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Health Insurance

Details: Health insurance covers essential health benefits, medical care for illness and accidents and protects you from unexpected, high medical costs. Not having insurance can result in large medical bills or avoiding necessary medical care.

› Verified 5 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/Health-Insurance.aspx Go Now

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How to Get Health Insurance

Details: How to Get Health Insurance. There are various types of health insurance and different markets. Pennsylvania's health insurance market can be broken down into commercial fully insured/self-insured, Medicaid and Medicare and CHIP.There are different ways to obtain coverage depending on the market and the type of insurance that's best for you.

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/how-to-get-health-insurance.aspx Go Now

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Why Do I Need Insurance

Details: People need insurance for a variety of reasons. In some cases insurance is required by law; however, there are policies that, though not mandatory to have, do give you necessary protections should you suffer a financial loss. And when you do have an insurance policy, there are certain rights and protections you have under Pennsylvania law.

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/Consumers/Pages/Why-Do-I-Need-Insurance.aspx Go Now

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Licensed Insurance Companies

Details: MICO Insurance Company: 471 East Broad Street Columbus, OH 43215 (614) 225-8211 Dwelling and Contents: Homeowners, Condo Owners, Renters www.encova.com 17450 Millville Mutual Insurance Company 215 South State Street Millville, PA 17846: 570-468-5517 800-262-8495 Dwelling and Contents Homeowners www.millvillemutual.com

› Verified 7 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/Licensed-Insurance-Companies.aspx Go Now

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Know Your Rights: I Have Individual Health Insurance

Details: If you think your insurance company is making it more difficult for you to access behavioral health services than physical health services in any way or have questions about this requirement, visit the Pennsylvania Insurance Department’s Consumer …

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› Url: https://www.insurance.pa.gov/Coverage/Pages/IndividualHealthMHSUD.aspx Go Now

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UPMC Health Coverage– Individual Plans

Details: Federal law requires health insurance companies to have a medical loss ratio (MLR) of at least 80%. This means that your insurance company must spend at least 80% of your premium dollars on medical care and activities that improve the quality of care. If your insurance company spends less than 80% on

› Verified 4 days ago

› Url: https://www.insurance.pa.gov/Consumers/Documents/UPMC.Health.Coverage.Ind.Decision.Summary.pdf Go Now

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COVID Travel Insurance

Details: Travel medical insurance provides short-term medical coverage. Emergency medical evacuation. Provides coverage for services such as air evacuation and medical transportation to the nearest adequate medical facility then home if warranted. This type of coverage is useful if you're traveling to a rural area without easy access to medical facilities.

› Verified 5 days ago

› Url: https://www.insurance.pa.gov/coronavirus/Pages/COVID-Travel-Insurance-.aspx Go Now

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Insurer Resources

Details: Insurance Department Issues Notice to Insurers Highlighting Temporary Licensure Process During COVID-19 (4/22/20); Insurance Department Issues Notice to Auto Insurers to Highlight PennDOT Extensions and Urge Flexibility During COVID-19 Outbreak (3/31/20); Insurance Department Warns Against In-Person Sales After Governor's Order …

› Verified 9 days ago

› Url: https://www.insurance.pa.gov/coronavirus/Pages/Insurer-Resources.aspx Go Now

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Pre-Licensing Determination

Details: Residents and non-residents who wish to sell, solicit, or negotiate contracts of insurance in Pennsylvania must obtain a producer license from the Pennsylvania Insurance Department. A number of factors are considered and weighed when evaluating producer license applications.

› Verified 5 days ago

› Url: https://www.insurance.pa.gov/Licensees/pre-licensing-determination/Pages/default.aspx Go Now

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What is a Surprise Medical Bill

Details: A surprise medical bill is an unexpected medical cost incurred by a patient when they've unknowingly obtained health care services by an out-of-network provider (a provider outside of their health insurance plan's provider network). This is sometimes called a "balance bill".

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› Url: https://www.insurance.pa.gov/Coverage/health-insurance/no-surprises-act/Pages/default.aspx Go Now

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Homeowners INSURANCE GUIDE

Details: Insurance policies can vary. This guide is intended to help you understand homeowners insurance. The information is general and not specific to your insurance policy. If you have specific questions about your coverage, you should consult your agent or insurance company.

