Lori Heimbach | Health and Life Insurance Agent | 4821 Timberline Rd Walnutport, PA 18088

Know the Facts - Get Affordable Quality Health Insurance in the Lehigh Valley, PA

Health insurance and healthcare are changing rapidly, so for the latest information and advice near New Tripoli call HealthMarkets Randy Roberts Insurance Agency. For over 10 years they have been serving customers in Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Danielsville and surrounding towns. HealthMarkets knows the ins and outs of health insurance policies and what to look for in affordable coverage. Our free service will help you find the right health insurance for you and your family.

Big Changes Announced in Health Insurance Affecting New Tripoli & US

Low Cost Plans
Perhaps most on people's minds is the cost of health insurance. In recent times, changes now allow states like Pennsylvania to apply for waivers from the ACA insurance mandates. By doing this, it allows insurance companies to offer more affordable insurance. There are people who don't want insurance or feel they need the coverage required by the ACA. For many, even the ACA subsidies do not lower costs enough for New Tripoli residents who found the Obama era plans unaffordable. These new low cost plans are also eligible for ACA.

New Technology Leading the Changes
New technologies are leading and shaping the changes we see everyday in how doctors diagnose and treat New Tripoli medical problems. Digital technology gives the promise of better access of medical information and lower overall costs to patients. Advances such as laser and laparoscopic surgery have greatly reduced hte risks and have sped up patient recovery times. New technologically based innovations are even changing the age old patient/doctor relationship. Patients can now connect with doctors in some areas through a Smart Phone app without an office visit. Many routine health issues can be handled right from the patient's New Tripoli home.

Urgent & Immediate Care
No emergency room required in many cases...Urgent Care, Immediate Care, and Express Care services are trending and now commonplace in New Tripoli, Lehigh Valley. Many routine health concerns that once could only be addressed elsewhere can now be by these facilities. They are considered convenient, affordable, and sometimes even life saving. Fortunately their services are also covered by most insurance plans. They serve to help relieve the longtime pressure on hospital emergency rooms from having to treat non-urgent health problems.

Gap Insurance
Sometimes good hard working people in New Tripoli and nearby find themselves through no fault of their own between jobs and without insurance. We all know that it may take quite some time for new graduates in New Tripoli to find suitable work after completing their schooling. Young adults have until the age of 26 to stay on their parents policy these days. Both of these potentially difficult situations bring about situations where health insurance may easily lapse. Much to the chagrin of many, the Affordable Care Act removed the gap policies that had once helped these individual. The good news is now these policies are back. Shorter-term health coverage plans help individuals for up to a year and can be renewed for up to three years.

The Business of Healthcare
Within the oft described messy healthcare industry, we're seeing major shifts some would have never even conceived of. New Tripoli area Providers and insurers are consolidating. The reason they say they're partnering is to reduce the cost of delivering healthcare to customers. The mergers between insurance companies and providers in theory helps to reduce duplication and hopefully effectively manage patient care. One recent example, Aetna merged with CVS. More and more, companies are seeking to merge services with suitable business partners in an increasingly complex business environment.

Easily Choose Better Health Insurance in New Tripoli PA

The detailed, professional advice from Randy Roberts Insurance Agency is offered at no cost to you. We work with nationally recognized insurance provider companies to offer both quality and affordability to New Tripoli residents, whether the insurance is inside or outside of the ACA exchanges. We are and stay totally current on the latest changes and offerings. High quality, affordable insurance is our business, so we can better serve our New Tripoli and other clients each and every day.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • 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 New Tripoli Providers

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

Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before the insurance starts to kick in and take up your cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear 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 New Tripoli doctor or healthcare provider you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network the fee is less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in New Tripoli as additional insurance for an additional premium. If you must take several medications then this coverage is something you should have. Insurers often pay 100% or only have a small copayment if you use a generic drug. Most costly name-brand drugs may have higher copayments.

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

The Right Insurance Plan in New Tripoli, PA for You

Randy Roberts and Healthmarkets will help you to truly understand how much your medical care will cost. Whether you rarely use it, or if you use your insurance to its upper limits. We can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We work with you to choose the best health insurance plan in New Tripoli. At the HealthMarkets Randy Roberts Insurance Agency, we eliminate gaps in coverage. You get what you need, and we get you protected with the best possible Health Insurance options for you and your family in or near New Tripoli.

Call Lori at HealthMarkets/Randy Roberts Insurance today at (610) 905-2800 and let us find the right insurance for you.

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