This Health Insurance Company of the State of Pennsylvania Review will discuss the Pennsylvania Insurance Department. This organization has the responsibility of administering the insurance regulations in the state of Pennsylvania. It helps to protect the rights of the residents of Pennsylvania as they pertain to insurance products.
If you would like to search for health insurance for companies in your area, all you need to do is fill in your zip code and you will be able to compare health insurance quotes for a variety of companies.
Pennsylvania Insurance Department Locations
The main headquarters for the insurance department are located in Harrisburg, Pennsylvania. The address is:
1326 Strawberry Square
Harrisburg, PA, 17120
Other offices for the department are located in other areas of the city. The regional office for consumer services and the licensing division are located at:
1209 Strawberry Square
Harrisburg, PA, 17120
The office for adult Basic and CHIP is located at:
1142 Strawberry Square
Harrisburg, PA, 17120.
The office for administrative hearings and the Bureau of special funds, rehabilitations, and liquidations is located at:
901 N. 7th St
Harrisburg, PA, 17102
The office of Mcare is at:
30 North Third St.
Harrisburg, PA, 17101
The mailing address is:
PO Box 102030
Harrisburg, PA, 17108- 2030
The office for consumer services is located at:
801 Market Street, Room 6062
Philadelphia, PA, 19107
The office for Mcare Rosemont is at:
1062 Lancaster Ave, Ste 15- F
Rosemont, PA, 19010.
Pennsylvania Insurance Department Consumer Services
The Pennsylvania Insurance Department does not actually sell insurance. It is a regulatory agency for consumers that currently have insurance or are searching for a policy. The department supplies a section on their website that offers resources, tips, and answers questions about insurance.
One of the consumer resources answer questions relating to the necessity of insurance. It talks about being prepared and your rights concerning financial and health privacy. Another resource reviews the different types of insurance policies including:
- Workers comp insurance
The Pennsylvania Insurance Department gives advice on how to decide on an insurance company when you are searching for one. It talks about customer service, the financial solvency of a company, the history of a company, the rates, and if the coverage you are looking for is offered by a company. It suggests researching at least three different companies to compare.
The insurance department gives resources to find out if the insurance professional or company you are working with or searching for is licensed. It also offers a place where you can submit a claim about an insurance producer or company.
Pennsylvania Insurance Department Licensees Services
The Pennsylvania Insurance Department requires that all insurance professionals be licensed in the state of Pennsylvania in order to negotiate, solicit, or sell insurance. The requirements for licensing vary depending on the license you are applying for as well as the status of your residency in the state.
The insurance department offers resources for those individuals who are applying for licenses including:
- Fee schedule
- Application process
- Maintaining your license
- Printing your license
Pennsylvania Insurance Department Insurance Companies Services
The regulations for insurance in the state of Pennsylvania are very specific regarding department notices, statements of policy, regulations, and statutes. The job of the Pennsylvania Insurance Department is to regulate these and make sure that all insurance companies who actively promote and sell insurance products in the state adhere to them.
The department offers resources and links for insurance companies about information such as the requirements for financial filing, changing your business profile, requirements for rate and product filing, doing business in the state of Pennsylvania, and activity in the industry.
If an insurance company does not comply with the laws put forth by the insurance regulators the Pennsylvania Insurance Department has the authority to suspend its insurance license, impose fines, or revoke its license.
The investigations by the department range from watching the activity of insurance companies, business entities, and licensed individuals, examining files, practices, and records of insurance entities and if they comply with the regulations and statutes of the state. The department also makes sure that the insurance rates charged are not excessive or discriminatory to any group or individual.