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/Coverage/Documents/Homeowners/Homeowners%20Insurance%20Guide.pdf Go Now

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Disaster Recovery

Details: If you participate in a federally-sponsored crop insurance plan, you must notify an agent within 72 hours of discovery of crop damage. All residue and crop damage should be left intact until insurance agents can properly assess extent of damage. Individuals should contact Karen Powell at 717-705-9511 or their crop insurance agent with crop

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/Disaster-Recovery-Resources.aspx Go Now

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COMMONWEALTH OF PENNSYLVANIA INSURANCE …

Details: Sections 903 and 904 (40 P.S.§§ 323.3 and 323.4) of the Insurance Department Act and covered the experience period of January 1, 2015 through March 31, 2016, unless otherwise noted. The purpose of the examination was to ensure compliance with Pennsylvania insurance laws and regulations, as well as applicable federal laws and regulations not

› Verified 1 days ago

› Url: https://www.insurance.pa.gov/Regulations/Regulatory%20Actions/Documents/Current%20Market%20Conduct/UPMC_FINALExamReportPkg_12%2013%202021.pdf Go Now

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Pennsylvania Insurance Department Home

Details: insurance company of the state of pennsylvania (the) kookmin best insurance company, ltd. (u.s. branch) laundry owners mutual liability insurance association liberty insurance corporation. liberty mutual mid-atlantic insurance company lm insurance corporation

› Verified 9 days ago

› Url: https://www.insurance.pa.gov/Coverage/Business/Documents/wc%20lcm%201.1.21.xlsx Go Now

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Health Insurance Literacy

Details: Act 62: Autism Insurance Act – Act 62 is a statewide insurance mandate specific to services provided to children and adolescents with Autism Spectrum Disorder (ASD). Parity for Mental Health and Substance Abuse Disorder – Parity means health insurance companies are required by law to provide you with the same level of health insurance

› Verified 4 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/Health-Insurance-Literacy.aspx Go Now

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Over-the-Counter COVID Testing Insurance Coverage FAQs

Details: Contact your insurance company. Your insurance company may have a network of preferred sellers and may expand that network in the coming weeks. If they do not have a network of preferred sellers, they will provide a process for you to submit evidence of your purchase (such as a receipt and/or UPC code) and receive reimbursement.

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/coronavirus/Pages/OTC-COVID-Testing-Reimbursement.aspx Go Now

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Common Question-No Insurance

Details: Some health insurance coverage, like the Marketplace, may only be available if there is a Special Enrollment Period. You may qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a …

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› Url: https://www.insurance.pa.gov/coronavirus/Pages/Common-Question-No-Insurance.aspx Go Now

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ACA Health Rate Filings

Details: Insurance companies offering individual and small group health insurance plans are required to file proposed rates with the Pennsylvania Insurance Department for review and approval before plans can be sold to consumers. The Department reviews rates to ensure that the plans are priced appropriately -- that is, they are neither excessive (too

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Consumers/HealthInsuranceFilings/Pages/ACA-Health-Rate-Filings.aspx Go Now

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Know Your Rights: My Employer Self-Insures

Details: Self-insured health insurance plans are solely regulated by one of these federal agencies, and not by the Pennsylvania Insurance Department. Pennsylvanians can visit the EBSA website. Opens In A New Window. or contact the EBSA regional office in Philadelphia at 1-215-861-5300, or contact the CMS office in Baltimore, Maryland at 1-877-267-2323

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/EmployerSelfInsuredMHSUD.aspx Go Now

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UPMC Health Options– Individual Plans

Details: Pennsylvania Insurance Department | www.insurance.pa.gov 4 . What we consider . Premium is made up of three parts: medical claims, administrative expenses, and profit or loss. We review all of the information in rate filings for …

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/Consumers/Documents/UPMC.Health.Options.Ind.Decision.Summary.pdf Go Now

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Filing Health Insurance Appeals

Details: The appeals process is used when your insurance company denies a benefit or does not make full payment on a benefit that you and your doctor believe you need. By law, health insurance companies are required to have procedures in place to address concerns from policyholders. The appeals process is used if you receive an adverse benefit

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/appeals.aspx Go Now

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PROPERTY & CASUALTY INSURERS

Details: A domestic mutual insurance company other than a mutual life insurance company may issue a non-assessable policy if authorized pursuant to 40 P.S. § 916.1(a). If a resolution of board of directors authorizing the issuance of non-assessable policies is . modified

› Verified 2 days ago

› Url: https://www.insurance.pa.gov/Companies/FilingRequire/Documents/Property%20and%20Casualty%20Checklist%202021%20FInal%202-10-2021.docx Go Now

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Auto Insurance for Seniors

Details: Auto Insurance for Seniors. Auto insurance is mandatory in Pennsylvania. The good news is that rates filed by auto insurers since auto insurance reform was enacted in 1990 have risen at less than half the cost of living. Of course, individual premiums will vary according to your circumstances like the value of your car, how much you drive

› Verified 5 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/Auto-Insurance-for-Seniors.aspx Go Now

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Financial Strength of Insurance Companies

Details: Financial Strength of Insurance Companies. You count on insurance to be there when you need it. In some cases, you buy insurance hoping you’ll never need to use it. So when you do need your insurance company to pay a claim, the last thing you want to hear is the insurance company doesn’t have the money to cover what you bought insurance for

› Verified 1 days ago

› Url: https://www.insurance.pa.gov/Pages/Financial-Strength-of-Insurance-Companies.aspx Go Now

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Student Health Insurance Rate Filing Guidance

Details: insurance rate filings. The purpose of this technical guidance is to establish standard submission expectations for all insurers. Student health insurance is a type of individual health insurance that is offered to students and their dependents under a written agreement between an institution of higher education and a health insurer.

