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

Health Insurance in Macungie PA

Randy Roberts Insurance knows that people in Macungie are concerned about the cost of health insurance. He also knows that is is far easier to budget for the cost of health insurance coverage than for a health emergency. Recovery from an illness of accident is often much faster and easier than recovering from the financial consequences of being uninsured. In fact, medical bills are a leading cause of bankrupcy in America today.

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

HealthMarkets offers plans in the Lehigh Valley including areas such as Allentown, Bethlehem, Macungie, Coopersburg, Northampton, Emmaus, and surrouning towns. Randy Roberts understands that people want the best insurance for the best price. He asks the the right questions to be sure he provides that coverage for your health and your family.

Having health insurance is a critical component of successful financial planning and caring for your Macungie family. One in eight drivers on the road have no insurance whatsoever and many of the insured drivers carry only the state minimum policy requirements. This means you would likely shoulder all the costs of your medical treatment and care in the event of an accident even if the other driver is at fault.

The self-employed person or someone whose job doesn't provide insurance in Macungie is on their own when shopping for a policy. Many Macungie 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.

Choosing the Right Plan
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 a Macungie insurance plan that works.

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

Our Macungie Insurance 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 today at (610) 419-0634 and let us find the right insurance for you in Macungie.

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