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

Health Insurance for Easton PA Residents

Health insurance is a big worry for people in Easton. The self-employed person or someone whose job doesn't provide insurance is on their own when shopping for a policy. Many Easton businesses have scaled back or even dropped health insurance they once provided to employees. Also, the laws keep changing to make things more confusing. People are afraid they can't find an affordable plan that has decent coverage.

HealthMarkets Randy Roberts Insurance Agency offers solutions for affordable health insurance for Easton residents in the Lehigh Valley. Randy Roberts looks for plans that fit you and your family.

HealthMarkets offers plans in the Lehigh Valley including areas such as Allentown, Bethlehem, Easton, Coopersburg, Northampton, and Pen Argyl. Randy Roberts understands that people want the best product for the best price. He asks the focused questions to be sure he provides the right coverage for your life and your family.

Choosing the Right Health Plan in Easton
There are dozens of plans and hundreds of options. Randy Roberts helps you cut through all the confusion. He makes the phone calls and compares the policies and prices to find an insurance plan that works.

It's Completely Free
Our services in Easton are totally free. That's right. It costs you nothing to use our expertise and help. We work with several national insurance companies to offer quality, affordable insurance.

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

Types of Insurance Plans We Offer

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

Insurance Glossary

Deductible
This is the amount that you have to pay yourself before the insurance takes over: the lower the deductible, the higher the monthly premium. In the event of a major accident or major illness, the deductible is reached very quickly.

Coinsurance
This is cost you share with the insurer. For example, insurance may cover 80% of the medical expenses and you would pay 20%. This out of pocket cost has maximum amount after which the insurance covers 100%. Also, insurance companies negotiate prices with medical providers for lower rates than you would otherwise pay. They may only pay the provider $50 for a procedure that would cost you $200.

Copayment
Copayment is what you pay for a doctor visit. The copayment is lower if you stay within a designated health network. Copayments may be higher for a specialist. Copayments are important but not usually a major expense.

Prescription Plan
Most insurance plans only offer prescription plans as added insurance at an additional cost. If you often take expensive prescription drugs, then this coverage may be a great benefit. Prescription drug insurance has rules and copay amounts depending whether you use generic or name brand drugs.

Maximum Out of Pocket Cost
We want to make sure that you are comfortable with what your plan coverage and the costs you may have to pay. We help you to understand what the actual cost could be when you use your insurance.

Monthly Payments
We strive to keep monthly premiums affordable without substantially changing 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 leaves you unable to work for a time.

Call HealthMarkets agent Randy Roberts today at (610) 419-0634 and let us find the right insurance in Easton PA for you.

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