Highmark Blue Cross Blue Shield of Pennsylvania (Highmark BCBSPA)
If you live in western Pennsylvania
and need individual health insurance, you’ve come to
the right place. Highmark Blue
Cross Blue Shield covers the western 29 counties of the
state with excellent and quality health insurance. Highmark,
Inc. has the largest number of PA residents as members, confirming
the fact that Highmark has the doctors and the plans that
can help you. In your search for individual coverage, you
might find it seems confusing. Highmark BCBS of PA wants to
help you find the plan that is best for your circumstances.
The need for individual health benefits often
comes at a time when there are changes going on in your life.
You could be graduating, opening your own business, starting
a new job with a company without health benefits, and the
list goes on. No two people are alike, so a health insurance
plan needs to fit your particular life situation. This is
where Highmark can help, because it has an extensive number
of plans for individuals and families.
Review the following highlights of Highmark
BCBS plans offered to western PE residents, and you are sure
to find one that will fulfill all of your needs.
Highmark BC/BS of PA Individual Health
Plans
Complete Care
A comprehensive
plan providing major medical benefits. You choose the deductible
level that you can afford and can seek care from a healthcare
provider of your choice. After paying your annual deductible,
when you see providers associated with BCBS, you save by having
full benefits and no claim forms to fill out. The plan includes
prescription drug coverage and can be tailored to your needs.
ClassicBlue Traditional
Provides
health insurance from your choice of health services providers.
The plan comes with choices for deductibles, coinsurance,
and co-payments. That way you can tailor the plan to your
criteria. After paying the annual deductible and applicable
coinsurance/co-payments, your benefits cover your eligible
fees when seeking care with Blue Cross Blue Shield providers
and you have no claim forms to fill out.
DirectBlue
Offers its Preferred-Provider
plan to residents of 29 western PA counties and uses the network
health providers of the Keystone Health Plan West. You are
free to seek care from any health care provider you choose,
without a referral. However, you are rewarded with the highest
level of benefits when you seek care from within the Keystone
network of physicians. Plans include preventive, wellness,
and prescription coverage.
PreferredBlue
A Preferred-Provider
plan using the extensive Keystone Health Plan West network
of health care providers. You are free to see any health provider
of your choice within or outside of this plan without referrals,
although you will have maximum benefits within the Keystone
network. Coverage includes prescription, wellness, and preventive
services in this plan.
PPOBlue High-Deductible Program
This program and the BlueAccount HSA/Health Savings Account work together.
Here, the PPOBlue plan has a lower annual premium, due to
its high deductible level. You have the excellent benefits
of the PPO Keystone Health Plan West network of providers,
with its outstanding service. You are also able to open a
tax advantaged Health Savings Account which you can use to
pay your annual deductible and other allowable medical expenses.
Due to the nature of the HSA, it provides choices related
to health costs and several ways to save on your taxes.
KeystoneBlue
Provides an HMO/Health
Maintenance Organization with the Keystone Health Plan West
network of providers. Here, you choose a Primary Care Physician
who will coordinate your routine health care. You can also
go to any specialist in the Keystone network without referral.
There is a choice of deductibles, so you can easily find one
that fits your budget.
MedigapBlue
Offered to those
enrolled with Medicare Plans A & B and provides coverage
on those costs which Medicare does not pay. You have a choice
from six Highmark Medicare supplemental plans, so you can
choose the one which best suits your needs.
SecurityBlue is a Medicare Advantage
HMO
Managed by Highmark through Keystone Health Plan
West, Inc. in 17 counties of western Pennsylvania. In this
plan, you choose a primary care physician who coordinates
your health care and you also have the benefits of Medicare.
You may need referral to other SecurityBlue health professionals.
There will be little out-of-pocket expenses and the coverage
options can be selected for your particular needs.
FreedomBlue
Provides the PPO/Preferred
Provider Organization network of Highmark BCBS for Medicare
advantaged individuals. It is available in 17 counties in
western Pennsylvania. Here, you have the choice to seek care
from any medical provider without referral, although services
with PPO providers come with higher benefits. Prescription
drugs, preventive care, dental services, and routine vision/hearing
services are all covered in this plan.
Low Income Plans
Administered
by Highmark BCBS of Pennsylvania include Special Care, ClassicBlue
Traditional HIPAA, ClassicBlue Traditional HCTC, CHIP, and
adultBasic.
Highmark Blue Cross Blue Shield is an independent
licensee of the BCBS Association.
Highmark Blue Cross Blue Shield of Pennsylvania Office Location
P.O. Box 226
Pittsburgh, PA 15230
Fifth Avenue Place
120 Fifth Avenue
Pittsburgh, PA 15222-3099
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