Insurance in Pittsburgh
Data source: US Census year 2000
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Uninsured in Allegheny County
Pittsburgh is the county seat of Allegheny County.
One out of ten people in Allegheny County (7.6%) lack health insurance. In the state of Pennsylvania, 9.9% are without.
Among the population under 18 years in Allegheny County, 4.5% 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 Pittsburgh
Cities are generally less safe to live in than small towns. Violent crime in Pittsburgh is 146.9% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Pittsburgh is 53.8% higher than nationally.
There are 8191 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Pittsburgh (3% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 66% of Pittsburgh residents drove to work, and 20% used public transport. 10% walked to work, and 0% 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.
Pittsburgh, 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 Pittsburgh, Pennsylvania
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Albright, Mark D - State Farm Insurance Agent
(412) 795-52296439 Saltsburg Road
Pittsburgh, Pennsylvania 15235-2071 -
Anthony J Verrico Insurance Agency
(412) 371-58503534 Laketon Rd
Pittsburgh, Pennsylvania 15235-2940 -
Benefits Group the
(412) 782-5003400 Loop St
Pittsburgh, Pennsylvania 15215-3225 -
Bentrem, Douglas R - State Farm Insurance Agent
(412) 367-05008130 Perry Highway
Pittsburgh, Pennsylvania 15237-5214 -
Brophy, Cindy S - State Farm Insurance Agent
(412) 221-27751580 Mclaughlin Run Road
Pittsburgh, Pennsylvania 15241-3100 -
Burstin & Associates Inc
(412) 279-30161039 Lindsay Rd
Pittsburgh, Pennsylvania 15233 -
Charles J Setcavage Ins Ag Inc State Farm Insurance Agent
(412) 921-20082500 Baldwick Road
Pittsburgh, Pennsylvania 15205-4140 -
Chiprich, Frank C - State Farm Insurance Agent
(412) 653-44005614 Brownsville Road
Pittsburgh, Pennsylvania 15236-2912 -
Dear, Michael L - State Farm Insurance Agent
(412) 884-97002150 Brownsville Road
Pittsburgh, Pennsylvania 15210-4273 -
Defabio Mark C Insurance
(412) 242-688510 Duff Road, Suite 107
Pittsburgh, Pennsylvania 15235-3205 -
Dengler, Denise L
(412) 366-18183475 Babcock Boulevard
Pittsburgh, Pennsylvania 15237 -
Diversified Plan Services Inc
(412) 366-80558006 Broadlawn Dr
Pittsburgh, Pennsylvania 15237-4153 -
Donohue, Kevin D - State Farm Insurance Agent
(412) 621-06004522 Liberty Avenue
Pittsburgh, Pennsylvania 15224-1831 -
Donohue, Thomas J - State Farm Insurance Agent
(412) 351-33054063 Greensburg Pike
Pittsburgh, Pennsylvania 15221-3922 -
Dudenas, Michael J - State Farm Insurance Agent
(412) 561-5012901 Castle Shannon Boulevard
Pittsburgh, Pennsylvania 15234-1603 -
Dumbaugh, William J - State Farm Insurance Agent
(412) 884-81001236 Grove Road
Pittsburgh, Pennsylvania 15234-2311 -
Ellis, Patricia A - State Farm Insurance Agent
(412) 795-550012125 Frankstown Road
Pittsburgh, Pennsylvania 15235-3403 -
Erie Insurance
(412) 371-58503534 Laketon Rd
Pittsburgh, Pennsylvania 15235-2940 -
Financial Gains Inc
(412) 782-5003400 Loop St
Pittsburgh, Pennsylvania 15215-3225 -
G Carolyn Dorsey Ins Agcy Inc - State Farm Insurance Agent
(412) 361-80005901 Baum Blvd
