• 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

Pennsylvania Supplemental Insurance Policy Information

The following are considered supplemental policies. Supplemental policies provide coverage beyond, or in addition to, what is provided in your basic policy.

Hospital Indemnity: Hospital indemnity insurance pays a fixed amount specified in your policy for daily, weekly or monthly hospital stays. The benefits paid are not based on your actual expenses and are intended to supplement rather than substitute for other broader forms of coverage.

Disability Insurance: Disability insurance pays a monthly or weekly amount if the policyholder is disabled and cannot work. Some policies pay only in case of an accident, others pay only if the policyholder has an illness and some pay benefits in either case. A disability policy usually includes an elimination period - a specified number of days the policyholder must be disabled before the policy begins to pay benefits. The longer the elimination period, the lower the premium.

A short-term disability policy provides benefits for a specified time, usually 13, 26 or 52 weeks. A long-term policy may provide for benefits to age 65. The longer the benefit period, the higher the premium.

Disability insurance policies will not cover claims that are covered by workers' compensation.

Long-Term Care: Long-term care insurance may cover services ranging from nursing home care to home health care, to providing benefits during an extended period of convalescence. Medicare does not pay benefits for long nursing home stays or other types of long-term care. Other types of health insurance also may exclude such benefits.

Long-term care policies offer either fixed daily benefits or expenses incurred up to the daily benefit selected for skilled nursing care, intermediate care and custodial care for at least one year. Some policies also may offer home health care.

Specified Disease: Specified disease insurance pays benefits only for the treatment of a specific disease, such as cancer, stated in the policy. Specified disease policies generally are not available if you previously have been diagnosed or treated for the specified disease. These policies usually have a waiting period before benefits begin and some do not pay for separate treatment or other conditions or diseases caused by the specified disease.

Accident Insurance: Accident insurance limits payment to a stated amount for specific losses due to an accidental injury under circumstances specified in the policy. Some examples are the loss of an arm, leg, eye or accidental death. This type of policy also may pay some medical costs resulting from an accident. Some common forms of this type of coverage are accidental death, travel accident, specified hazard or school accident insurance.

Credit Accident and Sickness: Credit accident and sickness insurance is a special type of disability policy offered in connection with loans or other credit transactions. Generally it provides a benefit equal to the amount of the monthly loan payment if the insured debtor becomes totally disabled. The benefit is paid directly to the creditor.

Medicare Supplement: Medicare supplement insurance is designed to provide benefits to help pay what Medicare does not pay. However, these policies may not pay all the expenses that are not covered by Medicare.