Health Insurance in Wilson PA
If you think carrying health insurance is expensive in Wilson Pennsylvania, you might be surprised to know that going without insurance can be even costlier. Some estimates claim that up to half of all bankruptcies start with a medical crisis that blooms into a financial crisis. Recovery from an illness of accident is often much faster and easier than recovering from the financial consequences of being uninsured. Here are a few alarming facts:
- One in eight drivers is uninsured.
- Half of all fatal accidents are from falls in the home.
- Most car accidents happen within a mile of home.
- The average emergency room visit is $1233 if you have insurance.
- A typical 5-day hospital stay costs around $10,000.
Having health insurance in Wilson, PA is smart financial planning and an important way to protect you and your family from serious financial hardship. Randy Roberts Insurance knows that people in Whitehall 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.
HealthMarkets Randy Roberts Insurance Agency offers solutions for affordable health insurance in Wilson, PA 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, Wilson, Easton, Northampton, and surrounding 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.
The self-employed Wilson person or someone whose job doesn't provide insurance is on their own when shopping for a policy. Many Wilson 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 Health Plan in Wilson
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 available Wilson 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 in Wilson.
We work several national insurance companies to offer quality, affordable insurance.
Our Wilson Insurance Providers
- Highmark (ACA and non ACA)
- Capital Blue Cross (ACA and non ACA)
- Geisinger (ACA and non ACA)
- United Healthcare
- Faith Based plans
Types of Insurance Plans We Offer near Wilson
- 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 in Wilson, PA for you.