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Elk Health Insurance

Facts and Figures

  • Insurance
    Carriers
    10
  • Number of
    General Doctors
    41
  • Number of
    Hospitals
    1

State Government Insurance Programs Offered

Medicaid (Medical Assistance)


Must be a U.S. citizen or qualified alien and Pennsylvania resident. Income limits: Pregnant women and infants age 0–1: 185% FPL. Children ages 1–5: 133% FPL. Children age 6–18: 100% FPL. Parents/caretakers living with children ages 0-18: 36% FPL. Aged, blind and disabled: Singles and couples living up to 100% FPL, with asset limit of $2,000 for singles and $3,000 for couples. Medically-needy: Singles earning $425 per month with asset limit of $2,400, and couples earning $442 per month with asset limit of $3,200.

Pennsylvania's Children's Health Insurance Program


CHIP: Child must be under 19, a U.S. citizen or qualified alien and Pennsylvania resident. Must not eligible for Medical Assistance. For low- or full-cost CHIP, enrollee must be uninsured for 6 months unless the child is under 2 years old, lost health benefits because a parent lost their job, or the child is moving from another public health insurance program. These requirements waived for enrollee eligible for free CHIP. No income limit.

The Healthy Women Project


Screening for breast and cervical cancer. Offers clinical breast exams, mammograms, pelvic examinations and Pap smears, education on breast self-exam, follow-up diagnostic care for an abnormal results.

Medicare www.medicare.gov Medicare Prescription Drug Program 800-633-4227 APPRISe (Medicare advice) 800-783-7067 www.aging.state.pa.us (Click: Health & Wellness)


Medicare offers Part A, inpatient care in hospitals and rehabilitative centers; Part B, doctor and some preventive services and outpatient care; Part C allows Medicare benefits through private insurance (Medicare Advantage); Part C includes Parts A, B, and C not covered by Medicare. Part D covers prescription drugs. Eligibility: Both: Must be U.S. citizen or permanent U.S. resident, and: 1) If 65 years or older, you or your spouse worked for at least 10 years in Medicare-covered employment, or 2) You have a disability or end- stage renal disease (permanent kidney failure requiring dialysis or transplant) at any age.

Heath Care Reform

Small business tax credits. 179,000 small businesses in Pennsylvania could be helped by a new small business tax credit that makes it easier for businesses to provide coverage to their workers and makes premiums more affordable.1 Small businesses pay, on average, 18 percent more than large businesses for the same coverage, and health insurance premiums have gone up three times faster than wages in the past 10 years. This tax credit is just the first step towards bringing those costs down and making coverage affordable for small businesses.
Closing the Medicare Part D donut hole. Last year, roughly 189,000 Medicare beneficiaries in Pennsylvania hit the donut hole, or gap in Medicare Part D drug coverage, and received no extra help to defray the cost of their prescription drugs.2 Medicare beneficiaries in Pennsylvania who hit the gap this year will automatically be mailed a one-time $250 rebate check. These checks will begin to be mailed to beneficiaries in mid-June and will be mailed monthly throughout the year as new beneficiaries hit the donut hole. The new law continues to provide additional discounts for seniors on Medicare in the years ahead and completely closes the donut hole by 2020.
Support for health coverage for early retirees. An estimated 154,000 people from Pennsylvania retired before they were eligible for Medicare and have health coverage through their former employers. Unfortunately, the number of firms that provide health coverage to their retirees has decreased over time.3 Beginning June 1, 2010, a $5 billion temporary early retiree reinsurance program will help stabilize early retiree coverage and help ensure that firms continue to provide health coverage to their early retirees. Companies, unions, and state and local governments are eligible for these benefits.
New consumer protections in the insurance market beginning on or after September 23, 2010.
Insurance companies will no longer be able to place lifetime limits on the coverage they provide, ensuring that the 7.4 million Pennsylvania residents with private insurance coverage never have to worry about their coverage running out and facing catastrophic out-of-pocket costs.
Insurance companies will be banned from dropping people from coverage when they get sick, protecting the 683,000 individuals who purchase insurance in the individual market from dishonest insurance practices.
Insurance companies will not be able to exclude children from coverage because of a pre-existing condition, giving parents across Pennsylvania peace of mind.
Insurance plans’ use of annual limits will be tightly regulated to ensure access to needed care. This will protect the 6.7 million residents of Pennsylvania with health insurance from their employer, along with anyone who signs up with a new insurance plan in Pennsylvania.
Health insurers offering new plans will have to develop an appeals process to make it easy for enrollees to dispute the denial of a medical claim.
Patients’ choice of doctors will be protected by allowing plan members in new plans to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care.
Extending coverage to young adults. Beginning on or after September 23, 2010, plans and issuers that offer coverage to children on their parents’ policy must allow children to remain on their parents’ policy until they turn 26, unless the adult child has another offer of job-based coverage in some cases. This provision will bring relief to roughly 32,100 individuals in Pennsylvania who could now have quality affordable coverage through their parents.4 Some employers and the vast majority of insurers have agreed to cover adult children immediately.
Affordable insurance for uninsured with pre-existing conditions. $160 million federal dollars are available to Pennsylvania starting July 1 to provide coverage for uninsured residents with pre-existing medical conditions through a new transitional high-risk pool program, funded entirely by the Federal government. The program is a bridge to 2014 when Americans will have access to affordable coverage options in the new health insurance exchanges and insurance companies will be prohibited from denying coverage to Americans with pre-existing conditions. If states choose not to run the program, the Federal government will administer the program for those residents.
Strengthening community health centers. Beginning October 1, 2010, increased funding for Community Health Centers will help nearly double the number of patients seen by the centers over the next five years. The funding could not only help the 229 Community Health Centers in Pennsylvania but also support the construction of new centers.
More doctors where people need them. Beginning October 1, 2010, the Act will provide funding for the National Health Service Corps ($1.5 billion over five years) for scholarships and loan repayments for doctors, nurses and other health care providers who work in areas with a shortage of health professionals. This will help the 6% of Pennsylvania’s population who live in an underserved area.
New Medicaid options for states. For the first time, Pennsylvania has the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.

"Vista Health Solutions" www.forhealthinsurance.com Tel (888)215-4045 Email [email protected]