Pennsylvania Health Insurance

The number of uninsured in Pennsylvania has increased from 1 million in 2001 to 1.2 million. The percent of non-elderly adults without insurance increased from 10.8% to 13.2%. These numbers do not include people in Pennsylvania who have more recently lost coverage through the recession, or who had shorter gaps in their coverage. In 1990 Congress passed a law that protects consumers by restricting certain sales practices of insurance agents and companies. It also simplifies policies by limiting the types of plans that can be sold and by specifying exactly what benefits each plan must contain. There are many health insurance options open to those in the state of Pennsylvania who are uninsured or underinsured, but there are several questions to keep in mind during your research. Below VitalOne has provided you with additional information on affordable health coverage in Pennsylvania.

Pennsylvania Individual Health Insurance

Individual health insurance is coverage that a person buys independently. It can be sold to a single individual, to a parent and dependent children, or to a family. Individual health insurance companies in Pennsylvania are much more limited than group insurance companies in their ability to spread risk, so the laws concerning individual health insurance are different in most states. This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them “uninsurable.” VitalOne health insurance agents will help you research and decide if individual health insurance is the best and most affordable option for you.

Pennsylvania Group Health Insurance

The type of health insurance familiar to most people in Pennsylvania is group coverage which is offered by an employer. With group health insurance through your employer, the policy is cheaper because it is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company’s choosing, individual employees are not medically underwritten, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.

Pennsylvania Family Health Insurance

Keeping your family healthy is essential to enjoying the best quality of life. Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance in Pennsylvania usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

There are a variety of family health insurance plans available in Pennsylvania. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs; most preventative care must be paid out-of-pocket. However, it may be suitable if any of your family members are attached to a particular physician or specialist not included in a managed plan network. You need to take your family’s health and needs into account, as well as your own, when choosing affordable family health insurance in Pennsylvania.

VitalOne will assist you in finding the best family health insurance solution for you and your family. Having several members sign up with a different family health insurance carrier than the others may be the best decision for you; or maybe having the whole family under the same insurance policy is ideal. We can help you compare all of your options, and give you several family health insurance quotes from trusted companies.

Pennsylvania Short Term Health Insurance

Companies frequently have a waiting period before new employees can qualify to receive health insurance benefits in Pennsylvania. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company’s insurance kicks in. Cheap short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people in Pennsylvania who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans in Pennsylvania and make it through the waiting period without feeling desperate. VitalOne will compare cost of various health insurance carriers in Pennsylvania at no additional charge to help you locate the best and most affordable coverage.

Pennsylvania Student Health Insurance

Having access to health care when you need it is important at any age, and some colleges may require you to have health coverage in Pennsylvania as a condition of enrollment. There are a number of important facts that students and parents may not be aware of when considering student health insurance in Pennsylvania. Here are a few:

  • Approximately 40 percent of parents mistakenly believed that adult children (ages 21-24) living at home were covered under their health insurance plans.
  • 20 percent of college parents have no idea when their health insurance will no longer cover their college-age children.
  • Most people believed that health insurance for a healthy young adult cost $100/monthly; infact, these policies generally cost $50/monthly.
  • If you’re employed, your first step should be to determine whether your employer offers an employee group health plan, and if so, find out the details. Group health coverage through an employer is typically the easiest to qualify for and is often the most affordable option. In addition, many employers contribute toward some, or even all, of plan premiums.
  • Many colleges and university in Pennsylvania offer low-cost student health plans. Some schools require that you carry some type of comprehensive health care coverage as a condition of enrollment, or may require it as a condition of any study abroad program.