Highmark Private Insurance: What You Need To Know

Highmark Inc. is a leading health insurance organisation in the United States, providing insurance to approximately 7 million members in Pennsylvania, Delaware, New York, and West Virginia. Highmark is an independent licensee of the Blue Cross Blue Shield Association and is one of the largest Blue Plans in the country. The company offers a range of health insurance plans, including Medicare, Medicaid, and Affordable Care Act (ACA) plans, serving both individuals and businesses. With a history dating back to the 1930s, Highmark has established itself as a prominent player in the health insurance industry, known for its commitment to delivering high-quality, accessible, and affordable healthcare solutions to its customers.

Highmark Inc. is an independent licensee of the Blue Cross Blue Shield Association

The company's history dates back to the 1930s, during the Great Depression, when its predecessor companies were established to help Pennsylvania residents pay for healthcare. The consolidation of Blue Cross of Western Pennsylvania and Pennsylvania Blue Shield in 1996 resulted in the formation of Highmark Inc. Today, Highmark Inc. and its Blue-branded affiliates provide insurance to approximately 7 million members in Pennsylvania, Delaware, New York, and West Virginia.

Highmark Blue Shield, based in Camp Hill, Pennsylvania, serves approximately 1.2 million health plan members and employs about 3,500 people in central Pennsylvania and the Lehigh Valley. Highmark Blue Cross Blue Shield, headquartered in Pittsburgh, Pennsylvania, serves around 2.5 million health plan members and employs nearly 4,000 people across western, north-central, and northeastern Pennsylvania.

Highmark has expanded through affiliations with other Blue Cross Blue Shield organisations, including in Delaware, West Virginia, and New York. These partnerships have allowed Highmark to extend its reach and provide health insurance to more individuals and families across the country.

Highmark Inc.'s independent licensee status with the Blue Cross Blue Shield Association enables it to operate as a leading health insurance provider, delivering comprehensive and accessible healthcare solutions to millions of people across the United States.

Highmark offers health insurance plans for individuals, families, and businesses

Highmark is a leading health insurance organisation in the United States, providing comprehensive health insurance plans for individuals, families, and businesses. With a rich history dating back to the 1930s, Highmark is committed to delivering high-quality, accessible, and affordable healthcare solutions to its customers.

For individuals, Highmark offers a range of health insurance plans tailored to meet diverse needs. These plans include Medicare, Medicaid, and the Affordable Care Act (ACA) options. Highmark also provides specialised plans, such as the Dual Special Needs Plan (D-SNP) and health insurance plans for children and teens. By enrolling in a Highmark plan, individuals can rest assured that their healthcare needs will be covered.

Families can also benefit from Highmark's health insurance offerings. The company understands that each family has unique healthcare requirements, and as such, provides flexible and comprehensive plans. From routine check-ups to specialised care, Highmark's family health insurance options ensure that families can access the necessary healthcare services without financial strain.

In addition to individual and family plans, Highmark offers customised health insurance solutions for businesses. Recognising that every business has distinct needs, Highmark works closely with employers to design plans that cater to their employees' health and well-being. These business plans are designed to be cost-effective and manageable, ensuring that businesses can provide valuable health benefits to their employees.

Highmark's health insurance plans are available in several states, including Pennsylvania, Delaware, New York, and West Virginia. The company operates as Highmark Blue Cross Blue Shield in Western, North Central, and Northeastern Pennsylvania, as well as in West Virginia and Delaware. In Central Pennsylvania and the Lehigh Valley, Highmark Blue Shield serves approximately 1.2 million members. Highmark's presence across these states ensures that individuals, families, and businesses have access to reliable and affordable healthcare options.

Highmark serves millions of members in Pennsylvania, Delaware, New York, and West Virginia

Highmark is a leading health insurance organisation in the United States, providing insurance to approximately 7 million members in Pennsylvania, Delaware, New York, and West Virginia. The company's history dates back to the 1930s and the emergence of the Blue Cross and Blue Shield movement, with the establishment of predecessor companies aimed at helping Pennsylvania residents pay for healthcare.

Highmark Blue Shield, based in Camp Hill, PA, serves approximately 1.2 million health plan members and employs about 3,500 people in central Pennsylvania and the Lehigh Valley. Highmark Blue Cross Blue Shield, based in Pittsburgh, PA, serves approximately 2.5 million health plan members and employs nearly 4,000 people in western, north-central, and northeastern Pennsylvania.

In Delaware, Highmark Blue Cross Blue Shield Delaware serves approximately 460,000 members through its healthcare benefits business. Highmark Blue Cross Blue Shield West Virginia serves approximately 325,000 members and employs nearly 700 people in Parkersburg, Charleston, and Wheeling.

Highmark Blue Cross Blue Shield of Western New York, based in Buffalo, serves members across western New York, while Highmark Blue Shield of Northeastern New York, based in Albany, serves members in the northeastern region of the state.

Highmark Blue Cross Blue Shield and Highmark Blue Shield are Medicare Advantage plans

Medicare Advantage plans combine the coverage of Medicare Parts A and B, with additional benefits. They are tailored to fit individuals' needs and budgets. Highmark offers two types of Medicare Advantage plans: Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans.

HMO plans offer cost savings but restrict you to receiving care from physicians and hospitals within the HMO's network. On the other hand, PPO plans offer more flexibility as they allow you to go outside the plan's network for care, but they are more expensive. PPO plans typically have higher premiums and copayments, especially if you choose an out-of-network provider.

Highmark's Medicare Advantage plans cover a range of basic services, including hospital inpatient services, skilled nursing care, and outpatient and physician visits. Additionally, they offer optional services such as routine vision, dental, and hearing screenings, an allowance for over-the-counter purchases, wellness and fitness programs, and prescription drug coverage.

Highmark also provides several specialty services with some of its plans, including the Highmark Clinical Care Team, Blues on Call, Highmark House Call, and People Able to Lend Support (PALS). These services aim to provide personalized care, 24/7 nursing assistance, annual home visits, and volunteer support for members in need, respectively.

It's important to note that Highmark does not offer all plans in every coverage area, and prices vary based on location, care level, and chosen services.

Highmark has a mobile app for customers to manage their health care

Highmark is a leading health insurance organisation in the United States, providing insurance to approximately 7 million members in Pennsylvania, Delaware, New York, and West Virginia. The company is an independent licensee of the Blue Cross Blue Shield Association and is one of the largest Blue Plans in the country.

Highmark has a mobile app called My Highmark, which allows customers to manage their health care. The app is a one-stop solution for all plan benefits, enabling users to easily manage their healthcare using the same login credentials as the member website. The app provides customers with easy access to their health insurance information and simplifies the process of managing their healthcare needs.

The My Highmark app offers a range of features and functionalities to support customers in navigating their health insurance plan. Users can access information about their specific plan benefits, coverage details, and provider networks. They can also utilise tools to help them find doctors and pharmacies within their network, check the status of their applications, and explore different plan options to make informed choices about their healthcare.

Additionally, the app provides valuable resources for understanding health insurance terms and definitions, as well as answers to frequently asked questions about coverage and insurance plans. This feature ensures that customers can easily access the information they need to make the most of their health insurance and navigate the often complex world of healthcare with confidence.

The My Highmark app is designed to be user-friendly and secure, allowing customers to manage their health care conveniently and efficiently from their mobile devices. By offering this app, Highmark demonstrates its commitment to providing accessible, understandable, and affordable healthcare solutions to its members.

Frequently asked questions