Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable Pennsylvania health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding Pennsylvania health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in Pennsylvania with the health of residents who live in other states.

This article will provide you with all the information needed about Pennsylvania health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

Pennsylvania Individual and Family Health Insurance
Many Pennsylvania health insurance companies which offer individual and family health insurance plans may base their decision on whether to approve or deny your application for health insurance on your current or past health status. Any person applying for health insurance will have to fill out a detailed application, which involves answering many questions relating to your present and previous health status, family medical history, and life-style questions, such as smoking habits, alcohol consumption, etc. Based on this information, a Pennsylvania health insurance company can deny you coverage altogether, or they may offer you a policy which contains a rider, which basically excludes coverage for any pre-existing condition. This rider can be enforced for a limited amount of time or can be in effect for the entire time you hold the insurance policy. Some Pennsylvania health insurance companies also place a waiting period on pre-existing conditions, even if a formal rider was not written into the policy. This is regardless of whether the person to be insured had prior health insurance or not.

Pennsylvania Group Health Insurance
Pennsylvania health insurance regulations considers a small group for insurance purposes to be a company with anywhere between 2 and 50 employees. Many companies will offer health insurance to their employees, but under Pennsylvania health insurance law, they are not required to offer it to all employees. People who work part-time, or who do not live within the area the insurance covers, may not always qualify for the group insurance plan. If you do qualify for coverage, however, this means that you will have insurance through the group plan, regardless of your health. The employers can decide if there is a waiting period before an employee is covered. Group insurance plans may deny benefits for pre-existing medical conditions that you have been treated for within the last six months. However, if you are denied coverage for a pre-existing condition and if you had insurance before that provided coverage for the pre-existing medical condition, you may be eligible for continued care under the old policy.

Pennsylvania COBRA Insurance
Under Pennsylvania health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their Pennsylvania health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the Pennsylvania health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further Pennsylvania health insurance coverage available through the Pennsylvania Comprehensive Health Insurance Association (ACHIA).

Pennsylvania Health Information and Statistics
If you are in the market for quality Pennsylvania health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Pennsylvania ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Pennsylvania are a high rate of high school graduation, low geographic disparity within the state, ready access to primary care, and a low rate of uninsured population. Pennsylvania also faces many challenges, such as a high rate of preventable hospitalizations and high levels of air pollution.

According to a 2008 study, Pennsylvania had some significant changes over the past year, including the prevalence of obesity increasing by 16% and the percentage of children in poverty declining by 13%. Since 1990, the rate of cardiovascular deaths decreased by 28% while the prevalence of obesity increased by 122%.

Following is a variety of statistical data related to living in Pennsylvania, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Pennsylvania health insurance.

  • Prevalence of Smoking-33th
  • Prevalence of Obesity-33th
  • Violent Crime-28th
  • Children in Poverty-23th
  • Air Pollution-46th
  • Cancer Deaths-37th
  • Lack of Health Insurance-8th
  • Prevalence of Binge Drinking-33th
  • Infant Mortality-37th
  • Infectious Disease-36th
  • Premature Death-28th

Overall Rank: 27
Change: -3