Randy Roberts | Health and Life Insurance Agent | Allentown, PA 18109
You Have Health Insurance Options in Phillipsburg, NJ!

Quality Affordable Health Insurance in Phillipsburg, NJ is Attainable.

How am I going to be able to afford my health insurance plan? What if something happens to my family and I can’t pay? These are real questions that Phillipsburg people are asking in your community and across the country. The health insurance marketplace doesn’t make it simple to find affordable health insurance. Randy Roberts and his team for over a decade now have provided answers about individual health insurance plans to people just like you. They will show you the best options and what health insurance companies are offering for your situation. You can set up a free consultation with them to shop for health insurance and be sure that you are making the right choices.

Affordable Cost Health Insurance Plans in Phillipsburg

Always Compare Health Plans Before you Buy
No matter if you’re looking for individual health insurance, a packaged medical insurance, or affordable health insurance for your family the team at Health Markets can guide you in the right direction. Everyone’s first concern is always health insurance cost. It’s becoming more and more common that companies are not providing free health insurance or even compensating the same amount on healthcare benefit plans as they once did. No matter if you are in between jobs or are just looking to see if there are better options available Randy Roberts can put together a list of health insurance companies that will provide you with the right solutions in Phillipsburg.

Where to Find the Best Urgent Care in Phillipsburg

We are now in the year 2020. Technology is pushing our world forward and our health care system is right on its heels. No longer do you have to sit in an emergency room for hours because you don’t have another option. The emergence of Urgent Care, Immediate care, and Express care facilities have given Phillipsburg area residents options to where they can receive emergence care efficiently and locally. Many of these facilities are able to do simple procedures that save you the time, money, and the hassle of going to a big hospital. They accept state medical insurance and non Medicare health insurance. 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 multi-tier effect on the community. 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.

The Randy Roberts Insurance Agency handles all the following types of insurance in Phillipsburg:
• 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 Phillipsburg 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 Phillipsburg

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 Phillipsburg 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 Phillipsburg 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 Phillipsburg 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, 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.

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. They provide you with a cost estimator to create a customized plan that works for you and your family. There main objective is to create affordable health insurance for families.

• 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 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.

***Bonus TIP***
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 Business of Healthcare

The Right insurance plan in Phillipsburg, NJ 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.

Make the Easy Choice for Great Health Care in Phillipsburg NJ

The team at Randy Roberts Insurance 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 Phillipsburg, NJ the options and coverages that they deserve.

Call us at HealthMarkets/Randy Roberts Insurance today at (610) 419-0634 and let us find the right insurance in Phillipsburg New Jersey for you.

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