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

Find Health Insurance in Nazareth PA

Health insurance is a leading topic of conversation in Nazareth. Where do I find insurance that covers my needs and that I can afford? Many Nazareth companies have reduced or even eliminated health insurance they used to provide for employees. Also, the changing laws and regulations only add to the confusion.

HealthMarkets Randy Roberts Insurance Agency is a leading provider of affordable, customizable health insurance plans centered around you in the Nazareth in the Lehigh Valley. Randy Roberts will find the best coverage you need for you and your family at the best possible price.

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. Plans are custom tailored to individual Nazareth family needs.

Choosing the Right 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.

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

Available Nazareth 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 Terminology

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 expense will usually have a cap or maximum amount after which the insurance covers 100% of your medical costs. Also, insurance companies negotiate prices with medical providers for lower rates than you would otherwise pay.

Copayment
A copayment 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.

Call Randy Roberts Insurance Agency today at (610) 419-0634 and let me find the right insurance for you in Nazareth, Pennsylvania.

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