Online Insurance Resources

Federal and State Resources

Area Agency on Aging

The Area Agency on Aging offers Insurance Counseling including a certified APRISE Counselor to specifically assist with Medicare and Medicaid counseling.

For more information, please call:
Cambria County Area Agency on Aging at (814) 539-5595
Somerset County Area on Aging at (814) 443-2681

Helpful questions to consider as you shop for health insurance

Does the plan…

Charge a premium in addition to the Medicare Part B premium?
Charge copayments for doctor visits?
Charge more if I use a doctor or hospital outside the plan? How much?
Have maximum amounts it will pay for different services?
Set limits on what doctors and hospitals charge you?
Charge a deductible or coinsurance for inpatient hospital services, home health, or skilled nursing facility services?
Pay for prescriptions? How much?
Does the plan cover the drugs I use?
May I use my regular pharmacy
Are mail-order pharmacies available?
What is the annual or quarterly dollar limit on prescription drug coverage?
Will I have to pay more if I prefer to use brand name instead of generic drugs?
Is there a maximum out-of-pocket cost for prescription drugs? What is it?
Does the plan limit the drugs it pays for to those on a list of drugs (called a formulary)?
Are the hours and location of its doctors, clinics and other health care providers convenient?
Is my access to emergency care convenient?
Are the doctors’ offices, lab, and other services convenient?
How fast can I be seen for urgent (non-emergency) care?
Is there a telephone hotline for medical advice?
Are my doctors in the plan?
Is there a selection of the doctors, health professionals, and hospitals that I might need?
Can I get the doctor I want? Is he/she accepting new patients under that plan?
Routine physicals?
Eye exams, glasses, contacts?
Dental exams/treatments?
Programs that focus on helping members with specific, chronic conditions such as asthma, diabetes or heart conditions?

For more information or assistance, please call Customer Service:

Hospital Billing: 1-888-480-3539 or (814) 410-8470

Physician Billing: 1-800-865-0794 or (814) 410-8300

Hours of operation are Monday through Friday, 8 am to 4 pm.