Pennsylvania Medical Insurance– low cost medical & dental insurance quotes « Health Insurance Advisory

Affordable Individual and Self-Employed Medical Insurance- Pennsylvania

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Get online medical insurance quotes from top health insurance companies in Pennsylvania, such as Aetna Health Plans, Pennsylvania Blue Cross Blue Shield, Celtic Health Insurance, Capital Blue Cross, Coventry Health Insurance, Geisinger Health Plan, Independence Blue Cross and United Healthcare Golden Rule.

We make it easy for you to shop and compare the prices of individual medical insurance plans and health insurance for the self-employed, including High Deductible Health Plans paired with a Health Saving Account in Pennsylvania. You are sure to find affordable medical insurance for you and your family.

Since the new healthcare law went into effect March 2010, individual major medical insurance plans and employer sponsored group health plans have undergone many positive changes that will benefit you. This includes mandated coverage for preventive care services and expanded eligibility for young adults less than age 26. For a summary of the new healthcare law and timeline, including the latest information regarding new consumer protections, visit our healthcare reform blog.

Other types of health insurance that you can shop and apply for online through this site for Pennsylvania include:

Individual Dental Insurance

Are you one of 150 million estimated Americans who do not have dental insurance? If so, have you considered an individual dental insurance plan? Full coverage dental insurance helps maintain proper health and financial well-being. Choose from a variety of plans in Pennsylvania. You can even continue to use your own dentist! Inexpensive dental insurance is perfect for students too. Get a quote and apply online today. It is fast and easy!

Short Term Medical Insurance

Are you between jobs? Want a more affordable alternative to COBRA continuation coverage? Need student medical insurance? If yes, then short term medical insurance may be right for you. These affordable temporary health insurance plans help individuals in Pennsylvania fill a short term gap in coverage, usually 12 months or less. Short term medical insurance also help individuals maintain continuous health insurance coverage in order to preserve HIPAA eligibility status. This is important because HIPAA eligible individuals are guaranteed the right to purchase individual major medical insurance, regardless of their health status.

Guaranteed Health Insurance

If you are unable to qualify for individual major medical insurance in Pennsylvania due to a pre existing health condition or cannot afford it, then a guaranteed health insurance plan or mini med is an alternative worth considering. Also referred to as health insurance for pre existing conditions, this type of individual medical insurance is often called the cheapest health insurance. There is generally no medical underwriting so acceptance is usually guaranteed. Since benefit payments made by the guaranteed medical insurance plan are fixed, the coverage is not considered major medical insurance. Additionally, health conditions that existed prior to the effective date of the medical insurance policy are not covered for typically 12 months. Having some form of medical insurance, however, enables individuals to gain access to the healthcare system in Pennsylvania and typically receive a higher level of care than if they did not have health insurance. Think about it. What is one of the first questions a healthcare provider asks when making an appointment? “Do you have medical insurance?”

Medical Insurance Overseas

Are you traveling from Pennsylvania to a destination outside the United States or taking a school trip to another country? Medical insurance overseas and international student medical insuranceis designed to provide additional protection should you or a family member require healthcare overseas. Since most individual medical insurance offers limited or no coverage outside the United States, make sure you are adequately protected before you leave Pennsylvania. Medical insurance overseas and international student medical insurance provides additional benefits, such as emergency air evacuation and travel assistance if you lose your passport or experience flight delays or cancellations due to weather or other causes.

Critical Illness Insurance

Could your nest egg withstand the financial impact of a critical illness? Even though medical insurance covers the cost of medical services and supplies, surgery and hospitalization, there are still many uninsured expenses, such as deductibles, prescription drugs, home healthcare and private nursing, and lost income/ wages. Critical illness protection insurance will pay a lump sum of cash upon the first diagnosis of a critical illness. Critical illness protection works well with a high deductible medical insurance plan because the premium savings can be used to pay for critical illness insurance and the cash benefit can help cover the high deductible.

Prescription Drug Card

Do you not have medical insurance in Pennsylvania that covers prescription medication? Are you paying for expensive drugs out of your pocket? If yes, then consider a prescription drug card. It can help make the cost of prescription medication more affordable for you and your family. Learn more about how a prescription drug card can help you today!

Free Health Discount Plan

As a thank you to our Pennsylvania visitors, we offer a free health discount plan (not insurance). You will save 13% to 65% on prescriptions at 50,000 participating pharmacies nationally, including major chains. Also, save 25% to 40% over usual dental charges at 101,000 dental providers nationally, and 10% to 50% off eyewear, contact lenses and corrective surgery at 10,500 optical centers and major vision chains! No personal information required. This free drug discount card is even valid on many prescriptions for your pet! Get your free health discount plan now!

