How to Buy Health Insurance
Find a health insurance plan that fits your needs
Below, you’ll find a list of common questions that you may need answered before you enroll
When can I enroll?
Open Enrollment for 2019 has closed. You may be eligible to shop for health insurance during Special Enrollment Period [SEP]. This is the period of time between now and Open Enrollment 2020. SEP allows people to enroll in a plan outside of the Open Enrollment Period. To be eligible for an SEP, you must have undergone a qualifying life event like: Getting married, having a child or losing employer coverage. If you’re eligible, you have 60 days from the qualifying life event to enroll in a plan.
Are my doctors in network?
Find a Doctor to see if your physician is in the network.
Is my hospital in-network?
Highmark networks of hospitals and health care providers give you plenty of options to choose from that are close to home.
Are my prescriptions covered?
To check your prescriptions, visit the RX Formulary or drug benefit tool. It lists all prescription drugs that are covered by Highmark plans.
Am I still covered if I use UPMC providers?
In an emergency, your insurance is always counted as in-network no matter where you use it. Outside of an emergency, there’s a good chance that you’ll have to pay more out-of-pocket costs at a UPMC facility or with a UPMC provider. Visit HighmarkAnswers.com to learn more.
Can I get financial assistance?
You may be eligible for financial help. A health insurance subsidy or tax credit could reduce your insurance costs. A subsidy or tax credit might also enable you to enroll in a more robust plan that better suits your needs. You can learn more and apply at healthcare.gov.
How do I enroll?
As mentioned above, we are in the Special Enrollment Period. You may be eligible to enroll in an individual and family plan with Highmark.
Can I talk to a real person?
Have questions? Give us a call at
Central PA: (855) 865-4326
Western PA: (855) 865-4325
Northeastern PA: (855) 856-0316
Delaware: (855) 329-1759
West Virginia: (855) 329-1758