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