Health Insurance in Slatington PA
Studies show that people without health insurance in Slatington and other areas tend to delay going to see a doctor longer and therefore at greater risk from developing more serious conditions that require more expensive care.
Deciding to drop or forgo health insurance can be extremely costly. Fair or not, an uninsured Slatington patient pays more for medical care than an insured person. Numbers reveal that anywhere from 25% to 50% of bankruptcies result start from a medical emergency that morphs into a financial one. 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.
No one wants to fall ill or get injured. But you can plan to protect yourself from the financial downside of unexpected events.
In Slatington, Pennsylvania, more and more businesses are reducing or dropping employee health insurance. Copays and deductables go up each year. Also, laws and rules change so often they are simply impossible to follow. People are afraid they won't find an affordable plan.
HealthMarkets Randy Roberts Insurance Agency shops for you to find affordable options for health insurance in Slatington and the Lehigh Valley. Randy Roberts selects just the right plans that fit your budget and your family needs. He asks the kind of questions that help him recommend the best plan.
Insurance coverage helps maintain your family's physical and financial health. It is an necessary key to financial planning and to guarding your family's future. Randy Roberts Insurance hears every day that their neighbors in Slatington are concerned about the rising costs of health policies. He also knows that it is easier to budget for health coverage than for unexpected medical emergencies.
We all need a doctor sometimes, but younger families with small children can see bills pile up quickly from medical expenses. The average healthy child may have to see his/her pediatrician a dozen of times in his/her first year. Slatington families with school children or those with office jobs come down with colds, flu, and other viruses more often than others.
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.
Our services in Slatington 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.
Call HealthMarkets today at (610) 419-0634 and let us find the right Slatington insurance for you.
- Highmark (ACA and non ACA)
- Capital Blue Cross (ACA and non ACA)
- Geisinger (ACA and non ACA)
- United Healthcare
- Faith Based plans
Types of Slatington 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
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.
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 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.
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.
We strive to keep monthly premiums affordable without substantially changing other parts of the Health Insurance equation.
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 Slatington.