Get Quality Affordable Health Insurance in Lansdale, PA
Throughout the Montgomery county region, from Lansdale to Norristown to Royersford, and even down towards Philadelphia, there's an expert team of Health Insurance agents that has the answers to the questions and concerns you have about affordable health insurance. For the last 10+ years now, Randy Roberts and his team at HealthMarkets Keystone Insurance Group have been diligently servicing the vast needs of clients creating highly customized individual health insurance plans for Lansdale residents and their families.
It's a well known fact that times are rapidly changing, and with the vast array of new players and technologies in the healthcare field, most people really need an experienced guide to help direct them successfully through the ever changing landscape. They Keystone Group team is completely equipped to answer any questions or address concerns you may have about the health insurance marketplace and get you the best health insurance companies and plan to suit your needs without wasted time and money. A member of our team will meet with you for a free consultation and will walk you through the process. We shop for health insurance for your based on your needs and input to make sure all your priorities and necessities are covered in your health and life insurance plans.
What's Happening in the World of Health Insurance? How is it Affecting Lansdale and the country at large?
Affordability - the Cost Health Insurance Plans in Lansdale
The cost of health care and insurance in Lansdale and abroad has been a topic of great discussion across the country and in our own Pennsylvania back yard in recent times. And that is not likely to change anytime soon. In recent times, there have been changes allowing states, Pennsylvania and others, to apply for healthcare waivers from the Affordable Care Act or ACA. These waivers have become popular allowing access to more affordable health insurance for families in some cases.
At the inception of the ACA, these waivers were accessible but were then retracted after being first issued to the public. After their redaction the list of health insurance companies shrunk substantially and it became difficult to find and compare health plans that were cost effective in many cases and even whole states. There are individuals ou there who do not have any inclination to pay the often high rates put forward by the Obamacare insurance mandate. These people became the largely forgotten group that the Affordable Care Act did not really provide any relief for. Many of these folks just did not have the level of income to absorb the fees of health insurance costs. However with the help of waivers and the long term know how of our team of agents, there are low cost plans available that can be applied to create affordable health insurance plans for individuals and families.
Forging the Lansdale Healthcare Charge with Change
The healthcare landscape has been and will probably continue to be ever-changing thanks in no small part to the creation of new and novel technologies. These days Doctors have the ability to diagnose and treat health problems plaguing Lansdale area residents with new and improved techniques. These often allow for a smoother workflow and shorter down times. With the large growth of electronic medical records (EMR's), it is becoming the norm to have a better level of care to all, sometimes even lowering costs. Bold new technologies such as robotic assisted surgery arms, lasers, and laparoscopic surgery have dramatically lowered the risk involved in many procedures. The huge adoption of smart phones has also tremendously altered the doctor-patient relationship. People now have the ability to easily ask questions and receive quick medical advice conveniently without having to ever leave the comfort of their home in many cases. This is a game changing breakthrough perhaps never even thought possible by many.
Finding the Best Urgent Care in Lansdale
Believe it or not, gone are the days of waiting in an ER for hours because you didn't have anywhere else to go. The proliferation of Urgent Care, Immediate care, and Express Care facilities in the health insurance field have given Lansdale and other PA area residents options they never had before to receive emergency care quickly and with local convenience. Many simple procedures are now readily available at different urgent, immediate, and express care locations. In past times, these types of treatments were only available at hospitals which had high costs and long wait times. Residents have now come to view these Urgent Care facilities as affordable, convenient, and in many cases even lifesaving. To add to all of these great features, the new faster care facilities are included in a majority of healthcare benefit plans offered by health insurance companies. This has a two-fold affect. First, it lessens the pressure on emergency rooms. They don't have to handle such heavy burdens. Second it gives a more accessible outlet to less dire health concerns.
