How To Buy Health Insurance

Prepare for 2019 with 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 runs from November 1 – December 15. This is the period of time when anyone can enroll in an individual health insurance plan for the 2019 plan-year.

Special Enrollment Period (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.

If you don’t have a doctor, My Care Navigator can help you find one. Call 888-258-3428.

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?

Starting November 1, we can help you enroll online. You must be enrolled by December 15 for coverage beginning January 1, 2019.

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

RETURNING MEMBERS: LEARN ABOUT CHANGES FOR 2019

We want to help you make the right decision for you and your family. See how the plans, doctors and hospitals available in your area will change for 2019.

See 2019 Plan Changes