• Blue Cross
• Capital Blue Cross
• Highmark Blue Cross Blue Shield

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• Highmark Blue Shield
• Independence Blue Cross

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Bravo Health

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• Conseco
• Highmark Blue Shield
• United Healthcare
• Universal American
• WellCare

Further Types of Available Pennsylvania Health Insurance Programs

More Types of Available Health Insurance Programs/Options

Basic Hospital, Medical and Surgical Insurance: Basic hospital, medical and surgical insurance pays the portion of daily hospital room and board costs specified in the contract. This type of policy also pays for hospital services and supplies such as X-rays, lab tests, medicine and other items up to a stated amount.

Most basic policies have time and dollar limits on benefits. For example, a policy may pay actual costs (the total billed amount for service) up to a fixed amount per day for hospital room and board for a stated number of days. Or, a policy may pay a fixed percentage of all covered hospital costs for a stated number of days. Payments for surgical expenses usually are based on a surgical fee schedule so that a maximum stated amount is paid for a specified operation.

Major Medical: While basic hospital, medical and surgical policies stop paying benefits when certain time limits or dollar limits are reached, major medical insurance provides additional protection against the high costs of serious or continuing illnesses and injuries.

Major medical policies usually provide broader coverage than basic policies. They may cover the costs of blood, drugs, and out-of-hospital costs such as visits to the doctor. Benefits are payable for longer periods and major medical policies usually have a large maximum lifetime benefit instead of the smaller dollar and time limits of most basic policies.

Policyholders generally have to pay a yearly deductible before their major medical policies begin to pay benefits. This deductible can be on an individual or a family basis. These policies usually pay a certain percentage, often 80 percent, of covered expenses after the deductible is paid. The policyholder pays the remaining percentage under a co-insurance or co-payment clause. After the stated amount is paid, some policies pay 100 percent of any remaining expenses that are covered by the policy.