Pittsburgh, Pennsylvania 15206-3807 -
Grace Robinson Ins Agcy Inc - State Farm Insurance Agent
(412) 682-73835108 Baum Boulevard
Pittsburgh, Pennsylvania 15224-2302 -
Greca, Donald W - State Farm Insurance Agent
(412) 364-05509150 Perry Highway
Pittsburgh, Pennsylvania 15237-5441 -
Hall, Douglas F - State Farm Insurance Agent
(412) 367-37109800 McKnight Road
Pittsburgh, Pennsylvania 15237-6005 -
Heller, Stephen D - State Farm Insurance Agent
(412) 824-480021 Yost Blvd Suite 303
Pittsburgh, Pennsylvania 15221-5283 -
Holt, Arthur J - State Farm Insurance Agent
(724) 327-3217907 Presque Isle Drive
Pittsburgh, Pennsylvania 15239-2725 -
Iagnemma, James A - State Farm Insurance Agent
(412) 279-95752101 Greentree Road
Pittsburgh, Pennsylvania 15220-1400 -
James-Walton, Robin L - State Farm Insurance Agent
(412) 366-84307805 McKnight Road, Suite 208
Pittsburgh, Pennsylvania 15237-3521 -
John Ryce Insurance Agency Inc State Farm Insurance Agent
(412) 364-64209401 McKnight Road
Pittsburgh, Pennsylvania 15237-6000 -
Komlenic, Edward J - State Farm Insurance Agent
(412) 241-38351042 S Braddock Avenue
Pittsburgh, Pennsylvania 15218-1237 -
Kotick Insurance Agency
(412) 521-8200
Pittsburgh, Pennsylvania 15233 -
Long, Stephen W - State Farm Insurance Agent
(412) 531-56003090 W Liberty Avenue
Pittsburgh, Pennsylvania 15216-2456 -
Mastay, Valerie A - State Farm Insurance Agent
(412) 795-54407883 Saltsburg Road
Pittsburgh, Pennsylvania 15239-1727 -
Masters, David F - State Farm Insurance Agent
(412) 422-16161900 Murray Avenue
Pittsburgh, Pennsylvania 15217-1657 -
McGivern Barbara A
(412) 885-1717Caste Village Mall Suite 116 Baptist & Grove Roads
Pittsburgh, Pennsylvania 15236 -
Medical Benefits Network
(412) 341-14001080 Greentree Rd
Pittsburgh, Pennsylvania 15233-3118 -
Medical Benefits Network
(412) 341-1400W/PA Region
Pittsburgh, Pennsylvania 15233 -
Moore, Kenneth E - State Farm Insurance Agent
(412) 367-2161947 Perry Highway
Pittsburgh, Pennsylvania 15237-2106 -
Morosco, Donna C - State Farm Insurance Agent
(724) 941-17001105 Boyce Road
Pittsburgh, Pennsylvania 15241-3908 -
Morris, Eric S - State Farm Insurance Agent
(412) 821-02252015 Babcock Blvd
Pittsburgh, Pennsylvania 15209-1305 -
Neil Ronald M Insurance
(412) 242-5995133 Jefferson Road Suite 1A
Pittsburgh, Pennsylvania 15235-3718 -
Nelson, Edmund C - State Farm Insurance Agent
(412) 835-2225301 South Hills Village
Pittsburgh, Pennsylvania 15241-1400 -
OKorn, George S - State Farm Insurance Agent
(412) 921-11824486 Steubenville Pike
Pittsburgh, Pennsylvania 15205-9628 -
Olenn, Stanley F - State Farm Insurance Agent
(412) 344-3030300 Cedar Blvd
Pittsburgh, Pennsylvania 15228-1155 -
Paterra, Thaddeus P - State Farm Insurance Agent
(412) 922-2622984 Greentree Road
Pittsburgh, Pennsylvania 15220-3237 -
Perciavalle, Monica L - State Farm Insurance Agent
(412) 885-17175301 Grove Road Suite M104
Pittsburgh, Pennsylvania 15236 -
Rinker, John N - State Farm Insurance Agent
(412) 828-9190430 Freeport Road
Pittsburgh, Pennsylvania 15238-3457 -
Robinson, Robert M - State Farm Insurance Agent
(412) 344-30143111 Banksville Road
Pittsburgh, Pennsylvania 15216-2756 -
Sciulli, Joseph - State Farm Insurance Agent
(412) 881-75281236 Grove Road
