Affordable Quality Health Insurance near Palmerton, PA
As you can probably see, Health Insurance and Healthcare appear to be changing by the minute, so for the latest information and counsel near Palmerton call HealthMarkets Randy Roberts Insurance Agency. For over 10 years they have been serving customers in Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Wind Gap and surrounding towns. Randy Roberts HealthMarkets Insurance knows the specifics and minutia of health insurance policies. We deal with the system every day and know what to look for and where the affordable coverage can be found.
Our free service will help you find the right health insurance for you and your family.
Big Changes - 5 Changes on Health Insurance in Palmerton
1. Technology is Driving Change
New technologies are changing the way doctors diagnose and treat both national and local Palmerton medical issues. Digital technology gives patients improved access to medical info and hopefully lower sustained costs. Advances in laser and laparoscopic surgery have largely reduced risks and quickened patient recovery times. Some technological innovations have even changed the doctor patient relationship. People can now consult doctors and in some cases connect with each other through Smart Phone apps thereby bypassing the need for an office visit. Many known health issues may be able to be handled right from your Palmerton home.
2. Urgent Care
Urgent Care, Immediate Care, and Express Care services are becoming commonplace in Palmerton and around the US. Most standard health issues can now be addressed by these providers and facilities. People often feel that they are conveniently located and affordable. The services at these locations are generally covered by a majority of insurance plans. Another benefit is they often relieve and lower the high demand on hospital emergency rooms, so they no longer have to treat non-urgent health problems saving everyone time and money.
3. Low Cost Plans
Due to recent progress, states such as Pennsylvania can apply for waivers from ACA (Affordable Care Act or Obamacare) insurance mandates. Doing this allows insurance companies in those respective states to offer more affordable insurance to people who do not want or need coverage mandated by the ACA. Even with the proposed subsidies, in reality many in Palmerton and around the country found the Exchange plans to be high cost and therefore unaffordable. These new lower cost plans are also eligible for ACA.
4. Gap Insurance
Unfortunately, individuals in Palmerton and elsewhere can find themselves between jobs and therefore without insurance. In addition another demographic, recent high school and college graduates, may find it difficult to find suitable work after completing their education. It often takes time for new Palmerton area graduates to get settled into steady jobs. Obviously these types of situations can cause health insurance to lapse. The ACA had eliminated the gap policies that filled these needs, but fortunately they have now been restored. Short-term health plans are now available that cover individuals for up to 1 year, and these can even be renewed for up to 3 years.
5. The Business Structure of Healthcare
Throughout the healthcare industry, we are seeing large structural shifts. Both National and Palmerton area providers and insurers are consolidating. By merging or partnering, they are reducing the costs of delivering healthcare to individuals. Integration between insurance companies and providers can also help reduce unneeded redundancy and more effectively manage patient care. A recent example of this was Aetna merging with CVS. Over time more and more companies are seeking opportunities to merge with desirable business partners to help the consumer and their bottom line.
No Cost - Choosing the Right Health Insurance Plan in Palmerton PA
The professional health advice at Randy Roberts Insurance Agency is always available at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable Palmerton health insurance inside or outside of the ACA exchanges. We stay current on the latest changes and offerings available for high quality, affordable insurance. This makes us able to better serve you, our Palmerton clients.
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 Palmerton Providers
- Highmark (ACA and non ACA)
- Capital Blue Cross (ACA and non ACA)
- Geisinger (ACA and non ACA)
- United Healthcare
- Faith Based plans
Palmerton Insurance Terms You Need to Know
This is the amount you have to pay before your health insurance starts to take up the cost. A policy with a higher deductible would have lower monthly premium
Once the insurance begins paying out funds, 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.
For each visit to your Palmerton physician 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 will most always be less. Consulting with a specialist usually costs more.
Many plans only offer prescription coverage in Palmerton as additional insurance for an additional cost. If you must take several medications then this coverage is something you should have. Insurers often only pay 100% or offer a small copayment if you use a generic drug. Most costly name-brand drugs may have much higher copayments.
Supplemental Insurance Plans
There are numerous kinds of supplemental insurance plans for specific Palmerton healthcare issues like dental care 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 people needing extended nursing care, long term care, or rehabilitation services. An Income Protection plan can replace your lost income if you are not able to work for an extended period of time.
The Right Health Insurance Plan in Palmerton, PA for You
Healthmarkets helps you understand how much your medical care will cost 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 to find and help you choose the best health insurance plan for your family in Palmerton. At the HealthMarkets Randy Roberts Insurance Agency we can help eliminate gaps in coverage to meet your needs and get you protected with the best possible Health Insurance options for you and your family in or near Palmerton, PA 18071.