Where We Can Get Affordable Medical Health Insurance In Philadelphia


Medical insurance costs take presctiption the rise, nevertheless , you can still get affordable medical health insurance in Philadelphia if you know where to look. Here’s how …


What kinds of health insurance are available?


There are two kinds of health insurance available in Philadelphia:


1. Government Medical insurance Programs


Medical attention (Medicaid) – It is a federal medical insurance program administered from the state that provides health care for low-income Philadelphians, expecting mothers, children, elderly adults, disabled adults, the ones caring for a disabled relative.


adultBasic – This can be a state medical health insurance program for low-income adults who cannot afford private health insurance. This program provides preventive care, doctors services, and hospital coverage.


Chip (Children’s Health Insurance Program) – This can be a state medical health insurance program that provides medical care for uninsured children and teenagers who are not qualified to receive Medicaid.


For additional info on these federal assuring programs, visit Pennsylvania’s Department of Public Welfare website at: dpw.state.pa.us


2. Private Medical insurance Plans


Private medical health insurance plans include:


* Fee-For-Service (FFS) plan – This is a health insurance plan that pays for doctor services, hospital fees, and prescription medications. With this plan you could choose your physician and hospital. You are reimbursed for any percentage of one’s medical expenses (usually 80%) once you pay a deductible ($500 to $2,000). FFS plans will be the most expensive medical health insurance plans.


*Managed Health Care Plans (HMOs, PPOs, POSs) – These plans purchase doctor services, hospital fees, and prescription drugs, but might also pay for preventive care such as health care clinics and health and fitness center discounts. With one of these plans you are assigned to a health care network of doctors and hospitals. You have to pay a co-payment (usually $5 to $10) for every doctor visit. HMOs would be the cheapest medical health insurance plans, then PPOs then POSs.


Can anyone help me get affordable health insurance in Philadelphia?


You will get affordable medical insurance by going to an internet insurance comparison website. There you’ll receive health insurance quotes from a quantity of companies and will choose the cheapest one.

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