December 18, 2023 • 9 mins
New to buying health insurance? Pennie provides step-by-step help to get you the high-quality coverage that is right for you.Pennie is the only place that provides financial savings to help lower your monthly premium and possibly out-of-pocket costs for Pennsylvanians. Thanks to updated federal laws, health coverage has never been more affordable! https://pennie.com/
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Episode Transcript
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(00:00):
Ninety four point five three WUS,Pittsburgh's number one Christmas music station, Johnny
Hartwell on a Saturday morning, acouple of days before Christmas, and a
special guest in studio. We haveChachi Angelo, who is Penny Communications director.
I so obviously well, first ofall, Merry Christmas, Chachi,
Oh, Merry Christmas, Happy Holidays. The excitement is building. Penny dot
(00:22):
com tell us everything we need toknow about Penny. Yeah, Penny,
It's PA's official health insurance marketplace.So this is where Pennsylvanians can get the
lowest costs on high quality health plans. So you know, and whenever I
get this question a lot, wellwhat is Penny and how does it even
affect me? So let me putit in terms that we can talk about
in Pittsburgh. Imagine going to Jinnaglein that and you're walking. Instead of
(00:46):
going down the aisles and getting youknow, milk, bread and butter and
whatever you need to survive a snowstorm, you're getting a health plan. So
it's the marketplace where health health plansare sold. So these are our health
plans, and these are insurance companiesthat you know that you might be under
(01:06):
at work, maybe you lost coveragefrom work. That's where you would go
to the marketplace to get your healthincarey. Now, why would we go
to Penny as opposed to maybe thefederal government. Well, Pennsylvania broke away
from healthcare dot gov and set upour own marketplace, and that's Penny dot
Com. So we were able tocontrol the marketing, control the application,
control the relationship with the insurance companies. So we were able to set it
(01:32):
up strictly for Pennsylvania. So that'sthe difference is if you went to healthcare
dot gov and you click Pennsylvania,it's going to send you right to Penny
dot com. Now, who iseligible for Penny at really anybody nineteen to
sixty four. So we pick upwhere Medicaid leaves off and we take you
all the way up to Medicare.So if you don't get health coverage from
(01:53):
your job or Medicaid, Medicare oranother area where you would get health insurance,
you know, maybe the VA,it's you go to Penny dot com.
It's the insurance marketplace. It's theindividual insurance marketplace. Now is there
a deadline? Yeah, yeah,open enrollment is happening. Now you have
until January nineteenth. Normally open enrollmentends on the fifteenth, but that's a
(02:15):
holiday Martin Luther King Junior Day,so we extended it to January nineteenth.
And if you enroll before January nineteenth, your coverage starts on February first.
Now, Penny is the official onlinemarketplace made possible by the State of Pennsylvania
and the top private insurance companies toprovide affordable, high quality insurance plans right
here for Pennsylvanians. If you needmore information, just go to the website
(02:38):
Penny dot com. That's pe doublenie dot com. Or you could call
eight four four eight four four eightzero four zero. That's eighty forty at
the end. Marwa Chauchi coming up, the Penny communications director. Now more
holiday favorites ninety four point five threeWS. Here's Elvis Presley, Silver,
(03:00):
Martina McBride ninety four point five threeWS. Your home for the holidays,
Johnny Hertwell on a Saturday morning,just a couple of days before Christmas,
and we're talking with Chachi Angelo,who is the communication director for Penny.
So I know we asked you before, but I'm going to ask you again
what exactly is Penny Chachi. Yeah, I mean it's the question that we
(03:20):
get all the time, so weshould probably reiterate it. It's Penny and
Penny dot Com is PA's official healthinsurance marketplace where you can get the lowest
costs on high quality health plans.All right, So when you say lowest
cost what does that mean? Arethey really going to have significant savings?
Yeah, significant savings. We're seeingforty percent of folks are paying less than
(03:44):
eighty bucks a month for health coverage. And these this is high quality coverage.
You know. These are plans thathave to cover hospitalizations, preventative care,
maternity care, I mean, prescriptions. These are plans that are high
quality that you definitely are. Itgives you that peace of mind that I'm
covered, you know, if somethinghappens in an accident or if I get
(04:08):
sick, these plans are going toare are going to cover you. But
let's talk about the savings part ofit. These are on the spot tax
credits that lower the cost of yourmonthly premium or you're out of pocket costs.
