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Only the Straight Health Insurance Facts

Your One Stop Shop for Health Insurance in King of Prussia, PA

Creating a budget is a function that every family in King of Prussia and across the country has to do no matter of their economic status. Unfortunately, the question of can I afford my health insurance is a very real conversation that some families are having. Some see this as a way to cut cost but in reality it’s not and can lead to an even more expensive bill if trouble should strike. Studies have shown that half of bankruptcies start with some type of medical emergency that cause people to fall behind on payments which can last for years. The inability to work only adds pressure to your family dynamic as the bills start to grow. The human body is made to recover and correct itself to proper working order; our financial situations do not have the same capabilities. Don’t let a medical emergency become a financial emergency!

• 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 will cost $1,233 if you have insurance
• A typical 5 day hospital stay costs around $10,000

Affordable Cost Health Insurance Plans in King of Prussia Reduce Risk

The risks involved with gambling on not having individual health Insurance are too high. Affordable health insurance plans not only protect you they protect your loved ones and families financial future. Randy Roberts and his team at HealthMarkets know that the people in King of Prussia are concerned about the rising cost of individual health insurance plans and that want you to know that they are here to help. They want to give you the power to create your own budget that allows you and your family to live with the peace of mind that a healthcare benefit plan can provide.

Leading the King of Prussia Healthcare Charge with More Options and New Technology

The Team at HealthMarkets has the ability to offer solutions to the King of Prussia community and will go above and beyond to create a custom health benefit plan that is right for you. Together you will go through the healthcare market place and see the different options provided to you under the Affordable Care Act. They want you to feel free to ask any questions that you may have involving coverages, price points, or available doctors. Using the Blue cross Blue Shield cost estimator they can compare health plans from the long list of health insurance companies and see which health insurance cost are the best fit for you. No matter what you are searching for be it the best short term health insurance, affordable health insurance for a family, or non Medicare health insurance HealthMarkets is your one stop shop for all the answers your looking for.

Where to Find the Best Health Care in King of Prussia

The citizens of King of Prussia now have a reliable shoulder to lean on with the expertise of Randy Roberts and his team. Everyone wants their plan to be as close to free health insurance as possible and HealthMarkets is here to help provide you with the best options available. They understand that no one wants to sort through endless pages of health insurance companies details, while not having a true understanding of the information. One of the talented individual health insurance agents will guide you along as you shop for health insurance and try and make the process as painless as possible.

100% FREE Health Insurance Consultation
HealthMarkets is proud to provide the King of Prussia community with a 100% free consultation. We want to do our part in helping those who are lost and confused find their way to affordable healthcare. Working with several national insurance companies allows us to offer the best deals to those who need it most.

Here are some of the King of Prussian area Providers and Plans we can offer you:

• Cigna Healthcare providers
• United Healthcare Oxford
• United Healthcare Medicare Medicaid
• United Healthcare Small Business
• Aetna Health Insurance Plans
• State Farm Health insurance cost
• State Farm Cancer Insurance
• United Healthcare Essential Plan
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• Aetna
• United Healthcare
• Faith Based plans

• 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

Health Insurance Definitions You Need to Be Familiar with in King of Prussia, PA

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don't understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum "out of pocket" limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your King of Prussia physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in King of Prussia and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific King of Prussia healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

What is Obamacare?
An informal term for a federal law intended to improve access to health insurance for US citizens. The official name of the law is the Affordable Care Act or in full the Patient Protection and Affordable Care Act.

Affordable Care Act Summary
The comprehensive health care reform law enacted in March 2010. The law provides consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level.

Does State Farm Sell Dental Insurance?
Through a marketing alliance with Blue Cross Blue Shield, those agents may be able to indirectly help you with individual dental insurance coverage. However, we strongly believe having your own individual health insurance agent can allow you access to the most choices and most affordable options.

Types of Blue Cross Blue Shield Insurance
Blue Cross Blue Shield is committed to giving you the best experience when you shop for health insurance. At the Randy Roberts agency, we provide you with a cost estimator to create the best customized plan that works for you and your family whether that is Blue Cross or something else. Our main objective is always to create affordable health insurance for families in King of Prussia.

• Individual
• Group
• Family

What type of Health Insurance is Medicare?
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

What is Not Covered by Medicare?
Some of the items and services that Medicare doesn't cover in King of Prussia and elsewhere include: Long-term care (also called Custodial care Glossary ) Most dental care. Eye exams related to prescribing glasses.

Do I need Health Insurance if I have Medicare?
If you have Medicare Part A (Hospital Insurance) in King of Prussia, you're considered covered under the health care law and don't need a Marketplace plan.

***Bonus TIP***
If you have only Medicare Part B, you aren't considered to have qualifying health coverage. This means you would have to pay the fee for the 2018 plan year and earlier.

Call us at HealthMarkets/Randy Roberts Insurance today at (267) 999-1010 and let us find the right insurance in King of Prussia, PA 19406|19484 for you.

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