Pittsburgh, Pennsylvania Individual Health Insurance
With so many different options, deciding on the right Pennsylvania Health Insurance can be confusing. But with the changing laws and the cost of healthcare on the rise, you can't afford to take chances with the health of you and your family members. If an accident or illness strikes, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self employed, unemployed, retired, or a student, we can help you sort through the maze of different insurance options and find the right plan at a price you can afford.
Medicare Specialists of Pittsburgh will help you understand the different types of health insurance choices for you and your family. Although plans differ, they basically cover most medical, surgical, and hospital expenses and can cover prescription drugs. Some plans even offer preventive health care, immunizations, and dental coverage.
Health Insurance options in Pittsburgh, Pennsylvania
Fee-For-Service (FFS) is a health plan in which the medical professional is paid for the services provided to the patient. Patients are free to choose their doctor and the claims are filed either by the health care provider or the patient.
Most health care plans are some form of Managed Care. Managed Care policies include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point-Of-Service (POS).
HMO - With HMO's all your health care services go through your primary care physician. You will need a referral before seeing specialists or other health care professionals. This usually means less paperwork and lower health care costs for everyone.
PPO - This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you chose although with staying inside the network you will have lower out-of-pocket costs.
POS - These plans combine some of the qualities of the HMO and PPO plans and the benefits levels may vary depending on whether you receive your care within the network of providers. Like with HMO plans you choose your primary care doctors and need referrals to network specialists when needed. Like PPO plans you may receive non-network care but with greater out-of-pocket costs.
Obtaining the right Pennsylvania medical insurance coverage is crucial. If you prefer to have your care coordinated through your primary care doctor, an HMO plan might be the right choice for you. If you would prefer more flexibility with your medical care or see a lot of specialists, you might look into a PPO plan.
Here are some additional lines of insurance that we service:
- Health Savings Accounts
- Short Term Care
Our team of professionals at Medicare Specialists of Pittsburgh can help you sort through all the options and help you choose the right Pennsylvania health insurance plan for your specific needs.
Individual Health Insurance
When you’re looking for affordable health insurance options, Medicare Specialist Of Pittsburgh is happy to point you in the right direction. We provide you with full medical coverage, professional advice, and hassle-free service.
Our expert team of insurance brokers has connections with leading health insurance companies, and we’ll gladly help you find the perfect plan for you. Whether you have known medical issues that will require more attention, or you’re looking for simple yet comprehensive insurance, we’ll help you compare different insurers and discuss the pros and cons of their policies.
Make an informed decision when it comes to your health insurance. Contact us now at (412) 343-0344 to book a consultation at your earliest convenience.
No-Obligation Consultations on Health Insurance
Although we’ll happily assist you over the phone, we always recommend scheduling a no-obligation, in-person consultation so that no information goes overlooked. You may end up saving time in the long run as we’ll get a better idea of the coverage you’re looking for, face-to-face.
Our health insurance brokers make sure getting a quote is fast and straightforward. Sit down and speak with us about your medical history and your needs, and we’ll find you an array of options that work for you. From there, we’ll lay out the different rates and terms of each policy and make professional, impartial suggestions.
A Full Range of Individual Health Insurance Plans
Medicare Specialist Of Pittsburgh offers a full range of individual health insurance coverage and plans. Our brokers can help you assess what your needs are and then put together a comprehensive health insurance plan. Many insurers provide personal insurance plans that are customizable with add-ons. Typical health insurance coverage includes any of the following:
- Basic health insurance
- Prescription drug insurance
- Vision insurance
- Dental insurance
- Extended health insurance
- Disability insurance
- Critical illness insurance
- and more!
Our team will take the time to locate different health insurance plans that have everything you need. Then, you can choose the health insurance company you prefer.
Streamlined Medical Insurance Claims
When it comes to medical insurance claims, we’ll make sure you receive the maximum amount payable every time. If you need to submit a claim, our phone lines are always open. Give us a call, and we’ll help you handle your medical claims hassle-free. We let you know what documents are required, and we take care of the rest.
If ever there is any confusion or uncertainty, our health insurance professionals can always help. At your request, we can break down the terms of your coverage and answer any questions you may have.