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Randy Roberts | Health and Life Insurance Agent | Allentown, PA 18109

Your Affordable Allentown, PA Health Insurance Provider

Are you looking for quality, affordable health insurance in Allentown, PA? If you're like most people, it's on your mind. You've probably filled out forms and clicked some ads only to get a million confusing phone calls. You most likely still don't know how to find the most extensive coverage at an affordable price. If you currently have coverage and find yourself in this situation, it's time to speak to the experts to see if the coverage you have is adequate. If you don't have health insurance coverage, we'll let you know what's available to you. Call the HealthMarkets Randy Roberts Insurance Agency.

Health Insurance Changes Can Make Your Head Spin - We Make It Simple

The Lehigh Valley Preferred Health Insurance Agency - when we come into the picture of your health coverage, you get the information and explanations you need to make it all simple. We are the leading provider of affordable, customizable health insurance plans centered around you in Allentown and throughout the Lehigh Valley. Randy Roberts Insurance Agency will help you to find the best coverage for you and your family at the best possible price.

There is a lot of mis-information and mis-understanding about health insurance these days, and it's only getting worse with the never-ending changes in the healthcare laws, pandemics like Coronavirus, confusing healthcare mergers, deceptive advertising, new technology, urgent/immediate care centers, and hospital network acquisitions. You're head is probably spinning trying to understand how all of this affects you.

You've probably heard at least some of these names or terms if not all of them: LVPHO, capital blue cross medicare, capital blue open enrollment, capital blue cross ppo plan 361, and so many more. Even if you google them, there are so many it can still be uber confusing.

Remember, that's where we come in. Randy Roberts Insurance Agency helps you to navigate the confusion, answers all of your questions, and helps you to confidently choose the best available insurance at the best price.

Local Allentown, Lehigh Valley Health Insurance Experts

HealthMarkets is represented by Randy Roberts and his team in the Lehigh Valley including areas such as Allentown, Bethlehem, Easton, Coopersburg, Emmaus, Northampton, and Wind Gap. Our footprint reaches into the Poconos and Philadelphia areas as well. As a business owner, Randy Roberts understands the need to find the best available product for the best price. We focus on asking lots of questions to assure we're providing the best coverage for your life situation and family. All plans are custom tailored to each individual's and/or family's needs.

Low Cost Allentown Plans You Can Live With
When it comes to health, the 800 pound gorilla on many people's minds is the ever increasing cost of health insurance and healthcare. In the recent years, a slew of changes have allowed states like Pennsylvania and others to apply for waivers from the ACA/Obamamcare insurance mandates. In addition to newly available waivers, coverage mandates are no longer considered legal by way of recent court decisions. Waivers are now available were only available previously many years ago before Obamacare. These were done away with in the ACA. The importance of these renewed waivers and court decisions is the allowance of insurance providers to once again offer more affordable options to the insurance buyer.

Should You Go Without Health Insurance in Allentown

There are still many people, but perhaps less and less who don't appreciate being forced to get health insurance. These people think or insist they don't need the coverage at one time mandated by the Affordable Care Act. They often feel the plans are too expensive, unnecessary, or invasive due to their current health state. Lot's of experts and regular citizens predicted and sounded the alarm, that even with the ACA's subsidies, costs would be too high for Allentown and other US residents to make insurance fit affordably into their household budgets. Even a good deal of people who were granted subsidies found the Obama era health plans unaffordable. Poeple complain they just don't have the high income needed to purchase health plans being offered. However, with new insurance options and flexibility, we can often custom tailor a plan that will work for your family and budget.

The Randy Roberts Insurance Agency handles all the following kinds of insurance for Allentown residents:

    • Individual & Family Health Insurance
    • Medicare Plans
    • Medicare Advantage Plans
    • Medicare Supplemental Insurance
    • Medicare Prescription Drug Plans
    • Small Business Health Insurance
    • Life Insurance, Dental Insurance
    • Vision Insurance
    • Critical Illness Insurance
    • Disability Insurance
    • Accident Insurance
    • Long-Term Care Insurance
    • Wellness Products

Choosing the Right Allentown Insurance Plan

There are a myriad of health plans and other options to choose from, We help you to make sense of the chaos. We make the calls, show you how to compare the plans and costs, and find you the insurance plan that is the best fit.

