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

Bethlehem PA Health Insurance - High Quality & Affordable

Are you looking for quality, affordable health insurance in Bethlehem, PA? If you're like most people, it's on your mind, and you probably don't know how to find the most comprehensive coverage options at an affordable price. If you find yourself in this situation, or it's just time to review the coverage you have to see if it can be better, call the HealthMarkets Randy Roberts Insurance Agency.

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

With all of the changes in the healthcare laws, health insurance provider mergers, new technology, urgent/immediate care centers, and hospital network acquisitions, you're head is probably spinning trying to understand how this affects you. 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 the Lehigh Valley. Randy Roberts will find the best coverage you need for you and your family at the best possible price.

Local Bethlehem, Lehigh Valley Health Insurance Experts

HealthMarkets is represented by Randy in the Lehigh Valley including areas such as Allentown, Bethlehem, Easton, Coopersburg, Northampton, and Pen Argyl. As business owners we understand the desire to find the best product for the best price. We focus on asking the right questions to be sure we are providing coverage for your life and your family. All plans are custom tailored to each individual family's needs.

Low Cost Bethlehem Plans You Can Live With
Often the biggest thing on many people's minds nowadays is the ever increasing cost of health insurance and care. In the recent past, a slew of changes have allowed states like Pennsylvania and others to apply for waivers from the ACA/Obamamcare insurance mandates. In addition to the waivers, the mandates are now not even considered legal by many due to recent court decisions. These waivers that are now available were available previously years back, but were done away with. The importance of these renewed waivers and court decisions is...they allow insurance providers to once again offer more affordable options to the insurance buyer.

Should You Go Without Health Insurance

There are certainly still many people who don't want to be forced to obtain health insurance. These individuals feel they don't need the coverage once required by the ACA or private health plans. They may feel that they are too expensive or just unnecessary due to their current state of health. Many people accurately predicted and warned, that even with the Affordable Care Act's subsidies, costs would not be low enough for Bethlehem and other area residents to find the plans affordable in their household budgets. Many who were authorized for subsidies even found the Obama era plans unaffordable. A lot of people just don't have the level of income needed to purchase health plans generally offered. However, with these new found options and flexibility, we can custom tailor a plan that will work for you!

The Randy Roberts Insurance Agency handles all the following kinds of insurance for Bethlehem 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 Bethlehem Insurance Plan

There are so many plans and different options to choose from so we help you cut through all the confusion. We make the calls, show you how to compare the plans and costs, and find you the insurance plan that is the best fit.

And It's Free
Our services are completely free to you in Bethlehem. 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.

Bethlehem Health Insurance Terms and How They Affect You

These days there are a myriad of Health Insurance terms that many are unfamilar 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 is the amount 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 Bethlehem, PA.

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

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