Individual Health Plans
Monday, September 1, 2014  
 
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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

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, 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

Fifth Avenue Place
120 Fifth Avenue • Pittsburgh, PA 15222-3099

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Individual-Health-Plans.com is not associated with Medicare or the Center for Medicare and Medicaid Services. The Center for Medicare and Medicaid Services has neither reviewed nor endorses this information. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov.

A Medicare Advantage plan is a health plan provided through a private insurer and delivering Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. The sales agent that will be discussing plan options with you is either employed or contracted by an agency that sells Medicare plans, a Medicare health plan, or a Medicare prescription drug plan that is not the Federal government. Submitting our form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans.

Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company.

 
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