Health insurance can be confusing, complicated and difficult to understand. Finding and getting affordable health insurance isn't easy. If you have low income, help may be available to you through state and public programs if you cannot afford private health insurance.
topics: affordable health insurance in Pennsylvania: Pennsylvania Health Insurance Plans: Affordable Health Insurance, Low Cost Health Insurance through state programs; COBRA; Unemployed, Uninsured
source:Pennsylvania Health Law Project languages: English from the web page: "...The adultBasic coverage is a program of basic health care coverage for uninsured
adults. This program is run by the Pennsylvania Insurance Department and is paid for with the Tobacco Settlement funds. The monthly premium per enrollee in this program..."
source:Pennsylvania Insurance Department languages: English from the web page: "...The program, called adultBasic, was designed to provide health insurance for adults meeting certain eligibility requirements and who do not have health insurance. ..."
also from Pennsylvania Insurance Department: web page: ALERT: adultBasic coverage may expire February 2011 languages: English from the web page: "...The adultBasic insurance program does not have funding to provide coverage to enrollees beyond February 28, 2011. The program had hoped to secure enough funding to provide coverage through June 2011. That has not occurred. It is possible that additional funding will become available but none has been identified...."
source:Blue Cross of Northeastern Pennsylvania languages: English from the web page: "...adultBasic promotes access to quality health care by providing basic health insurance to Pennsylvania citizens age 19 through 64 who need coverage but cannot afford it. The program is intended to provide transitional health insurance for adults who either have incomes below 200 percent of the Federal Poverty Guidelines, who may have jobs that do not include health benefits or who are between jobs..."
also from Blue Cross of Northeastern Pennsylvania: web page: adultBasic Eligibility Requirements languages: English from the web page: "...What are the qualifications for eligibility?..."
web page: Provider Directory languages: English from the web page: "...Our listing of participating providers and facilities changes often. First Priority Health Service Representatives can always provide the most up-to-date provider information, or you can view the list of participating providers through our website at www.bcnepa.com...."
source:Independence Blue Cross languages: English from the web page: "...The program provides health insurance coverage to uninsured adults between 19 and 65 years of age who meet eligibility guidelines, fall within adultBasic family size and income guidelines, and reside in Pennsylvania..."
Pennsylvania Health Insurance for Low Income Children
source:The Pennsylvania Medicaid Project languages: English from the web page: "...Pennsylvania medicaid for children and families with children.. Children’s Health
Insurance Plan (CHIP)... Pennsylvania’s Children’s Health Insurance Program - Age & Income Guidelines for Eligibility, How You Can Apply "
Insurance for Pre-Existing Condition, Chronic Medical Problem Coverage
source:Pennsylvania Insurance Department languages: English from the web page: "...PA Fair Care is Pennsylvania’s health plan for uninsured adults with pre-existing conditions. This temporary plan offers transitional insurance coverage until the broader coverage provisions of federal health insurance reform come to fruition in January 2014..."
also from Pennsylvania Insurance Department: web page: PA Fair Care Benefits languages: English from the web page: "...Once enrolled in PA Fair Care, you will have access to the following benefit package?..."
source:HealthCare.gov - U.S. Department of Health & Human Services languages: English from the web page: "...Eligible residents of Pennsylvania can apply on-line for coverage through the state’s Pre-Existing Condition Insurance Plan program known as PA Fair Care..."
source:Pennsylvania Legal Aid Network, Inc 1 page; languages: English from the brochure: "...This temporary plan offers insurance for those
eligible until federal health insurance reform takes effect in 2014. PA Fair Care is available on a first come basis..."
Pennsylvania Health Insurance: Leaving a Job - COBRA
"The COBRA stimulus plan is designed to help struggling familiesand individuals trying to pay their COBRA benefits...."
also from Pennsylvania Insurance Department: web page: Mini-COBRA languages: English from the web page: "...Employees laid off by small employers are now eligible for state Mini-COBRA benefits. Prior to this, only those who worked for companies employing more than 20 people were eligible for federal COBRA benefits. These benefits extend health coverage under the employer’s insurance plan..."
brochure: Out of a Job languages: English from the brochure: "...It ’s an increasingly common story these days — you lose your job, and your health insurance goes with it. Now what?..."
source:Capital BlueCross languages: English from the web page: "...If you had prior health care coverage... The Health Insurance Portability and Accountability Act of 1996 (HIPAA) made important changes in access to health care coverage. The law is intended to make it easier for you to continue health coverage without a preexisting exclusion clause when you or a family member changes or loses a job, if you have 18 months of prior health coverage. ..."
source:Physicians News Digest languages: English from the web page: "...Some of the most confusing legislation in the HR arena is the Consolidated Omnibus Budget Reconciliation Act (COBRA). Passed by Congress in 1986, this law provides continuation of group health coverage that might otherwise be terminated when an employee leaves your practice..."
Pennsylvania Health Insurance: Basics; Consumer Guides to Health Insurance PA
"There are many different types of policies and health care plans at many different prices. Some pay most of your health care bills for any serious injury or illness. Others pay only part of your bills or only for certain injuries or illnesses...