State Facts & Health Statistics Pennsylvania U.S. Overall
Total Population 12,286,700 303,343,300
Life Expectancy (years) 77.7 78.0
Median Annual Income $49,829 $49,949
Healthcare Spending per Person $5,933 $5,283
Average Annual % Growth- Healthcare Spending 5.8% 5.5%
Uninsured Population 1,310,000 49,997,900
Average Daily Cost of Inpatient Hospital Stay $1,714 $1,782
Adult Smokers* 21.3% 18.3%
Adult Overweight/ Obesity Rate* 61.4% 60.8%
Child Overweight/ Obesity Rate* 29.7% 31.6%
Adults with Diabetes* 9.0% 8.3%
Alzheimer’s Deaths per 100,000 19.8 22.7
Invasive Cancer Rate per 100,000 503.4 461.8
Heart Disease Deaths per 100,000 199.4 190.9

* % of population
Kaiser Family Foundation Reports- state health facts 2005-2010

Medical Insurance Pennsylvania

  • California second behind Pennsylvania in Pre Existing Conditions Insurance Plan enrollment

    The California Pre Existing Conditions Insurance Plan is now second behind Pennsylvania with the highest number of enrollees in the new government Pre Existing Conditions Insurance Plan. To-date, the golden state has enrolled more than 6,000 residents.

    The new healthcare law requires states to offer health insurance for pre existing conditions to eligible residents. Under the Pre Existing Insurance Plan, an uninsured resident of a state who is a citizen or legal resident of the United States that has a pre existing condition can enroll in their state’s health insurance plan for pre existing conditions.

    For some individuals, the new government Pre Existing Conditions Insurance Plan is the only alternative for individual medical health insurance. Since health insurance companies medically underwrite in most states today, many applicants cannot qualify for or have been declined individual medical health insurance because of their health status. This special low cost medical insurance program, sponsored by the government, is temporary until January 2014 when health insurance companies must accept every applicant for individual medical health insurance, regardless of health status.

    While some people are critical of the California Pre Existing Conditions Insurance Plan, claiming the health plan premiums are too expensive, the cost of comparable coverage in the private insurance market, if the applicant could even get approved, would be three to five times as much, according to Allan Zee of healthinsuranceadvisory.org. ”With premiums starting as low as $199 per month, the California Pre Existing Conditions Insurance Plan is a bargain, especially considering the program is guaranteed medical insurance that provides full major medical coverage, even for pre existing conditions,” says Zee.

    For more information on health insurance for pre existing conditions, visit healthinsuranceadvisory.org.

  • How competitive is your state's individual medical insurance marketplace?

    A new report by the Kaiser Family Foundation reveals the results of an in depth study into the competitiveness of each state’s individual health insurance marketplace. The results will likely surprise you. This report is important because a “competitive” market is considered healthy and robust with no one insurer dominating the market place. Generally speaking, a more competitive market translates to more affordable medical insurance.

    The greater a health insurance company’s market share, for example, the more leverage it has to negotiate deeper discounts with healthcare providers. If the claims expense of other health insurers is higher, then it is more difficult for these carriers to compete for business (higher cost of doing business means higher premiums are needed to cover the added cost).

    For purposes of this study, two factors were measured to determine the competitiveness of each state’s health insurance market. They were: 1) evaluating how much of the marketplace is controlled by one medical insurance company or health plan, and 2) counting the number of insurance companies that compete in the state that have at least a five percent market share.

    Why these two factors? If one health insurer, for example, controls more than 50% of the individual medical insurance marketplace, then that carrier is able to exert more influence over the market, thereby resulting in a less competitive environment. On the other hand, if there are many medical insurance carriers competing for business in a given market with no one company controlling more than 50% of the marketplace, then that market is considered more competitive.

    “Competitive” does not necessarily mean, however, that medical insurance premiums in the state are low cost and affordable. Although New York, for example, has a very competitive individual medical insurance market (five 5 insurers with more than a five percent market share with no one carrier having more than 34% market penetration), it is one of the least affordable states for medical insurance. Why? Medical insurance premiums are based on the cost of healthcare. If the cost of medical services and supplies are expensive, then so will the cost of insurance. In sharp contrast to New York is Alabama. Considered the least competitive market for individual medical insurance, Alabama has only two insurers with more than a 5% market share, but one carrier has an 86% market share.

