Insurance in Philadelphia
Data source: US Census year 2000
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Uninsured in Bucks County
Philadelphia is in Bucks County.
One out of ten people in Bucks County (7.2%) lack health insurance. In the state of Pennsylvania, 9.9% are without.
Among the population under 18 years in Bucks County, 4.4% are uninsured, while the figure for Pennsylvania is 7.1%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Philadelphia
Cities are generally less safe to live in than small towns. Violent crime in Philadelphia is 233.6% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Philadelphia is 29.6% higher than nationally.
There are 20411 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Philadelphia (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 62% of Philadelphia residents drove to work, and 25% used public transport. 9% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Philadelphia, Pennsylvania Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Philadelphia, Pennsylvania
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Alleyne, Craig C - State Farm Insurance Agent
(215) 438-84406335 Wayne Avenue
Philadelphia, Pennsylvania 19144-3112 -
American International Companies American International Accident & Health Ad & D
(215) 255-62911000 Franklin Mills Cir
Philadelphia, Pennsylvania 19154-3115 -
Bantom-Martin, Erica - State Farm Insurance Agent
(215) 334-42801324 Washington Avenue
Philadelphia, Pennsylvania 19147-3626 -
Barlick, James B - State Farm Insurance Agent
(215) 676-261110789 Bustleton Avenue
Philadelphia, Pennsylvania 19116-3320 -
Dancy, Wanda D - State Farm Insurance Agent
(215) 871-33902805 N 47th St., Suite 600
Philadelphia, Pennsylvania 19131-1560 -
Daniel J OMara Ins Agcy Inc - State Farm Insurance Agent
(215) 425-61612644 E. Tioga Street
Philadelphia, Pennsylvania 19134-5425 -
Daniel Jr, Earnest - State Farm Insurance Agent
(215) 747-7427246-48 South 52nd Street
Philadelphia, Pennsylvania 19139-4004 -
DeNofa, Ernest S - State Farm Insurance Agent
(215) 745-37008012 Pine Road
Philadelphia, Pennsylvania 19111-1809 -
DiJoseph Jr, John - State Farm Insurance Agent
(215) 334-10331527 Jackson Street
Philadelphia, Pennsylvania 19145-3943 -
Gottesman, Jeffrey S - State Farm Insurance Agent
(215) 725-10009551 Bustleton Avenue
Philadelphia, Pennsylvania 19115-3800 -
Gregg Englebreth Ins Agcy Inc - State Farm Insurance Agent
(215) 552-990012029 Bustleton Avenue
Philadelphia, Pennsylvania 19116-2107 -
Integrity Insurance & Tags
(215) 335-34143301 Welsh Rd
Philadelphia, Pennsylvania 19136-2320 -
Integrity Insurance & Tags
(215) 790-0558811 S Broad St
Philadelphia, Pennsylvania 19140-2631 -
Jackson Sr, Dennis M
(215) 333-29497034 Frankford Avenue
Philadelphia, Pennsylvania 19135-1617 -
Jackson Sr, Dennis M - State Farm Insurance Agent
(215) 289-51794707 Frankford Avenue
Philadelphia, Pennsylvania 19124-5812 -
Jerry Gregory Ins Agcy Inc - State Farm Insurance Agent
(215) 338-33138102 Roosevelt Blvd
Philadelphia, Pennsylvania 19152-2911 -
John Nicolucci Ins Agcy Inc - State Farm Insurance Agent
(215) 482-70006001 Ridge Avenue
Philadelphia, Pennsylvania 19128-1651 -
Joseph Ems Insurance Agcy Inc - State Farm Insurance Agent
(215) 333-51007348 Frankford Avenue
Philadelphia, Pennsylvania 19136-3829 -
Kevin Lowber Ins Agcy Inc - State Farm Insurance Agent
(215) 533-90101347 E Hunting Park Avenue
Philadelphia, Pennsylvania 19124-4929 -
Kweder, George V - State Farm Insurance Agent
(215) 467-18371521 Oregon Avenue
Philadelphia, Pennsylvania 19145-4640 -
Lavery, William A - State Farm Insurance Agent
(215) 332-90007005 Bustleton Avenue
Philadelphia, Pennsylvania 19149-1806 -
Masino, James J - State Farm Insurance Agent