Pittsburgh, Pennsylvania 15234-2311 -
Shanta Sr, Charles R - State Farm Insurance Agent
(724) 327-3227906 Presque Isle Drive
Pittsburgh, Pennsylvania 15239-2726 -
Shelton-Lamot, Darlene M - State Farm Insurance Agent
(412) 322-1064911 Western Avenue
Pittsburgh, Pennsylvania 15233-1717 -
Stanish, William J - State Farm Insurance Agent
(412) 766-5500556 Lincoln Avenue
Pittsburgh, Pennsylvania 15202-3530 -
State Farm Insurance Companies Automobile-Fire Life, Agents, Smith Elaine
(412) 781-07701014 Main Street
Pittsburgh, Pennsylvania 15215-2406 -
Sterling, Thomas S - State Farm Insurance Agent
(412) 885-88505320 Clairton Blvd
Pittsburgh, Pennsylvania 15236-2713 -
Sykes, Gregory E - State Farm Insurance Agent
(412) 341-0100504 Washington Road
Pittsburgh, Pennsylvania 15228-2817 -
Tennant, Irvin A - State Farm Insurance Agent
(412) 884-38274232 Brownsville Road
Pittsburgh, Pennsylvania 15227-3330 -
Thompson, Nadine J - State Farm Insurance Agent
(412) 367-31775000 McKnight Road
Pittsburgh, Pennsylvania 15237-3428 -
Tielsch, Francis C - State Farm Insurance Agent
(412) 793-23401014 Unity Center Road
Pittsburgh, Pennsylvania 15239-1854 -
United Health Care Services
(412) 281-91182900 Smallman St
Pittsburgh, Pennsylvania 15201-1523 -
Zeli, Darla R - State Farm Insurance Agent
(412) 431-71662320 East Carson Street
Pittsburgh, Pennsylvania 15203-2110
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.
Pittsburgh Facts
Data source: US Census year 2000
Population
Population in Pittsburgh is 297,061.
67% of Pittsburgh residents are White, 26% are African-American, 3% are Asian, 2% are a mix of two or more races, and 1% are of some other race.
Economy
The median income in Pittsburgh is $23,139 for men, and $20,601 for women.
Compared to the typical person in the state of Pennsylvania, a resident of Pittsburgh makes 19.9% less. The trend for Pennsylvania is that the median income is increasing. (2006)
29,139 people (10% of the population) were living on an income below the poverty level as of 2006. The poverty in Pittsburgh was decreasing compared to the year before.
The typical home is worth $76,500. 40% of Pittsburgh homeowners own their home outright, paying typically $442 per month in owner costs. Among those with a mortgage (60% of homeowners), the median monthly owner cost is $1,017. (2006)
Housing
There are a total of 159,075 homes in Pittsburgh. Of these, 3,492 were for sale, and 9,589 homes were available to rent in 2006. 69,957 (53%) were owner-occupied, and 62,480 (47%) were occupied by renters. (2006)
Age
The median age for men in Pittsburgh is 35, and in Pennsylvania the average man lives to be 74. The median age for women in Pittsburgh is 39, and women in Pennsylvania live to be 79, on average. (2006)
Education
The education level in Pittsburgh is high compared to the national average.
Among men over 25, 41% has a college degree, and 14% has some college. Out of the men that didn't study in college, 70% graduated from High School, and 30% dropped out.
Among women over 25, 35% has a college degree, and 16% has some college. Out of the women that didn't study in college, 72% graduated from High School, and 28% dropped out. (2006)
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