    States with the least competitive individual medical insurance marketplace include:

    • Alabama
    • District of Columbia
    • Illinois
    • Indiana
    • Iowa
    • Kentucky
    • Louisiana
    • Maryland
    • Minnesota
    • Nebraska
    • New Hampshire
    • New Jersey
    • North Carolina
    • North Dakota
    • South Dakota
    • Vermont
    • Virginia

    States with the most competitive individual medical insurance marketplace are:

    • Colorado
    • Georgia
    • Missouri
    • New York
    • Oregon
    • Pennsylvania
    • Tennessee
    • Wisconsin

    The three states with the highest number of health insurance companies competing for individual medical insurance business are Colorado, Georgia and Oregon.  Each of these states has seven health insurers that have at least a five percent market share.

    As it relates to the remaining states not mentioned above, the study reported that a single insurer dominated at least 50% of the individual market, resulting in a less competitive climate.

    Regardless of what state you live in, it always pays to shop for an individual medical insurance plan to ensure you secure the highest quality, lowest cost health insurance plan available. Our online health insurance quotes will enable you to run side by side comparisons of health plans from top medical and dental insurance carriers in your state. Get started today!

  • Top 10 Private Health Plans

    The National Committee for Quality Assurance (NCQA) recently published the results of their annual survey, called “NCQA’s Health Insurance Plan Rankings.” It evaluated 390 health plans in three categories: 1) Medicare, 2) Medicaid and 3) Private (commercial) Health Insurance Plans. While the rankings are predominantly focused on quality, consumers must still do their own homework to determine if a particular health plan provides affordable medical insurance.

    For individuals seeking enrollment in a Health Maintenance Organization (HMO), this report is useful because it provides information, such as overall member satisfaction, quality of medical care provided and emphasis on wellness/ prevention. Unlike a traditional Preferred Provider Organization (PPO) where there is more control and flexibility over healthcare treatment (not required to select a primary care physician or obtain a referral to see a specialist), you have less choice, freedom and flexibility with HMOs. As a result, you want to confirm the HMO health plan provides high quality care and receives satisfactory rankings from its existing members.

    If you need assistance understanding the many different types of health insurance, visit our Medical Insurance Research Center. You will find a health insurance glossary of terms and a medical insurance Buyer’s Guide and Checklist that provides handy tips regarding how to secure low cost medical insurance.

    The rankings are based on the combined scores for health plans in Healthcare Effectiveness Data and Information Set, commonly called HEDIS; the Consumer Assessment of Healthcare Providers and Systems, or CAHPS, and NCQA Accreditation standards score. Consumers and employers assess plans assess plans prior to annual enrollment periods.

    While this is the sixth year of the survey, historically, only HMOs were evaluated. This year, however, marked the entry of PPO Plans to the survey.

    The top 10 Private Health Plans for 2011 are:

    1. Harvard Pilgrim Health Care (HMO/POS Plans) – serving Maine and Massachusetts, this health plan earned a near perfect score for prevention services
    2. Tufts Associated Health Maintenance Organization (HMO/POS Plans) – serving Maine, Hew Hampshire and Rhode Island, this health plan received high marks for consumer protection, quality improvement and clinical effectiveness. It also has the highest enrollment in consumer driven health plans in the state
    3. Capital Health Plan (HMO Plan) serving residents primarily in Tallahassee, Florida and the surrounding areas, this health plan earned the highest consecutive overall ranking for all categories evaluated
    4. Tufts Health Plan (PPO Plan) – serving Maine, New Hampshire and Rhode Island, this is the first PPO Plan to earn a top spot in the report
    5. Harvard Pilgrim Health Care of New England (HMO /POS) – serving Massachusetts and Maine, this health plan touts direct contact with members across three states and overall excellent communication
    6. Kaiser Foundation Health Plan of Colorado (HMO Plan) – serving Colorado, this health plan, ranked high for consistent quality improvement and relentless drive toward achieving the highest quality healthcare possible
    7. Group Health Cooperative of South Central Wisconsin (HMO Plan) – serving Wisconsin, this health plan is recognized as having the highest ranking in quality among all managed healthcare organizations in the state
    8. Geisinger Health Plan (HMO/POS Plan) – serving residents of 43 counties throughout central and northeastern Pennsylvania, this health plan is one of the nation’s largest rural HMO’s
    9. Harvard Pilgrim Health Care (PPO Plan) – serving Massachusetts, this health plan earned near perfect ratings for prevention services. Also, it is the highest ranked health insurance plan for overall member satisfaction in the New England Region according to J.D. Power and Associates 2011 Members Health Insurance Plan Study
    10. Health New England (HMO /POS Plans) – serving western Massachusetts, this health plan ranks highest in customer satisfaction.

    As a private 501(c)(3) not-for-profit organization, NCQA’s purpose is to improve health care quality. Since 1990, NCQA has been a central figure in driving improvement throughout the health care system, helping to elevate the issue of health care quality to the top of the national agenda.

    For online health insurance quotes from these and other health insurance companies and medical plans, click here.


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