Pennsylvania Medicare Plans and Pennsylvania Health Insurance Plans

Pennsylvania Health Insurance Plans

There are a wide variety of Pennsylvania Medicare Plans for people aged 65 years and older, or with disabilities. There are also Pennsylvania Health Insurance Plans for people under age 65. The total population of Pennsylvania (PA) is 12.8 million people. For the years 2011/2012, health insurance coverage for Pennsylvania residents included:

  • 52% have employer insurance vs. 48% of people in the U.S.
  • 6% have Individual insurance vs. 5% of people in the U.S
  • 11% are uninsured vs. 15% of people in the U.S
  • 15% are on Medicare vs. 14% of people in the U.S
  • 15% are on Medicaid vs. 16% of people in the U.S

Pennsylvania Medicare Plans: Pennsylvania Medicare Advantage Plans
Pennsylvania Medicare Plans: Pennsylvania Medicare Prescription Drug Plans
Pennsylvania Medicare Plans: Pennsylvania Medicare Supplement Plans
Pennsylvania Individual Comprehensive Major Medical Plans (Obamacare Plans)
Pennsylvania Short Term Insurance
Pennsylvania Dental Insurance Plans
Pennsylvania Supplemental Insurance
Pennsylvania Long-Term Care
Health Care Reform
Additional Resources

Pennsylvania Medicare Plans

Pennsylvania Medicare Plans: Pennsylvania Medicare Advantage Plans

The alternative to using the Original Medicare is to enroll in one of Pennsylvania’s Medicare Advantage Plans. These plans are offered by private insurance companies. They cover all services as provided by the Original Medicare program. Plans typically include a Medicare Prescription Drug Plan and extra services such as gym membership, wellness programs as well as dental, hearing and vision services.

There are several types of Medicare Advantage plans available. These include HMO, PPO, PFFS, MSA and SNP. All plans are available within the state of Pennsylvania. Below is the list of Pennsylvania Medicare Advantage providers represented by Liberty Medicare:

Pennsylvania Medicare Plans: Pennsylvania Medicare Prescription Drug Plans

If you are covered by the Original Medicare in Pennsylvania, you should enroll in one of the stand-alone Medicare Prescription Drug Plans (PDPs). The enrollment is optional. However, there is a penalty charged for delayed enrollment, making enrollment a practical necessity. PDP’s are run by private companies that cover both generic and brand name drugs. Most of these are well known companies that conduct business across most of the United States.

Below is the list of Medicare Prescription Drug providers in Pennsylvania represented by Liberty Medicare:

State Pharmaceutical Assistance Programs (SPAPs)

Pennsylvania has two SPAPs, namely,  PACE and PACENET. These programs help to pay for prescription drugs based on financial need, age, or medical condition.

Pennsylvania Medicare Plans: Pennsylvania Medicare Supplement Plans

Original Medicare does not cover all of your medical expenses. Medicare Supplement Plans (Medigap Plans) provide protection against Original Medicare out-of-pocket costs. The costs include deductibles, co-payments, coinsurances and excess charges. Your Medicare health costs may be very significant without such plans. Plans are sold by private insurance companies licensed in Pennsylvania.

Pennsylvania Medicare Supplement Plans describe Pennsylvania specific Medigap regulations, and provide a Liberty Medicare list of Pennsylvania Medigap carriers.

Pennsylvania Individual Comprehensive Major Medical Plans (Obamacare Plans)

Obamacare Plans refer to health plans that are compliant with Patient Protection and the Affordable Care Act (PPACA).  These plans are known as Qualified Health Plans (QHPs). They must include Essential Health Benefits and provide all Obamacare Benefits and Protections. The plans may be sold through Health Insurance Marketplaces, also known as Exchanges, as well as directly through insurance vendors.

Pennsylvania Health Insurance Marketplace describes the specifics of Pennsylvania Exchange, and provide a Liberty Medicare list of insurance companies offering Pennsylvania Obamacare plans.

Pennsylvania Short Term Medical Insurance

Pennsylvania Short Term Medical (STM) Insurance provides health insurance for individuals and families in times of transition. STM insurance covers the need for temporary medical coverage. It is an alternative to Obamacare plans whenever those plans are either unavailable (i.e. fall outside of Annual Enrollment Period) or unaffordable.

Below is the list of Pennsylvania Short Term Medical Insurance providers represented by Liberty Medicare:

Pennsylvania Dental & Vision Insurance Plans

Dental Insurance Plans in Pennsylvania are available for people under 65 as well as for people over 65. There are three types of Dental Insurance available. These include:

  • Indemnity Dental Insurance. With this dental insurance you may choose your own dentist, as there are no network requirements.
  • PPO Dental Insurance. This dental plan operates through a network of preferred doctors whose services are based on discount fees. Fees are higher for patients who visit doctors outside of the network.
  • Dental Discount Plans. These plans are not a dental insurance. Rather, they are an agreement by the participating doctors to offer discount prices for the majority of dental work.

All of the above dental insurance plans are available in Pennsylvania. See Liberty Medicare list of Dental & Vision Insurance Providers.

Pennsylvania Supplemental Insurance

Pennsylvania supplemental insurance plans, such as Hospital Indemnity plans, Recovery Care plans and Critical Illness plans, are Indemnity Health Plans. They allow you to visit any health provider without health network limitations. Such plans pay you the specified cash amount for each covered service, regardless of what the provider charges you.

A variety of Supplemental Plans are available in Pennsylvania.  See Liberty Medicare list of Individual Supplemental Insurance Providers.

Pennsylvania Long-Term Care

Long-Term Care (LTC) includes assistance, support and services provided over an extended period in order to meet medical, personal, and social needs for people who are unable fully support themselves. It includes medical and non-medical care. LTC is provided in a variety of settings such as in an individual home, in the community sites, in an assisted living facility, or in a skilled nursing facility.

Many Long-Term Insurance Plans are available in Pennsylvania.  See Liberty Medicare list of Long-Term Care Providers.

Health Care Reform

How the Health Care Law is Making a Difference for the People of Pennsylvania

Additional Resources

PA Health Options
Pennsylvania Medicare Supplement
Pennsylvania Health and Human Services Resource Guide
Pennsylvania Medical Assistance

Let Liberty Medicare Help you to Select one of the Pennsylvania Medicare Plans / Pennsylvania Health Insurance Plans

Liberty Medicare is here to help you through the entire process of selecting and enrolling in the best, most suitable Pennsylvania Health Plan (Medicare Plan or Individual Health Insurance Plan) for you.

All of our many services are offered to you at no cost. We’ll help you to compare key attributes of the Pennsylvania Health Plans in your area, such as:

  • Benefits
  • Cost
  • Doctor access and network limitations
  • Medical Underwriting (if applicable)
  • Plan quality

Liberty Medicare represents many well-known Medicare and Individual Health providers in Pennsylvania. Learn more about all benefits of working with Liberty Medicare.

If you are looking for Pennsylvania Health insurance, let us guide you. To view real quotes from insurance providers, please fill out the  Medicare Quotes or Individual Health Quotes form. Alternatively, you may give us a call at 877-657-7477, and you will be connected to a licensed agent/broker.