› Verified 7 days ago

› Url: https://www.insurance.pa.gov/Companies/ProductAndRateRequire/Documents/2020-21%20Student%20Health/2021-2022%20Student%20Health%20Guidance%20Final%20Version(1.7.21).pdf Go Now

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PENNSYLVANIA MEDICARE SUPPLEMENT

Details: Colonial Penn Life Insurance Company Individual 2010 Plans A, B, C, F, G and N Scranton, PA 18505 PO Box 5700 Carmel, IN 46032 866-459-4272 Columbian Mutual Life Insurance Company Binghamton, NY 13902-1381 PO Box 8190 EPIC Life Insurance Company, The 5050 Broadway Avenue 800-423-9765 4704 Vestal Parkway East Emphesys Insurance Company (608

› Verified 5 days ago

› Url: https://www.insurance.pa.gov/Coverage/Documents/Older%20Pennsylvanians/med%20sup%20list%20historical/Med%20Supp%20List%2012.12.2021.pdf Go Now

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What is a credit report

Details: HOW CREDIT RELATES TO INSURANCE: A FACT SHEET FOR PENNSYLVANIA CONSUMERS Brought to you by the Pennsylvania Insurance Department Pennsylvania Insurance Department ♦ Toll-free Automated Hotline: 1-877-881-6388 ♦ Harrisburg Regional Office (717) 787-2317 ♦ www.insurance.pa.gov A credit report is specific information relating …

› Verified 3 days ago

› Url: https://www.insurance.pa.gov/Coverage/Documents/Misc/credit.pdf Go Now

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Geisinger Health Plan Individual Plans

Details: Federal law requires health insurance companies to have a medical loss ratio (MLR) of at least 80%. This means that your insurance company must spend at least 80% of your premium dollars on medical care and activities that improve the quality of care. If your insurance company spends less than 80% on

› Verified 1 days ago

› Url: https://www.insurance.pa.gov/Consumers/HealthInsuranceFilings/Documents/GSHP-132364648%20Decision%20Summary.pdf Go Now

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ACT 68 – “Prompt Payment of Clean Claims”

Details: by the insurance company because of insufficient or incorrect coding provided on the claims submission form. 4. Disagreements in a payment allowance as provided by either the medical provider contract or t he insurance policy/plan provisions. 5. Contractual issues regarding the contract between the medical provider and the health insurance

› Verified 8 days ago

› Url: https://www.insurance.pa.gov/Consumers/insurance-complaint/Documents/Act%2068%20Prompt%20Pay%20Complaint%20Submission%202017.pdf Go Now

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Know Your Rights: My Small Employer Provides My Health

Details: Health insurance provided by a small employer (50 or fewer employees) that is fully insured is called small group insurance. Most small group health plans are required to cover mental health and substance use disorder services, including behavioral health services. This is because all non-grandfathered small group health insurance plans are

› Verified 4 days ago

› Url: https://www.insurance.pa.gov/Coverage/Pages/SmallGroupMHSUD.aspx Go Now

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Health Insurance Glossary

Details: Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.

› Verified 1 days ago

› Url: https://www.insurance.pa.gov/coronavirus/Pages/Healthcare-Glossary.aspx Go Now

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Global Indemnity Group

Details: Pursuant to section 1406b(c) of Article XIV of The Insurance Company Law of 1921, as amended by the act of July 5, 2012 (P. L. 1111, No. 136) (Act 136), the Pennsylvania Insurance Department, in cooperation with other supervisors, may determine that it is the appropriate group-wide supervisor for an international insurance group with substantial operations …

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Companies/DoingBusiness/Pages/Global-Indemnity-Group.aspx Go Now

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RENTERS INSURANCE

Details: Renters’ insurance is fairly inexpensive, and most policies range from $15 to $30 per month. Many companies will allow you to bundle your renters’ insurance with other policies, like your auto insurance, making it less expensive. In the end, you’ll be glad you have it.

› Verified 6 days ago

› Url: https://www.insurance.pa.gov/Coverage/Renters/Pages/Renters%20Insurance.aspx Go Now

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