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

2000 Lancaster

You Need to Know the Facts!

Quality Affordable Health Insurance in Lancaster, PA is Attainable.

Throughout the Lehigh Valley, from Lancaster TO Northampton to Coopersburg, and down towards Philadelphia, there is an All Star team that has the answers that you are looking for regarding affordable health insurance. For over a decade Randy Roberts and his staff at HealthMarkets have been servicing the needs of customers tailoring individual health insurance plans for them and their families. It's no secret that times are changing and with the influx of technology into the healthcare space you need a partner to help guide you through the ever changing landscape. They are fully equipped to help you with any questions or concerns you may have about the health insurance marketplace and show you the best health insurance companies that will suit your needs. The team will meet with you for a free consultation and will walk you through the process and help you shop for health insurance to make sure all your basis are covered.

What's Coming Next in the World of Health Insurance? How is it Affecting Lancaster and the rest of the country?

Affordable Cost Health Insurance Plans in Lancaster

The cost of health care coverage in Lancaster IN recent years has been a hot topic across the country and in our own back yard. In recent years changes allowing states, including Pennsylvania and others, to apply for waivers from the Affordable Care Act (ACA) have become popular allowing access to affordable health insurance for families. Upon the roll out of the ACA these waivers were accessible but retracted after its issue to the public. With their redaction the List of Health Insurance Companies shrunk and being able to find and compare health plans that were cost effective became more difficult. There are individuals that do not have interest in paying the high rates currently set forward by the Obamacare mandate. These people are the forgotten group who the Affordable Care Act does not provide relief for. Many do not have the level of income to absorb these health insurance costs. Now with the help of the waivers there are new low cost plans that can be fitted to any situation.

Leading the Lancaster Healthcare Charge with New Technology

The landscape of healthcare is ever changing with the implementation of new and developing technologies. Doctors have the ability to diagnose and treat the problems that are plaguing the Lancaster area with new and exciting techniques that allow for a smoother process and a shorter down time. With the emergence of electronic medical records (EMR's) becoming the norm it is granting a better level of care to all at a lower cost. New technologies such as robotic assisted arms, lasers, and laparoscopic surgery have dramatically lowered the risk involved in many procedures. The introduction of smart phones has also altered the doctor patient relationship. Having the ability to ask questions and receive timely medical advice all at the convenience of not leaving your home is truly a game changing break through.

Where to Find the Best Urgent Care in Lancaster

Gone are the days of sitting in an emergency room for hours simply because you didn't have anywhere else to go. The emergence of Urgent Care, Immediate care, and Express care facilities have given Lancaster area residents options to where they can receive emergence care efficiently and locally. Many simple procedures are now readily available and different locations. Previously similar treatments were only available at a hospital. Residents view these Urgent care facilities as affordable, convenient, and in some cases lifesaving. On top of all these great features these new facilities are covered by a majority of the healthcare benefit plans offered. This has a two prong affect. It lessens the pressure on emergency rooms to take on such a heavy burden as well as giving an outlet to less threatening health concerns.

Gap Insurance
Life is unpredictable and takes turns when you least expect it. This isn't exclusively happening in the Lancaster area. When people find themselves between jobs without free health insurance it's hard to know where to turn to find the best short term health insurance for the price they want. Young adults graduating from college are searching for to start their career but luckily they are able to stay on their parents plan until they are 26 years old. Both of these situations are times where individual health insurance can fall by the way side. Unfortunately the ACA did away with Gap Insurance which helped people through theses short periods of instability. Although, there is good news! These policies were reinstated and are now available to the public. Short term health insurance for self-employed and unemployed people are here to help families get through the tough times. They are available for up to one year and can be renewed to up to three years.

The Business of Healthcare

Shifts in the operations of health insurance usa are leading to innovation and more efficient healthcare benefit plans. Lancaster and other regional healthcare providers and insurance companies are now consolidating in order to aid in cost effective matters of distributing packaged medical insurance; this can lead to accurate cost estimator(s). The efforts of consolidation canhelp to reduce unnecessary duplication of a health benefit plan, and improve the effective management of patient health care. One recent example of a big merger was Aetna merging with CVS. Increasingly, companies are seeking to merge services with suitable business partners in order to elicit more effective client care at lower costs.

Make the Easy Choice for Great Health Care in Lancaster PA

Randy Roberts and his team will help you make the most informed decision in regards to any short term health insurance quotes that may be appropriate for your current situation. These services are offered at no cost to you and are always available. Working with nationally recognized insurance providers allows Randy and his team to provide you with the most comprehensive coverages available. They are able to gain access to plans inside and outside of the ACA exchange and still stay up to date on all offerings. Bringing the best in affordable health care to the people of Lancaster and the surrounding areas is what Randy's Team aims to accomplish every day.

The Randy Roberts Insurance Agency handles all the followingtypes of insurance in Lancaster:
• 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

Available Lancaster Providers
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• Aetna
• United Healthcare
• Faith Based plans

Health Insurance Definitions You Need to Be Familiar with in Lancaster

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 Lancaster 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 Lancaster 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 Lancaster 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.

Question - Does state farm sell dental insurance?
Through a marketing alliance with Blue Cross Blue Shield, your State Farm® agent may be able to help you with individual medical insurance coverage. Having your own individual health insurance agent can allow you access to the most affordable options.

Questions on Types of blue cross blue shield insurance
Blue Cross Blue Shield is committed to giving you the best experience while you shop for health insurance. Be aware that we provide you with more accurate quotes than their cost estimator to create a customized plan that works for you and your family. Our main objective is to create affordable health insurance for families in Lancaster.

• 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 include: Long-term care (also called Custodial care Glossary). Most dental care. Eye exams related to prescribing glasses.

Do I need health insurance in Lancaster if I have Medicare?
If you have Medicare Part A (Hospital Insurance), you're considered covered under the health care law and don't need a Marketplace plan.
***Be Aware***
If you have only Medicare Part B, you aren't considered to have qualifying health coverage. This means you may have to pay the fee for the 2018 plan year and earlier.

The Right insurance plan in Lancaster, PA for you!
Randy Roberts and his team will help break down the details for you to truly answer the question. What is my health insurance going to cost? Whether you will it will be in frequent use or set to the lowest limits. Using a cost estimator the team will be able to determine your monthly payment and see by changing different parts of your plan how substantial your savings can be. The team at HealthMarkets will let you rest easy knowing that you and your family are covered.

The team at HealthMarkets is excited to bring you in one of our individual health insurance agents help you determine the best plan for you. The main goal at the Randy Roberts Insurance Agency is to eliminate the gaps in your coverage while providing the best affordable options available. Protecting you and your family is the most important thing is this world our job is to help you do that on a budget. They are proud to bring the people of Lancaster, Pennsylvania the options and coverages that they deserve.

Call us at HealthMarkets/Randy Roberts Insurance today at (267) 221-1346 and let us find the right insurance in Lancaster for you.

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