Gap Insurance for Lansdale Residents
Life is many times truly unpredictable and can takes sharp turns when people least expect change. This doesn't only happen in the Lansdale, Pennsylvania area. For instance, when people find themselves in between jobs not having any type of free health insurance to sustain them in the transitional time, it can be very hard to know where to turn to find the best short term health insurance, expecially for the low price they may need while out of work. Another demographic, young people just graduating from college, are generally looking to start out their careers. Luckily they are able to stay on their parents plan until they are 26 years old, but there parents need to have a plan in place to provide that. Another area loss of a job affects. These types of situations are incidents where individual health insurance as well as a family's insurance coverage can fall by the wayside. Sadly, the ACA did away with Gap Insurance which helped people through these kinds of short periods of instability. Be aware however. 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 available to help families get through the tough times. These policies are available for up to a year and can generally be renewed for as long as three years.
The Business of Lansdale Healthcare
Shifts in the operations of companies selling health insurance USA wide are leading to innovation and more efficient healthcare benefit plans. Lansdale and other regional healthcare providers as well as insurance companies are now consolidating in order to reduce their costs in areas such as distribution of packaged medical insurance. This can lead to accurate cost estimator(s). These attempts at consolidation can help to reduce unnecessary duplication of a health benefit plan within a company or area, and can improve the management of patient's health care. One big example of a merger was the combing of Aetna and CVS. In the future, companies may be seeking to merge services with suitable business partners more in the future in order to elicit more effective patient care at lower costs.
We Help You Make the Best Decision for Great Health Care in Lansdale, PA
The Keystone Insurance Group will help you make the most informed decisions regarding your short term health insurance quotes that may be needed for your immediate circumstance. We will also advise on your medium and long term needs. The services we offer come at No Cost to you and are always available with a simple appointment. We work with nationally recognized health insurance provider companies, which enables our team to provide you with the most comprehensive health coverage available. We're able to access plans both inside and outside of the ACA exchanges, and we always stay up to date on all offerings. Bringing the best in affordable, quality health care to Lansdale residents as well as surrounding areas is our goal each and every day.
The Keystone Insurance Group handles all the followingtypes of insurance in Lansdale:
• Individual Health Insurance
• 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 Plans
Available Lansdale Providers
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• United Healthcare
• Faith Based plans
Health Insurance Definitions Lansdale Residents Need to Be Familiar With
This is the amount an insured Lansdale person 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.
Once the insurance begins to pay, many in Lansdale 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.
For each visit to your Lansdale doctor 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.
Many plans only offer prescription coverage in Lansdale or other areas as additional insurance thereby adding an additional premium. If the insured person has to 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.
There are several kinds of supplemental plans for specific Lansdale healthcare issues like dental and vision needs. 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 the federal act passed to provide at least some type access to health insurance for United States 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, State Farm may be able to help you with individual medical insurance coverage. Choosing us as your individual health insurance agent enables us to access the most affordable options for you.
Questions on Types of blue cross blue shield insurance
Blue Cross Blue Shield states they are committed to giving you the best experience while you shop for health insurance. Be aware that we can provide you with more accurate quotes than their cost estimator to create a customized plan that will work best for you and your family. Our main objective is to create affordable health insurance for families one at at time in Lansdale.
What type of health insurance is Medicare?
Medicare is the federal government program that provides Lansdale residents with 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). Most dental care. Eye exams related to prescribing glasses.
Do I need health insurance in Lansdale 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.
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 years and earlier.
The Right Insurance plan in Lansdale, 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 it will be in frequent use or set to the lowest limits. Using a real time quoting engine that is much more accurate than a cost estimator, our team will be able to determine your monthly payment and see how substantial your savings can be. We do this by changing different parts of your plan according to your input and our experience to test different coverage types/plans. The team at HealthMarkets Keystone Group will enable you to rest easy knowing that you and your family are covered.
The team at HealthMarkets Keystone Group is excited to introduce you to one of our caring individual health insurance agents to help you accurately assess the best plan available in your case. The main goal at our insurance agency is to eliminate the gaps in your coverage while cutting costs to make health care affordable. Protecting you and your family is the driving force for us. It's our job to help you protect your loved ones on a budget. We're proud to bring the people of Lansdale, Pennsylvania the needed insurance options and coverages that they deserve.
Call us at HealthMarkets/Randy Roberts Insurance today at (267) 999-1010 and let us find the right insurance in Lansdale, PA 19446 for you.