Information for Consumers

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Attention Pennsylvania Consumers!

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Pennsylvania Health Care Coverage Options Matrix

Published by the National Association of Health Underwriters

Learn About the Health Care Programs, Options and Resources Available to Pennsylvania's Citizens!

PA Coverage Options  •  National Data Online

 

 

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Pennsylvania Health Care Coverage Options
As many as 45 million Americans, including approximately 1.4 million Pennsylvanians, were not registered for health insurance during some part of 2004, which is a staggering figure that produces troubling questions about how Pennsylvanians can obtain needed health care services. The National Association of Health Underwriters (NAHU), a professional association of more than 20,000 employee benefit specialists, is extremely concerned about the problem of the uninsured. We feel that a multi-faceted approach to finding Americans coverage will be required, since no one solution will fit the needs of all of our citizens. As such, we have developed this brochure, to outline coverage options for Pennsylvanians. In addition, The National Association of Health Underwriters has created the online Health Care Coverage Options Database  http://www.nahu.org/consumer/healthcare, which contains even more information for all of the states to make American consumers aware of all of the health care coverage options available to them.

Consumer Guide to Individual Health Insurance
Approximately five percent of Americans do not get their health insurance coverage through an employer or through a government program, but instead purchase private individual coverage. Individual coverage is regulated differently by each state which can have a tremendous impact on the individual health insurance products available to consumers in each state. This guide helps explain some of the nuances involved with purchasing private individual health insurance coverage.

Consumer Guide to Group Health Insurance
The majority of Americans have group health insurance through their employer or the employer of a family member. Many people don't realize that health insurance is issued differently for different types of employers, and that since insurance is regulated at the state level, health insurance requirements for different types of employers can vary significantly from state to state. This guide provides basic information about purchasing a group health insurance plan.

Consumer Guide to Continuation of Coverage
Millions of people who lose their group coverage due to a job change, divorce, job loss or other reason are able to keep their group coverage temporarily. There are several types of continuation coverage that individuals might be eligible for depending on the past employment situation and state of residence. This guide provides information about continuation of coverage options as well as the federal group-to-individual health insurance portability rights many people have.

Consumer Guide to Long-Term Care
Long-term care is the health industry term for care and related expenses associated with an extended illness or injury. Ninety-five percent of long-term care in the United States is custodial in nature and is not reimbursed by private insurance, disability income coverage or Medicare. However, consumers can purchase private long-term care insurance. This guide provides consumers with important information about this product.

Consumer Guide to Medicare
More than 40 million Americans receive health benefits through Medicare. Recent legislative and regulatory changes to the program, particularly concerning the coverage of prescription drugs, have many beneficiaries asking questions. NAHU's new Medicare guide attempts to answer some of the more frequently asked questions about changes to the program.

Consumer Guide To Health Savings Accounts (HSAs)
HSAs are an innovative way of paying for medical care in this country. HSAs are sold in conjunction with a qualified high-deductible health insurance plan and are available for both individuals and employers. HSAs can help you save money on your medical care as well as provide a good way to save for future medical expenses. This guide provides much information about this new and innovative health insurance product.

Consumer Guide To High-Risk Pools
For many people with serious pre-existing medical conditions, the prospect of finding individual insurance coverage outside of an employer group can be very daunting. However, most states have high-risk health insurance pools available, which can provide such individuals with access to affordable private coverage. These state high-risk pool programs are detailed in the NAHU Guide to High-Risk Pools.