(215) 271-60301529 South 2nd Street
Philadelphia, Pennsylvania 19147-6105 -
McAllister, Leroy C - State Farm Insurance Agent
(215) 387-71813901 Market Street
Philadelphia, Pennsylvania 19104-3133 -
Michael Hickey Ins Agcy Inc - State Farm Insurance Agent
(215) 753-150186 Bethlehem Pike
Philadelphia, Pennsylvania 19118-2821 -
Moore, Lester D - State Farm Insurance Agent
(215) 224-44006201 Front Street
Philadelphia, Pennsylvania 19120-1541 -
Nicholas V Saracino Ins Ag Inc State Farm Insurance Agent
(215) 722-69007954 Bustleton Avenue
Philadelphia, Pennsylvania 19152-3321 -
Ovecka, Vincent C - State Farm Insurance Agent
(215) 739-0800456 East Girard Avenue
Philadelphia, Pennsylvania 19125-3326 -
Owens, Sharon P - State Farm Insurance Agent
(215) 333-55447034 Frankford Avenue
Philadelphia, Pennsylvania 19135-1617 -
Paul J Hoffman Ins Agency Inc - State Farm Insurance Agent
(215) 389-47372655 South 12th Street
Philadelphia, Pennsylvania 19148-4303 -
Paul Nawrocki Ins Agy Inc - State Farm Insurance Agent
(215) 728-74006388 Castor Avenue
Philadelphia, Pennsylvania 19149-2733 -
Penning, David E - State Farm Insurance Agent
(215) 537-80502962 Robbins Avenue
Philadelphia, Pennsylvania 19149-3009 -
Stabler, John R - State Farm Insurance Agent
(215) 331-43006726 Torresdale Avenue
Philadelphia, Pennsylvania 19135-2416 -
Taylor Insurance Services
(215) 520-95546541 Roosevelt Blvd
Philadelphia, Pennsylvania 19149-2918 -
Wilkins, Pamela R - State Farm Insurance Agent
(215) 331-45008445 E Frankford Ave
Philadelphia, Pennsylvania 19136 -
Winkler, Gary P - State Farm Insurance Agent
(215) 725-69006640 Rising Sun Avenue
Philadelphia, Pennsylvania 19111-4641 -
Zeitz, Neil H - State Farm Insurance Agent
(215) 725-25001811 Cottman Avenue
Philadelphia, Pennsylvania 19111-3804
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Philadelphia Facts
Data source: US Census year 2000
Population
Population in Philadelphia is 1,448,394.
98% of Philadelphia residents are White, 44% are Native American, 42% are African-American, 7% are a mix of two or more races, and 5% are Pacific Islander.
Economy
The median income in Philadelphia is $28,603 for men, and $24,804 for women.
Compared to the typical person in the state of Pennsylvania, a resident of Philadelphia makes 3.5% less. The trend for Pennsylvania is that the median income is increasing. (2006)
182,480 people (13% of the population) were living on an income below the poverty level as of 2006. The poverty in Philadelphia was increasing compared to the year before.
The typical home is worth $115,500. 42% of Philadelphia homeowners own their home outright, paying typically $393 per month in owner costs. Among those with a mortgage (58% of homeowners), the median monthly owner cost is $1,088. (2006)
Housing
There are a total of 660,389 homes in Philadelphia. Of these, 9,490 were for sale, and 33,185 homes were available to rent in 2006. 322,725 (58%) were owner-occupied, and 231,323 (42%) were occupied by renters. (2006)
Age
The median age for men in Philadelphia is 32, and in Pennsylvania the average man lives to be 74. The median age for women in Philadelphia is 37, and women in Pennsylvania live to be 79, on average. (2006)
Education
The education level in Philadelphia is low compared to the national average.
Among men over 25, 25% has a college degree, and 14% has some college. Out of the men that didn't study in college, 62% graduated from High School, and 38% dropped out.
Among women over 25, 26% has a college degree, and 15% has some college. Out of the women that didn't study in college, 63% graduated from High School, and 37% dropped out. (2006)
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