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

Health Insurance in Schnecksville PA

You and your family have a nice life in Schnecksville, so like most people you never actually plan to develop an illness, be involved in an automobile accident, or end up in the hospital. But you can plan to protect yourself against the financial downside of those uninvited events.

Insurance coverage in Schnecksville in the Valley helps maintain your family's physical and financial health. It is an vital key to planning for your family's well being.

Relieve Your Schnecksville Health Insurance Worries

Randy Roberts Insurance hears every day that their neighbors in Schnecksville fret about the rising costs of health policies. He also knows that it is easier to budget for health coverage than for unexpected medical emergencies.

Studies show that people without coverage delay seeing a doctor longer and put themselves at increased risk of developing critical conditions that cost more to treat.

For families and individuals in Schnecksville, dropping or forgoing health insurance can be a very costly decision. Fair or not, an uninsured patient pays more for medical care than an insured person. Studies reveal that 25% to 50% of bankruptcies start with a medical emergency that blossoms into a financial crisis. Here are a few facts:

  • One in eight drivers is uninsured.
  • Half of all fatal accidents are from falls in the home.
  • Most automobile accidents occur within a mile of home.
  • The average emergency room visit costs $1233 if you have insurance.
  • A typical 5-day hospital stay costs $10,000.

In Schnecksville, Pennsylvania, as more businesses lower or eliminate employee health insurance, copays and deductables go up each year. Also, laws and rules are simply impossible to understand. People fear they won't find a plan they can afford.

HealthMarkets Randy Roberts Insurance Agency shops to find affordable health insurance in the Schnecksville and the Lehigh Valley. Randy Roberts chooses just the right plans from top providers that fit your family's needs. He listens to you to help him recommend the best plan.

We all need a doctor at some point but families with small children in Schnecksville can rapidly pile up medical bills. Even a healthy child may have to see the pediatrician a dozen of times in the first year. Families with school children or those with office jobs come down more frequently with colds, flu, and other viruses.

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 in Schnecksville to find an insurance plan that works.

Our services in Schnecksville 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.

So call Randy at HealthMarkets today at (610) 419-0634 and let us find the right insurance for you.

Our Schnecksville Health 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 Randy Roberts at HealthMarkets today at (610) 419-0634 and let us find the right insurance in Schnecksville Pennsylvania for you.

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