Pennsylvania’s Individual Insurance Policy Requirements include:
- Individual policies are sold on guaranteed and non-guaranteed basis.
- Guaranteed policies are offered to those who are legal residents of Pennsylvania, who have exhausted any COBRA benefits available, and who have had at least one and one half years of insurance coverage. The last day of this coverage had to be under a group insurance plan.
- People who can be covered by Medicare or Medicaid are not eligible for guaranteed policies.
- Parents with individual policies have coverage for newborns for 31days.
- Disabled children may be able to continue coverage after they reach legal age under their parent’s policy if the children are unable to support themselves.
- Insurance companies are not required to offer standardized plans.
- There may be exclusions for pre-existing conditions on your policy.
- Your insurance policy cannot be canceled simply because you are ill.
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AdultBasic offers insurance to adults with qualified low incomes. Coverage includes hospitalization, maternity care, and diagnostic testing. Members must pay a low premium and copays.
Pennsylvania Children’s Health Insurance Program offers children up to the age of 19 years from qualified low income families healthcare. Benefits include check ups, prescription drugs, and hospitalization.
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