Like most U.S. states, Pennsylvania has certain provisions for it's residents who fall into lower income groups. One such provision focuses on offering affordable health insurance for individuals and families. In Pennsylvania there is a program known as AdultBasic for people who earn income below a prescribed level. This program focuses on providing health coverage at very little cost (there is a $35 monthly premium) to the applicant.
Originally started in 2002, the coverage insures most lower income people between the ages of 19 and 65 who meet certain eligibility criteria. It also covers against pre-existing conditions and is available to U.S. citizens who have resided in Pennsylvania 90 days prior to enrollment.
This medical insurance is comprehensive major medical coverage and is administered by various private insurance carriers throughout Pennsylvania (Highmark Blue Cross Blue Shield, Keystone Health Plan East and First Priority to name a few). Some of the benefits covered by the plan which carry no additional cost are:
- Hospitalization (unlimited days)
- Physician Services (primary care and specialists)
- Emergency Services
- Diagnostic Testing (e.g. X-rays, mammograms and laboratory tests etc.)
- Maternity care
- Rehabilitation and skilled care (in lieu of extended hospitalization)
Other services which carry a small co-payment are:
- $ 5.00 co-pay for each visit to your family doctor
- $10.00 co-pay for each visit to a specialist
- $25.00 co-pay for each visit to an emergency room (waived if admitted to the hospital)
Another convenient aspect is the ability to apply online. To help guide you along with the process I recommend contacting a licensed local health insurance broker for further information.
留言列表