This guide answers some frequently asked questions about health insurance, explains some of the most common types of health insurance policies and offers tips to consider when purchasing health insurance coverage..."
source:Georgetown University Health Policy Institute file size: 45 pg.; languages: English from the brochure: "...Help is available to certain low-income residents of Pennsylvania who cannot afford to buy health care coverage. Medicaid, Pennsylvania Children's Health Insurance Program and the AdultBasic program offer subsidized health insurance coverage, direct medical services or other help at little or no cost to you...."
source:Foundation for Health Coverage Education 2 pages; languages: English, Spanish from the web page: "...hand-held guide available that outlines your state’s (Pennsylvania) public and private health care choices for individuals and groups in almost every demographic profile, as well as offers a reference list of phone numbers and Web sites..."
source:CoverTheUninsured.org file size: 9 pg.; languages: English from the brochure: "...…there are programs that provide health insurance to some people who cannot afford to buy it on their own. You or your family members may qualify, even if you work. However, these programs have income and asset limits. In Pennsylvania, the main programs are Medicaid and Pennsylvania CHIP. In addition, Pennsylvania runs a low-cost health insurance plan called AdultBasic...."
source:PA Breast Cancer Coalition languages: English from the web page: "...No Insurance? We've Got You Covered! Today in Pennsylvania, because of the efforts of the PBCC and our grassroots advocates, uninsured women of low or moderate income who are diagnosed with breast cancer can get FREE TREATMENT through the Commonwealth of Pennsylvania’s Breast and Cervical Cancer Prevention and Treatment Program (BCCPT)..."
also from PA Breast Cancer Coalition: brochure: Welcome to the 2nd edition of Breast Cancer: Covered or Not? A guide on insurance 144 pages; languages: English from the brochure: "...We talked to hundreds of women in developing this guide to better understand
their insurance experiences while they sought breast cancer treatment. We also gained insights from health care
professionals who interact with insurance companies on behalf of their patients...."
source:Maternal and Family Health Services, Inc languages: English from the web page: "...Many women can receive free birth control, Pap tests, STD testing and more through
SelectPlan for Women - a no cost plan that covers family planning and birth control..."
source:SelectPlan for Women languages: English from the web page: "...•Birth control (pills, condoms, diaphragms, the patch and more)... •Routine check-ups, including breast exams and Pap smears. Why do I need these tests? •Emergency contraception How does it work? •STD testing and treatment. Why do I need these tests? •HIV testing and counseling..."
also from SelectPlan for Women: web page: Could I be eligible? languages: English from the web page: "...To be eligible for Pennsylvania's SelectPlan for Women you must be:
•A woman •Between the ages of 18-44 •Not pregnant or sterilized •Income eligible, at or below 185 percent of the Federal Income Poverty Guidelines (check the chart below) •A Pennsylvania resident..."
source:Centers for Disease Control and Prevention languages: English, Spanish from the web page: "...Health care provider sites that screen clients for the Pennsylvania BCCEDP (HealthyWoman Program) provide screening services in urban and rural counties including: Allegheny, Armstrong, Erie, Fayette, Philadelphia, Washington, and Westmoreland. The lifestyle interventions are provided by screening sites, telephone counseling services, local community organizations, or other venues as appropriate..." >
source:Pennsylvania Office of Rural Health languages: English from the brochure: "...While there are many programs for the uninsured and the underinsured, it is challenging to provide health care services for low-income working families, identify health care needs,
find information on the various health insurance programs and establish eligibility for services...."
source:Pennsylvania Association of Community Health Centers languages: English from the web page: "...•Care for nearly 700,000 Pennsylvanians through more than 2.3 million visits. •Provide comprehensive, high quality primary medical, dental and behavioral health care for all ages regardless of ability to pay. •Are located in 44 of 67 Pennsylvania counties... "
source:National Association of Community Health Centers (NACHC) languages: English from the brochure:"Community, Migrant, and Homeless Health Centers are non-profit, community-directed providers that remove common barriers to care by serving communities who otherwise confront financial, geographic, language, cultural and other barriers."
also from National Association of Community Health Centers (NACHC): web page: Find a Health Center languages: English from the web page: "If you need affordable health care, a Community Health Center may be what you're looking for... Click here to find the health center closest to your address or to see a list of health centers in your state or county/parish..."
"Federally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide
•checkups when you're well
•treatment when you're sick
•complete care when you're pregnant
•immunizations and checkups for your children
•dental care and prescription drugs for your family
•mental health and substance abuse care if you need it..."
source:Pennsylvania Health Law Project languages: English from the web page: "...In addition to Medical Assistance, there are various programs in Pennsylvania that may help the uninsured get coverage..."
source:Pennsylvania Department of Aging languages: English from the web page: "Healthy Horizons is a medical assistance program that ensures adequate health care for older and disabled Pennsylvanians. ..."
web page: APACE and PACENET languages: English from the web page: "PACE and PACENET offer comprehensive prescription coverage to older Pennsylvanians and covers most prescription medications, including insulin, syringes and insulin needles..."
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