So if you remember during COVID therewas that child tax credit that was
spread out across different months, that'sexactly what happens with your health insurance monthly
(04:32):
payment. You get a monthly onthe spot tax credit that you can use
to lower your payment. So ifyou're paying completely out of pocket, these
plans are five hundred and six hundreddollars, but through Penny, and only
through Penny. Since we're the officialhealth insurance marketplace, you can get that
cost significantly sliced. All right.If you need more information, go to
(04:54):
Penny dot com. That's pe doublenie dot com. If somebody's in interested,
where did they go, they'd goto the website and what kind of
support will they get on the website? Yeah, Penny dot com. We
have a lot of self help thingsbecause you know, if you're anybody that
I talk to that's under the ageof thirty five, they don't want to
pick up the phone for anything.So there's a lot of self help there.
(05:15):
You can chat right there on Pennydot com. But you can also
give us a call and we canconnect you to certified pros that are trained
specifically to help folks right on Penny. So these are assisters that are in
your neighborhood. These are brokers thatare in your neighborhood and they can help
you through the entire application process.So even if you just raise your hand
(05:35):
and say I know I need healthcoverage and that's all that I know,
we can get you from that pointall the way to cover all right,
If you want more information or ifyou want to make that phone call,
it's eight four four eight four foureighty forty. And of course, like
Chauchi said, Penny dot com,that's pe double Nie dot com more with
Chauci coming up next. Ninety fourpoint five three WUS, Pittsburg's number one,
(05:57):
Pittsburgh's number one Christmas music station,SI Nice just a sign with the
Chip monks. Ninety four point fivethree WS your home for the Holidays Jonny
Hartwell on a Saturday morning, andwe're talking with Chachi Angelo, Penny communications
director. Now Penny is the officialonline marketplace of Pennsylvania where you can get
(06:23):
private insurance companies that provide affordable,high quality insurance plans to Pennsylvania's And I
can't truss it enough that the deadlineis coming up on January nineteenth. But
Chauchi, I kind of explained Penny, But did I leave anything else?
What is the most important thing youwant? People? Our three WS listeners.
What do you want them to knowabout Penny? Yeah, I mean
(06:45):
you don't want We just heard Alvinand the Chipmunks say Christmas, don't be
late. You don't want to belate to sign up for health coverage,
So get over to penny dot com. The deadline is January nineteenth, and
that's for coverage that starts February first. That way you'll be covered for eleven
months of twenty twenty four. Sothat's the major thing for sure. The
deadline is January nineteenth, So procrastinators, it's time to move. It's time
(07:09):
to act. I know you mentionedthat you know this is your opportunity to
save money, So what's up withthe savings? Tell us a little bit
more. Yeah, this is anon the spot tax credit that you get
each month that lowers your monthly payment. So nine out of ten customers qualify
for financial savings that you can onlyget through Penny, and on average,
Penny provides an average savings of sixthousand dollars a year or five hundred dollars
(07:33):
a month. These are plans thatyou can purchase directly from the insurance company,
but through Penny is the being theofficial health insurance marketplace of Pennsylvania.
We're the only ones that can supplythose savings, all right, So to
get more information, they need togo to the website. If somebody needs
help navigating what to do? Whatdo you suggest? We have a button
(07:55):
right at penny dot com that saysget help. So if you're like,
I know, I need coverage andthat's all that you know, click the
get help button and it's going toconnect you with either online FAQs videos.
But we have a full infrastructure thousandsof people around the state that are certified
through Penny to help you through theapplication and get you the savings, get
you a quality plan, and theseare a variety of different plans, different
(08:18):
levels, different plans, selections thatyou can get it specifically for your need,
so you can get your doctor innetwork, your prescriptions and get a
nice, high quality plan. Fortwenty twenty four, you mentioned FAQs frequently
asked questions. What are some ofthe questions that you get? Yeah,
who can qualify for Penny And that'sreally anybody that doesn't get their health insurance
(08:39):
through their job or Medicaid or Medicare. And just in twenty twenty three,
a lot of people became not qualifiedfor Medicaid or in Pennsylvania medical assistance,
and they were looking for that nextstep. Penny picks up where Medicaid leaves
off. So if you don't getcoverage from your job, you don't get
coverage from a government program. Pennyis your solution to get high quality coverage.
(09:03):
All right, we only have afew seconds left. Is there anything
we left out that you want toyou want us to mention Penny dot com,
p E N N I E dotcom. The deadline is January nineteenth.