For example, many are concerned about having access to St Luke's or the Lehigh Valley Health Network. Some are concerned about Capital Blue Cross out of-network costs and will they have access. There are many Capital Bluecross subsidiaries, and people are very confused about what is covered and when it's covered. They have very real concerns and ask, "Will our bills and claims be paid?"

We have many years of expertise and continued access to health insurance plans from providers like Capital Blue Cross, Unitedhealthcare, and Highmark Direct to name a few. Additionally, people often ask us who are the Blue Cross Blue Shield PA providers? Some even ask us for the populytics provider login. They are a healthcare analytics provider that provide insights and possible actions to organizations and individuals alike.

To make a long story short, we often have people come to us rather than the direct providers and their direct health insurance stores. People tell us we saw your Allentown customer experience rating and reputation in Google or online was clearly better.

Consultation's for the Right Fit Are Free
Our services are completely free to you in Allentown. That's right, our help and expertise costs you nothing. We work with nationally recognized insurance companies to offer quality, affordable insurance both inside or outside of the ACA exchanges.

We've met with many people who have visited the Highmark Store Allentown looking for health insurance or the Highmark Medicaid Pennsylvania offerings. People have heard of the Highmark Right Fit Guarantee, and like the idea. At the Randy Roberts Insurance Agency, we make sure you always have the right fit, no matter who your provider is. We help you to choose the right plan from the right provider, so you always have the best coverage and best affordability.

Allentown Health Insurance Terms and How They Affect You

These days there are a myriad of Health Insurance terms that many are unfamiliar with in general, let alone how they affect their coverage and premiums. Our agents take the time to explain how each of these specific terms affects you and advises on how to choose the best custom options to create the most optimized plan available for you and your family.

Deductible
The deductible is important but not always the most important part of the insurance puzzle. This is the amount that you have to pay before the insurance takes over. The lower the deductible the higher the monthly premium and the higher the deductible the lower the premium. If you have major accident, major illness, hospitalization, the deductible is usually reached quickly.

Coinsurance
This is the percentage of medical costs you pay after the deductible is met. For example, insurance may cover 80% of the costs and you would have to pay 20%. The out of pocket usually have a cap or maximum amount after which the insurance covers 100% of your medical costs. Insurance companies negotiate prices with medical providers for lower rates than you would otherwise pay.

CoPayments
Copayments are the payments you pay each time you visit your doctor or provider. Often the copayment is lower if you stay within a certain network or geographic area. Copayments may be higher if you need to see a specialist. Compared to the total cost of health insurance, copayments are not a big concern.

Prescription Plan
Many insurance plans have eliminated prescription coverage or only offer it as additional insurance at an additional cost. If you regularly use prescription drugs, especially less common ones, then this coverage may be important to you. Prescription drug insurance differentiates between generic and name brand drugs, often with limits and higher copays for name brands.

Maximum Out of Pocket Cost
This is an important and often worrying question for many people. We help you to understand what the total cost would be for you if you were to use insurance to its limits. We want to make sure that you are comfortable with and knowledgeable about what your plan actually covers and how much of the costs you may have to bear.

Monthly Payments
We work to make monthly premiums affordable and can often change the monthly payment amount substantially by altering other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are supplemental. Critical care and Hospitalization are other options to cover costs of a critical illness or a hospital visit that are not covered by other insurance. Income Protection can also be written into a plan in the event an illness left you unable to work for an extended period of time.

When you understand how all of these things work together you can easily make the best decision and choose the best health insurance plan. At the HealthMarkets Randy Roberts Insurance Agency, we ask questions to best understand how we can help eliminate gaps in coverage you need, and get you protected with the best possible Health Insurance option for you and your family. We take the time to make sure there aren't unexpected surprises that catch you off guard in your health coverage.

Call today at (610) 419-0634 and let us find the right health insurance for you in Allentown, PA.

  • Available Allentown Providers
  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Individual Health Insurance Plans

I can help you find the health insurance plan that meets your needs, whether you’re under the age of 30 and looking for a low-cost, catastrophic-only plan; a high-coverage platinum plan with low out-of-pocket expenses; or something in between, let me know your desired price point & coverage needs, and I’ll help you find the closest possible, perfect fit.
Allentown PA Family Health Insurance Plans

Family Health Insurance Plans

Your family is the most important part of your life. Let me help you find health insurance that covers everyone, puts your mind at ease, and won’t break the bank. I can help you choose coverage that’s tailored specifically to your family's needs.

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