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Family or Individual Health Insurance - Pennsylvania & Delaware
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Individual or family health insurance can provide the important
protection needed in the event of illness and for regular preventive care. Using the strength and experience of our health insurance markets, JDC Benefits can offer affordable HMO, PPO, and POS health insurance coverages throughout eastern Pennsylvania and Delaware. |
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Health insurance plans that allow you the most choices in doctors and
hospitals also tend to cost more than plans that limit choices. Individual and family health insurance plans that help to manage the care you receive, such as PPO and POS plans, usually cost you less, but you must give up some freedom of choice. |
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Learn more about HMO, PPO, and POS managed health care
insurance plans by clicking on a link below or click on the link for information on Major Medical health insurance. |
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* Preventive care emphasis
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* Primary care physician (PCP) coordinates your total care
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* Must get a referral from your PCP to visit a specialist
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* Fixed monthly fee
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HMO Health Insurance Policy Overview
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of participating Pennsylvania or Delaware doctors. That doctor is used for typical circumstances such as annual exams and usual health issues. If you need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer you to a provider or facility within the HMO system. Your doctor must give authorization for those services to be covered by your HMO. In other words, you must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit yourself. |
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Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in an HMO health maintenance plan. |
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Click on the link below to fill out a quote request form for a Pennsylvania or
Delaware Individual or Family HMO Health Insurance plan policy that will provide excellent health insurance coverage at an affordable cost. Or speak with our Personal Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
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* Convenient access to quality health care
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* Large and diverse network available of primary care physicians, specialists,
hospitals & clinics. |
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* Pay for services as they are provided
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PPO Health Insurance Policy Overview (Family or Individual)
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You can see any health care professional in the network any time you choose
to make an appointment. You don't need referrals for specialists or other services as you do in an HMO. You can see doctors or specialists outside your PPO network, however, your portion of the costs will be higher. |
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You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a PPO health insurance plan. |
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Click on the link below to fill out a quote request form for a Pennsylvania
or Delaware Individual or Family PPO Health Insurance plan policy that will provide excellent health insurance coverage at an affordable cost. Or speak with our Personal Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
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We are your local Allentown, PA area insurance agency, offering affordable family
or individual health insurance premiums and services in the following Pennsylvania cities and counties: Philadelphia County, Delaware County, Montgomery County, Chester County, Bucks County, Lehigh County, Berks County, Lancaster County, York County, Emmanus, Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville, Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North Catasauqua, Stroudsburg, Philadelphia, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley, Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown, Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bridgewater, Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, and Yardley, PA. |
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JDC Benefits
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Pennsylvania Health Insurance Specialists
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Copyright 2004-2008 JDC Benefits, LLC - All rights reserved
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Family & Individual Health Insurance
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Click on the link below to fill out a quote request form for a
Pennsylvania or Delaware Individual or Family Health Insurance policy that will provide excellent insurance coverage at an affordable cost. Or speak with our Personal Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at
215-900-1163 to discuss the features.
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Individual or Family Health Insurance
Plan Polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Individual or Family Health
Insurance Plan Polices we offer by clicking on a link below! |
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Health Insurance Policy Overview (Family or Individual)
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Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets
you see any licensed health care professional for anything covered by the insurance. Care you receive from out-of-plan health care professionals is reimbursed, but you must pay an often times much higher co-payment or deductible amount. While you may choose to see a physician outside the network, if you don't receive permission from your (PCP) primary care physician, you're likely to end up submitting the bills yourself and receiving only a small reimbursement - if any.
Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered by the policy. |
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Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a POS health insurance plan. |
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Click on the link below to fill out a quote request form for a Pennsylvania
or Delaware Individual or Family POS Health Insurance plan policy that will provide excellent health insurance coverage at an affordable cost. Or speak with our Personal Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Individual or Family Health
Insurance Plan Polices we offer by clicking on a link below! |
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Major medical health insurance provides benefits up to a high limit for most
types of medical expenses incurred, subject to a deductible. Once you meet the deductible, our Pennsylvania or Delaware Major Medical Insurance plans pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you pay the other 20%, which is known as co- insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the insurance company, which pays part of it. Usually, you have a deductible such as $250 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. Major Medical Insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan. |
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Managed Health Care Plans:
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Learn more about the Individual or Family Managed Health Care
Insurance Plan Polices we offer by clicking on a link below!
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Click on the link below to fill out a quote request form for a Pennsylvania
or Delaware Individual or Family Major Medical Health Insurance policy that will provide excellent health insurance coverage at an affordable cost. Or speak with our Personal Health Insurance agent specialists, Eric Johnson at 267-471-7140 or Phil Mishler at 215-900-1163 to discuss the features. |
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We also offer affordable Family Health Insurance services in the following Delaware
counties and cities: Castle County, Kent County, Sussex County, Newark, Claymont, Middletown, Dover, Milford, Georgetown, Seaford, Yorklyn, Centerville, Talleyville, Greenville, Newport, New Castle, Hillcrest, Elsmere, Penny Hill, Graylyn Crest, Ardentown, Hockessin, Delaware Heights, Devonshire, Arden, Fairfax, Dunleith, Meadowood, Sherwood Park, Wilmington Manor, Lancaster Village, Ashland, Penn Acres, Green Acres, Darley Woods, Wilmington Gardens, Ogletown, Delaware City, Woodland Beach, Bay View Beach, Wilmington, DE. |
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JDC Benefits, LLC
Lehigh Valley Office
322 Juniper Street
Quakertown, PA 18951
Bucks County, Pennsylvania
Eric Johnson
267-471-7140
Fax: 215-538-8641
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"We are your Pennsylvania
Health Insurance Agents"
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JDC Benefits, LLC
Philadelphia Area Office
307 Hart Alley
Newtown, PA 18940
Philip Mishler
215-900-1163
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