Merry Christmas, Happy holidays. Thatis awesome, chauche, thank you
so much, and Merry Christmas toyourself. Thank you so much. Thank
you. It's a classic from theCrystals ninety four point five three WS Jimmy,
(09:24):
I just came back from a lovelytrip along the Milky Way.
Ninety four point five three WUS,Pittsburgh's number one Christmas music station, Johnny
Hartwell on a Saturday morning, acouple of days before Christmas, and a
special guest in studio. We haveChachi Angelo, who is Penny Communications director.
I so obviously well, first ofall, Merry Christmas, Chachi,
Oh, Merry Christmas, Happy Holidays. The excitement is building. Penny dot
(00:22):
com tell us everything we need toknow about Penny. Yeah, Penny,
It's PA's official health insurance marketplace.So this is where Pennsylvanians can get the
lowest costs on high quality health plans. So you know, and whenever I
get this question a lot, wellwhat is Penny and how does it even
affect me? So let me putit in terms that we can talk about
in Pittsburgh. Imagine going to Jinnaglein that and you're walking. Instead of
(00:46):
going down the aisles and getting youknow, milk, bread and butter and
whatever you need to survive a snowstorm, you're getting a health plan. So
it's the marketplace where health health plansare sold. So these are our health
plans, and these are insurance companiesthat you know that you might be under
(01:06):
at work, maybe you lost coveragefrom work. That's where you would go
to the marketplace to get your healthincarey. Now, why would we go
to Penny as opposed to maybe thefederal government. Well, Pennsylvania broke away
from healthcare dot gov and set upour own marketplace, and that's Penny dot
Com. So we were able tocontrol the marketing, control the application,
control the relationship with the insurance companies. So we were able to set it
(01:32):
up strictly for Pennsylvania. So that'sthe difference is if you went to healthcare
dot gov and you click Pennsylvania,it's going to send you right to Penny
dot com. Now, who iseligible for Penny at really anybody nineteen to
sixty four. So we pick upwhere Medicaid leaves off and we take you
all the way up to Medicare.So if you don't get health coverage from
(01:53):
your job or Medicaid, Medicare oranother area where you would get health insurance,
you know, maybe the VA,it's you go to Penny dot com.
It's the insurance marketplace. It's theindividual insurance marketplace. Now is there
a deadline? Yeah, yeah,open enrollment is happening. Now you have
until January nineteenth. Normally open enrollmentends on the fifteenth, but that's a
(02:15):
holiday Martin Luther King Junior Day,so we extended it to January nineteenth.
And if you enroll before January nineteenth, your coverage starts on February first.
Now, Penny is the official onlinemarketplace made possible by the State of Pennsylvania
and the top private insurance companies toprovide affordable, high quality insurance plans right
here for Pennsylvanians. If you needmore information, just go to the website
(02:38):
Penny dot com. That's pe doublenie dot com. Or you could call
eight four four eight four four eightzero four zero. That's eighty forty at
the end. Marwa Chauchi coming up, the Penny communications director. Now more
holiday favorites ninety four point five threeWS. Here's Elvis Presley, Silver,
(03:00):
Martina McBride ninety four point five threeWS. Your home for the holidays,
Johnny Hertwell on a Saturday morning,just a couple of days before Christmas,
and we're talking with Chachi Angelo,who is the communication director for Penny.
So I know we asked you before, but I'm going to ask you again
what exactly is Penny Chachi. Yeah, I mean it's the question that we
(03:20):
get all the time, so weshould probably reiterate it. It's Penny and
Penny dot Com is PA's official healthinsurance marketplace where you can get the lowest
costs on high quality health plans.All right, So when you say lowest
cost what does that mean? Arethey really going to have significant savings?
Yeah, significant savings. We're seeingforty percent of folks are paying less than
(03:44):
eighty bucks a month for health coverage. And these this is high quality coverage.
You know. These are plans thathave to cover hospitalizations, preventative care,
maternity care, I mean, prescriptions. These are plans that are high
quality that you definitely are. Itgives you that peace of mind that I'm
covered, you know, if somethinghappens in an accident or if I get
(04:08):
sick, these plans are going toare are going to cover you. But
let's talk about the savings part ofit. These are on the spot tax
credits that lower the cost of yourmonthly premium or you're out of pocket costs.
