About Health Insurance in Pennsylvania
Individuals living in Pennsylvania have access to a variety of quality health care companies, and we are here to find the most effective one for your needs. East Coast Health Insurance connects you with the best Pennsylvania health insurance available, through trusted names such as Aetna, Health America (a division of Coventry), and UnitedHealth One.
- Total Population: 12,422,200
- Total Uninsured Population: 1,361,700 (16%)
- Average Cost of Inpatient Hospital Visit Per Day: $1,906
- Average State Premium for Individual Health Insurance: $225
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Pennsylvania
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak directly to a Pennsylvania agent over the phone at 888-803-5917.
Pennsylvania Health Insurance Market & Laws
Pennsylvania’s health insurance regulations are like other states, in that once you have a health plan and your term ends, your insurance company must renew the same plan. This applies on the condition that you have not violated your policy terms or missed any premium payments. The guaranteed renewability provision is helpful when your insurance runs out and you wish to keep the same benefits.
Health insurance laws in Pennsylvania also mandate that newborns and adopted children are placed automatically on their parents’ individual insurance plan for the first 31 days after birth or adoption. If your insurance plan has the capability of coverage for dependents, then this law applies. After the 31 day period, it is necessary to change your policy and officially add a dependent.
Pre-existing conditions can be given an exclusion period by all health insurance companies in Pennsylvania. The insurance company has the ability to decide whether or not you will be paying for your pre-existing condition, and how long that will last, though it must not exceed 12 months. In Pennsylvania, a pre-existing condition is any condition for which you received treatment within 5 years before you applied for health insurance.
Insurance companies have control over how much you will pay for health insurance or whether to sell it to you at all, based upon your health and age. In Pennsylvania, Blue Cross Blue Shield cannot refuse health insurance to any resident. Their premium costs are dependent upon age, size of your family, gender, and the level of coverage. Poor health will never affect your eligibility for Blue Cross Blue Shield of Pennsylvania.
Residents of Pennsylvania are given the following as mandatory benefits when they have health insurance:
- Diabetes care
- Mental health care
- Maternity care during and after pregnancy
- Immunizations for children
- Breast and cervical cancer screenings
For further information on benefits and coverage laws, visit the Pennsylvania Department of Insurance site.
1. Kaiser Family Foundation, “Pennsylvania – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Pennsylvania Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Pennsylvania.html