Frank Ells | Health and Life Insurance Agent | 553 Conestoga Dr Coatesville, PA 19320

Know the Real Facts About Quality, Affordable Health Insurance in Coatesville, PA

Health insurance and healthcare like technology are changing quickly seemingly all the time, so for the latest up to date information and good advice near Coatesville, PA call the HealthMarkets Randy Roberts Insurance Agency. For over 10 years we've been serving customers in the Lehigh Valley at large, Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Danielsville and nearby towns. The HealthMarkets Randy Roberts team knows all of the ins and outs of health insurance policies and changes. We know what to look for in affordable coverage, and we have access to the best options so we can get it for you. Our free consultations and services will help you to obtain the best health insurance for you and your family.

New Trends in Health Insurance Affecting Coatesville & US

Low Cost Coatesville Plans
Like it or not, the biggest thing on most people's minds is the ever rising cost of health insurance and care. In recent months and years, changes have allowed states like Pennsylvania and others to apply for waivers from the Obamamcare insurance mandates. These were available previously to the ACA but were done away with. These waivers allow insurers to now offer more affordable options in the insurance arena. There are certainly people who don't want to purchase health insurance. These individuals may feel they don't need the coverage required by the ACA or private plans because they are too expensive. For mmost and some predicted and warned, even the Affordable Care Act subsidies don't lower costs enough for Coatesville and other residents who found the Obama era plans unaffordable. Many people just don't have the level of income needed to purchase health plans offered by most. However, these new low cost plans we can custom tailor and offer you are also eligible for ACA waivers.

New Technology Leading the Changes
Recently released and brand new not yet released technologies are leading the way and reshaping the healthcare landscape. Everyday we see how doctors diagnose and treat local Coatesville medical problems in new ways. More and more digital technology makes real the promise of better access to medical information when it's needed most and lowers overall costs to patients everywhere. Advances such as robot-assisted, laser, and laparoscopic surgery have greatly reduced the risks involved in many procedures and have served to greatly speed patient's recovery times. New technological innovations are also changing the doctor old patient relationship. Patients can now even connect with their doctors through apps on their Smart Phones. This can be done without an office visit "in the flesh". Many routine health issues can be handled right from the patient's home in Coatesville or anywhere else.

Coatesville Urgent & Immediate Care
No Coatesville Lehigh Valley emergency room visit is required in many cases...Urgent Care, Immediate Care, and Express Care services are growing dramatically in scope and are now commonplace in Coatesville and throughout the Lehigh Valley. Many more simple health care concerns that could only be addressed in hospitals can now be routinely handled by these newer types of facilities. This in the minds of many patients is considered to be more affordable, convenient, and sometimes even life saving. Fortunately the services in these new facilities are also covered by many if not most insurance plans. This lessens and relieves the longtime pressure on hospital emergency rooms that in the past always had to treat many non-urgent health problems.

Gap Insurance
Sometimes good hard working people in Coatesville and nearby towns in the Valley find themselves through no fault of their own between jobs and without insurance. We all know that it may take quite some time for new graduates in Coatesville to find suitable work after completing their schooling. Young adults have until the age of 26 to stay on their parents policy these days. Both of these potentially difficult situations bring about situations where health insurance may easily lapse. Much to the chagrin of many, the Affordable Care Act removed the gap policies that had once helped these individual. The good news is now these policies are back. Shorter-term health coverage plans help individuals for up to a year and can be renewed for up to three years.

The Business of Healthcare
Throughout what's often described as the messy healthcare industry, we're seeing major shifts most would never have ever considered remotely likely or possible. Coatesville and other regional healthcare providers and insurance companies are now consolidating. The reason they're now partnering is obviously to cut costs as most will immediately know, but hopefully also to improve the healthcare experience to customers. The mergers between these health insurance companies and providers in theory helps to reduce unnecessary duplication and hopefully improves the effective management of patient health care. One recent example of a big merger was Aetna merging with CVS. Increasingly, companies are seeking to merge services with suitable business partners in this increasingly competitive health business environment.

Easily Choose Great Health Insurance in Coatesville PA

The comprehensive and professional advice from the team at the Randy Roberts Insurance Agency is offered at no cost to you. We always work with nationally recognized insurance providers to offer both quality and affordability to Coatesville residents. Remember, whether the insurance is inside or outside of the ACA exchanges, we stay completely current on the latest changes and offerings. High quality, affordable health insurance is our whole business. This is what makes us able to better serve our Coatesville and local clients every single day.

The Randy Roberts Insurance Agency handles all the following kinds of Coatesville insurance:

  • 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

Available Coatesville Providers

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

Insurance Terms You Need to Be Familiar with in Coatesville

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don't understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum "out of pocket" limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Coatesville physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in Coatesville and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific Coatesville healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

The Right Insurance Plan in Coatesville, PA for You

Randy Roberts Healthmarkets Agency will help you to finally understand how much your medical care will really cost. Whether you frequently use it, or if you use your insurance at the lowest limits. We may be able to change your monthly payment amount substantially by altering other parts of your total Health Insurance equation.

We work with you to find you the best health insurance plan in the town of Coatesville. At the HealthMarkets Randy Roberts Insurance Agency, we eliminate your gaps in coverage while retaining affordability. You get what you need the most, and we get you protected. We will provide you with the best possible Health Insurance coverage options for your family in or near Coatesville, Pennsylvania.

Call Frank at HealthMarkets/Randy Roberts Insurance today at (267) 221-1346 and let us find the right insurance for you.

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