Pennsylvania Health Insurance

There are many types of Pennsylvania health insurance plans. “Catastrophic” and “HSA” plans will tend to be the least expensive options, but feature high out-of-pocket costs to the insured. “Comprehensive” plans offer lower out-of-pocket costs on the most common claims, but are the costliest type of coverage. For families, typically, this is a very popular type of policy, and similar to employer-sponsored plans. Large unexpected medical bills can be easily covered, along with smaller day-to-day items such as physician visits for common colds, the flu, stomach viruses, and other non-serious conditions. HMO, PPO, EPO, and POS contracts are available for enrollment. Utilizing the provider network can easily save thousands of dollars of out-of-pocket medical expenses. ER and Urgent Care claims are often covered by copays instead of a large deductible. Telemedicine visits have become very popular because of the 24/7 availability, ease of use, and low cost. Many carriers offer $0 copay for virtual and telemedicine  visits. Medical advice can be received at your home, office, or another location. Prescription drugs can also be quickly prescribed. Often, after hours, Urgent Care facilities are not open and telemedicine visits are the best option. More serious diagnosis, such as COVID and other epidemics, typically require a face-to-face visit. Pa comprehensive health insurance covers...

Pennsylvania BlueCare Direct Advantage health insurance coverage was previously offered through our website at the lowest published prices. This plan was issued through Blue Cross of Northeastern Pennsylvania (BCNEPA), and was ideal if you are self-employed, retired, just out of college or without healthcare benefits. The plan is no longer available since BCNEPA merged with Highmark. We offer unbiased help so you can understand the plans and if they are your best option, apply for coverage. You previously could purchase this plan if you resided in the following counties: Tioga, Lycoming, Clinton, Sullivan, Bradford, Wyoming, Carbon, Susquehanna, Pike, Wayne, Lackawanna, Luzerne and Monroe. If you lived in a different county, you were still able to apply for a Blue Cross plan in a different area. HDHP-Eligible BlueCare Direct Advantage is a qualified high-deductible plan that provides benefits often not covered under other individual/family contracts such as preventative health services, maternity, and wellness programs. And because it is considered a high-deductible health plan (HDHP), you can combine a Pennsylvania HSA with the policy. (The Affordable Care Act mandates preventive services on all plans) This policy is underwritten by First Priority Life Insurance Company and by using the Blue Card, your coverage can potentially expand to outside the US. An HSA is a private...