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Pennsylvania health insurance
With the rising cost of health care in the country, having a suitable health insurance plan is of utmost importance. Health insurance is needed for a secure and financially stable future. If you are a resident of Pennsylvania and are looking for a suitable health insurance plan, we have all the information you need. On this page, we provide you with details on all the information you need about health insurance options in Pennsylvania.
Individual health insurance in Pennsylvania
There are a number of options you can try when you are looking for individual health insurance in Pennsylvania. However, remember that medical underwriting is offered in the state of Pennsylvania. This basically means that an insurance carrier may refuse your application for health insurance based on your medical status. It also decides whether a waiting period should exist before the company provides you covers for pre existing conditions. Unfortunately, the carriers may impose an exclusionary period of 36 months after a look back of 60 months at your medical condition.
When you are going for a health insurance plan, there are certain aspects you would need to consider. These include the deductibles charged by the plan and other out of pocket costs like co insurance and copayment. Also consider the suitability of the plans you are looking at. Consider the benefits offered by the plan and their relevance to you. You have a choice of HMOs, PPOs or POS type of plans.
The state of Pennsylvania does not offer a high risk pool. However, the BCBS group of companies offers certain plans for the medically uninsurable.
Group health insurance in Pennsylvania
If you are currently employed in a company that offers a group health insurance plan, you may not find it difficult to secure insurance. However, medical underwriting is allowed in the state and there is a look back period of six months. Also, the company may impose a 12 month exclusionary period on you if you did not possess a suitable health cover previously.
COBRA coverage in Pennsylvania
Employees in Pennsylvania can avail of health covers under the consolidated omnibus budget reconciliation act. According to this act, employers who have more than 20 employees and are providing health covers to them are obligated by law to continue those covers and benefits if the employee leaves employment for any reason. The covers must also be extended to his family.
Medicaid coverage in Pennsylvania
Medicaid is a joint program administered by the federal and state governments. Under this plan, long term care and medical services are provided to people who have low incomes, especially pregnant women, some people under Medicare and disabled people. However, certain income criteria have to be satisfied before they become eligible.
Other health insurance options in Pennsylvania
Children under the age of 19 who are residents of Pennsylvania and are US citizens are also offered coverage under the CHIP program. However, they need to be ineligible for Medicaid. Also, they should not have had health covers in the 6 months preceding the application. They must also fulfill certain income criteria before they become eligible for covers.
Easy Quotes from the Top Pennsylvania Health Insurance Carriers
Our service will put you in touch with the most suitable Pennsylvania health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Pennsylvania Health Insurance
Our process is fast, free and easy. You have to fill out a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as this form is completed, you will receive instantaneous quotes from the top carriers. You can even buy the plans online. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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