This web site is operated by licensed producer/agents who specialize in health care for individuals, families, seniors and the self-employed. As your broker, we'll work with you free of charge to offer a variety of health care coverage options that are every bit as affordable as employer-sponsored benefit plans. Please review the outline of benefits before you purchase any health insurance policy and never cancel existing coverage until you have proof of replacement.
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HMO stands for health maintenance organization.
An HMO is a type of health insurance plan that requires you to select a family doctor, often called a Primary Care Physician or PCP.
You will need a referral from your PCP to see a specialist in the HMO network, such as a dermatologist.
Typically, only emergency services are covered if you go outside the health plan network.
PPO stands for preferred provider organization.
A PPO is a type of health plan that allows members to see providers in and out of the network.
An HMO is a type of health insurance plan that requires you to select a family doctor, often called a Primary Care Physician or PCP.
You will need a referral from your PCP to see a specialist in the HMO network, such as a dermatologist.
Typically, only emergency services are covered if you go outside the health plan network.
PPO stands for preferred provider organization.
A PPO is a type of health plan that allows members to see providers in and out of the network.
If you dont have coverage in 2016 and beyond you'll pay the HIGHER PENALTY of these two amouts.
No, you cannot be denied coverage based on pre-existing conditions.
The Affordable Care Act went into effect 1/1/2014 and barred insurers from denying coverage based on previous medical history.
The insurance premiums are more than I can afford, how can I recieve a government subsidy?.
If you are within 400% of the Federal Poverty Level you may qualify for a subsidy also known as a tax credit.
We can help you with that.
No, you cannot be denied coverage based on pre-existing conditions.
The Affordable Care Act went into effect 1/1/2014 and barred insurers from denying coverage based on previous medical history.
The insurance premiums are more than I can afford, how can I recieve a government subsidy?.
If you are within 400% of the Federal Poverty Level you may qualify for a subsidy also known as a tax credit.
We can help you with that.
Advantra Medicare plans for 2021 available to Pennsylvania Seniors and Medicare beneficiaries.
Please call us for a free information packet.
Medicare Advantage plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include HMO's, PPO's, PFFS, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren't paid for under Original Medicare.
Please call us for a free information packet.
Medicare Advantage plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include HMO's, PPO's, PFFS, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren't paid for under Original Medicare.
With Aetna's Bronze level Pennsylvania plans, the plan will pay about 60 percent of covered health care costs.
Bronze plans will offer lower monthly premiums, but have higher out-of-pocket costs for deductibles, copayments and coinsurance for covered health care services.
With Aetna's Silver level Pennsylvania plans, the plan will pay about 70 percent of covered health care costs.
Silver level plans tend to have higher monthly premiums compared to Bronze plans, but out-of-pocket costs for health care services are lower compared to Bronze plans.
Bronze plans will offer lower monthly premiums, but have higher out-of-pocket costs for deductibles, copayments and coinsurance for covered health care services.
With Aetna's Silver level Pennsylvania plans, the plan will pay about 70 percent of covered health care costs.
Silver level plans tend to have higher monthly premiums compared to Bronze plans, but out-of-pocket costs for health care services are lower compared to Bronze plans.
Medicare is health insurance for people 65 and older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Original Medicare provides medical coverage for doctor and hospital services.
Medicare Part A is a type of hospital insurance provided by Medicare.
The coverage provided by Part A includes inpatient care in hospitals, nursing homes, skilled nursing facilities, and critical access hospitals.
Part A does not include long-term or custodial care.
Original Medicare provides medical coverage for doctor and hospital services.
Medicare Part A is a type of hospital insurance provided by Medicare.
The coverage provided by Part A includes inpatient care in hospitals, nursing homes, skilled nursing facilities, and critical access hospitals.
Part A does not include long-term or custodial care.
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