| Health insurance costs are on the rise, but | | | | 2. Private Health Insurance Plans |
| you can still get affordable health insurance | | | | |
| in Philadelphia if you know where to look. | | | | Private health insurance plans include: |
| Here's how ... | | | | |
| | | | * Fee-For-Service (FFS) plan - This is a |
| What types of health insurance are available? | | | | health insurance plan that pays for doctor |
| | | | services, hospital fees, and prescription |
| There are two types of health insurance | | | | drugs. With this plan you may choose your |
| available in Philadelphia: | | | | doctor and hospital. You are reimbursed for a |
| | | | percentage of your medical expenses (usually |
| 1. Government Health Insurance Programs | | | | 80%) after you pay a deductible ($500 to |
| | | | $2,000). FFS plans are the most expensive |
| Medical Assistance (Medicaid) - This is a | | | | health insurance plans. |
| federal health insurance program administered | | | | |
| by the state that provides medical care for | | | | *Managed Health Care Plans (HMOs, PPOs, POSs) |
| low-income Philadelphians, pregnant women, | | | | - These plans pay for doctor services, |
| children, elderly adults, disabled adults, | | | | hospital fees, and prescription drugs, but |
| and people caring for a disabled family | | | | may also pay for preventive care such as |
| member.adultBasic - This is a state health | | | | health care clinics and fitness center |
| insurance program for low-income adults who | | | | discounts. With these plans you are assigned |
| cannot afford private health insurance. This | | | | to a health care network of doctors and |
| program provides preventive care, doctors | | | | hospitals. You pay a co-payment (usually $5 |
| services, and hospital coverage. | | | | to $10) for each doctor visit. HMOs are the |
| | | | cheapest health insurance plans, followed by |
| Chip (Children's Health Insurance Program) - | | | | PPOs then POSs. |
| This is a state health insurance program that | | | | |
| provides medical care for uninsured children | | | | Where can I get affordable health insurance |
| and teenagers who are not eligible for | | | | in Philadelphia? |
| Medicaid. | | | | |
| | | | You can get affordable health insurance by |
| For more information on these federal and | | | | going to an online insurance comparison |
| state programs, visit Pennsylvania's | | | | website. There you'll receive health |
| Department of Public Welfare website at: | | | | insurance quotes from a number of companies |
| dpw.state.pa.us | | | | and can choose the cheapest one. |
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