance programs.
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Resources on this page
Pennsylvania Health Insurance Laws and Regulations
Public Health Insurance Programs for Pennsylvania Residents
Pennsylvania Health Insurance High Risk Pools
Pennsylvania Health Insurance Companies
Contact Info for the Pennsylvania Insurance Department and Department of Health
Pennsylvania Health Insurance Laws and Regulations
Most Pennsylvania health insurance companies will look at an applicant's health before they accept the applicant into a plan and set premiums. But the Blue Cross and Blue Shield companies are required to offer a guaranteed issue health plan, where every applicant is accepted.
Pennsylvania health insurance shoppers are also protected under the federal HIPAA, if they recently left a group health plan with an employer and meet other requirements. Insurers are required to accept all HIPAA-eligible residents and cannot restrict coverage.
Pennsylvania health insurance law also requires all health plans to cover these medical services:
- Mammograms and cervical cancer screening
- Diabetes care
- Post-delivery care for new mothers
- Vaccinations for children
Pennsylvania health insurance companies must also cover mental health conditions and physical health conditions equally.
Pennsylvania Public Health Insurance Programs
The public Pennsylvania health insurance programs help low-income residents obtain health insurance coverage. They include:
- Medicaid (Medical Assistance)
The Medicaid program in Pennsylvania is known as Medical Assistance and provides low-earning residents and disabled citizens health coverage. To learn more about Medical Assistance, find it on their website. - Pennsylvania's Children's Health Insurance Program
For some children who do not qualify for Medicaid, but cannot afford private insurance, they can get covered through PaCHIP. Learn more about PaCHIP here. - Pennsylvania adultBasic
This program is designed for adults who have no health insurance and meet eligibility requirements. To find out more about the adultBasic Pennsylvania health insurance program here. - The Healthy Women Project
This program, also known as the Breast and Cervical Cancer Prevention and Treatment program, provides free cancer screenings for low-income women. Learn more about this Pennsylvania health insurance program for women online. - Pennsylvania Medicare
Seniors can find Pennsylvania health insurance through Medicare Advantage, Supplement and Original Medicare.
The Federal Health Coverage Tax Credit is also available for Pennsylvania trade workers and early retirees. This tax credit helps pay for health plan premiums. Learn more about the FHCTC here.
Pennsylvania Health Insurance High Risk Pool
Residents in Pennsylvania with pre-existing conditions can get health insurance from the temporary high risk pools established by the Patient Protection and Affordable Care Act.
The Pennsylvania Health Plan (NHHP-Fed) will run similar to regular Pennsylvania health insurance policies. The plan will require enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the Pennsylvania program will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium costs for Pennsylvania residents are around $283. The plan includes a $1,000 deductible for in-network visits and $10,000 for out-of-network visits. There is also a $5,000 out-of-pocket limit for in-network.
Those eligible for the plan will have health insurance coverage for hospital and doctor visits, emergency services, prescription drugs and more.
Individuals may apply for the Pennsylvania PCIP if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the Pennsylvania health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Pennsylvania:
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
AetnaAARP Health Insurance
Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Capital BlueCross Health Insurance
Capital BlueCross has been providing its 1.4 million members with the utmost value in health insurance since 1938 with its extended network of over 11,000 providers and 37 hospitals.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
First Priority Life Health Insurance
Starting in 1938, Blue Cross of Northeastern Pennsylvania covers nearly 600,000 customers. Blue Cross of Northeastern Pennsylvania and their subsidiaries offer comprehensive portfolios of health insurance to customers in northeastern and north central Pennsylvania.
Geisinger Quality Options Health Insurance
Geisinger Quality Options is one of the nation's largest rural HMOs and provide high quality, affordable health insurance benefits using their network of providers, consisting of over 37,000 physicians, facilities, and hospitals.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Health America Health Insurance
In Pennsylvania and Ohio, Health America's care network includes 26,000 physicians and more than 200 hospitals. Their health plans were also rated number one by the NCQA in more categories than any other Pennsylvania insurance company.
IBX Health Insurance
Independence Blue Cross provides high-quality health insurance coverage for more than 3 million residents of Pennsylvania. IBC offers a variety of individual and family health insurance options at affordable rates.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
UnitedHealthOne Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Pennsylvania Insurance Department and Department of Health
Find the contact information for the Pennsylvania health insurance and health departments at:
Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, PA 17120
Phone: (877) 881-6388
http://www.ins.state.pa.us/ins/site/default.asp
Pennsylvania Department Of Health
Health and Welfare Building
7th & Forster Streets
Harrisburg, PA 17120
1-877-PA-HEALTH
http://www.dsf.health.state.pa.us/