So if you remember during COVID therewas that child tax credit that was
spread out across different months, that'sexactly what happens with your health insurance monthly
(04:32):
payment. You get a monthly onthe spot tax credit that you can use
to lower your payment. So ifyou're paying completely out of pocket, these
plans are five hundred and six hundreddollars, but through Penny, and only
through Penny. Since we're the officialhealth insurance marketplace, you can get that
cost significantly sliced. All right.If you need more information, go to
(04:54):
Penny dot com. That's pe doublenie dot com. If somebody's in interested,
where did they go, they'd goto the website and what kind of
support will they get on the website? Yeah, Penny dot com. We
have a lot of self help thingsbecause you know, if you're anybody that
I talk to that's under the ageof thirty five, they don't want to
pick up the phone for anything.So there's a lot of self help there.
(05:15):
You can chat right there on Pennydot com. But you can also
give us a call and we canconnect you to certified pros that are trained
specifically to help folks right on Penny. So these are assisters that are in
your neighborhood. These are brokers thatare in your neighborhood and they can help
you through the entire application process.So even if you just raise your hand
(05:35):
and say I know I need healthcoverage and that's all that I know,
we can get you from that pointall the way to cover all right,
If you want more information or ifyou want to make that phone call,
it's eight four four eight four foureighty forty. And of course, like
Chauchi said, Penny dot com,that's pe double Nie dot com more with
Chauci coming up next. Ninety fourpoint five three WUS, Pittsburg's number one,
(05:57):
Pittsburgh's number one Christmas music station,SI Nice just a sign with the
Chip monks. Ninety four point fivethree WS your home for the Holidays Jonny
Hartwell on a Saturday morning, andwe're talking with Chachi Angelo, Penny communications
director. Now Penny is the officialonline marketplace of Pennsylvania where you can get
(06:23):
private insurance companies that provide affordable,high quality insurance plans to Pennsylvania's And I
can't truss it enough that the deadlineis coming up on January nineteenth. But
Chauchi, I kind of explained Penny, But did I leave anything else?
What is the most important thing youwant? People? Our three WS listeners.
What do you want them to knowabout Penny? Yeah, I mean
(06:45):
you don't want We just heard Alvinand the Chipmunks say Christmas, don't be
late. You don't want to belate to sign up for health coverage,
So get over to penny dot com. The deadline is January nineteenth, and
that's for coverage that starts February first. That way you'll be covered for eleven
months of twenty twenty four. Sothat's the major thing for sure. The
deadline is January nineteenth, So procrastinators, it's time to move. It's time
(07:09):
to act. I know you mentionedthat you know this is your opportunity to
save money, So what's up withthe savings? Tell us a little bit
more. Yeah, this is anon the spot tax credit that you get
each month that lowers your monthly payment. So nine out of ten customers qualify
for financial savings that you can onlyget through Penny, and on average,
Penny provides an average savings of sixthousand dollars a year or five hundred dollars
(07:33):
a month. These are plans thatyou can purchase directly from the insurance company,
but through Penny is the being theofficial health insurance marketplace of Pennsylvania.
We're the only ones that can supplythose savings, all right, So to
get more information, they need togo to the website. If somebody needs
help navigating what to do? Whatdo you suggest? We have a button
(07:55):
right at penny dot com that saysget help. So if you're like,
I know, I need coverage andthat's all that you know, click the
get help button and it's going toconnect you with either online FAQs videos.
But we have a full infrastructure thousandsof people around the state that are certified
through Penny to help you through theapplication and get you the savings, get
you a quality plan, and theseare a variety of different plans, different
(08:18):
levels, different plans, selections thatyou can get it specifically for your need,
so you can get your doctor innetwork, your prescriptions and get a
nice, high quality plan. Fortwenty twenty four, you mentioned FAQs frequently
asked questions. What are some ofthe questions that you get? Yeah,
who can qualify for Penny And that'sreally anybody that doesn't get their health insurance
(08:39):
through their job or Medicaid or Medicare. And just in twenty twenty three,
a lot of people became not qualifiedfor Medicaid or in Pennsylvania medical assistance,
and they were looking for that nextstep. Penny picks up where Medicaid leaves
off. So if you don't getcoverage from your job, you don't get
coverage from a government program. Pennyis your solution to get high quality coverage.
(09:03):
All right, we only have afew seconds left. Is there anything
we left out that you want toyou want us to mention Penny dot com,
p E N N I E dotcom. The deadline is January nineteenth.
Merry Christmas, Happy holidays. Thatis awesome, chauche, thank you
so much, and Merry Christmas toyourself. Thank you so much. Thank
you. It's a classic from theCrystals ninety four point five three WS Jimmy,
(09:24):
I just came back from a lovelytrip along the Milky Way.
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