Affordable Health Insurance near Portland, PA
Technological advances and consolidation within the healthcare industry are intended to increase access to healthcare and reduce overall costs. Also, at the state and federal levels new proposed regulations are leading to a wider range of choices in health insurance.
Big Changes - 5 Things You Need to Know About Health Insurance in Portland
The last few years have seen dramatic changes in healthcare systems in the United States. It appears that new developments will continue at a dizzying pace for the foreseeable future. Folks in Portland who need solid and reliable advice on finding affordable healthcare insurance choose to call HealthMarkets. Randy Roberts Insurance Agency serves Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath and surrounding towns. Our single goal is to find the right coverage for you and your family.
The Right Insurance Plan in Portland, PA for You
All these changes in healthcare insurance regulations have made finding the best insurance a frustrating task. We help you cut through all the confusion because we know what is available in Portland, Pennsylvania. Let the Randy Roberts Insurance Agency compare the plans and costs to find you the insurance plan that is the best fit.
1. Technology is Key
Technology has accelerated changes in both treatment and how you receive healthcare in Portland. New technologies simplify patient access and provide efficiencies in delivery that can reduce costs. One recent care method is to use Smart Phone apps to connect directly with patients in the comfort of their own Portland homes. This new patient portal works for treating a wide range of healthcare issues.
2. Convenient Access to Healthcare
Urgent Care, Immediate Care, and Express Care facilities are cropping up everywhere in malls and shopping centers around the country. These facilities give patients immediate access to healthcare providers at more affordable prices. Many health problems do not require a visit to your regular doctor in/near Portland or hospital treatment. Consequently, these centers lessen the strain on hospital emergency rooms so they can use their resources for more serious health problems or injuries.
3. New Lower Cost Plans
Due to changes at the federal level, individual states may now apply for waivers from ACA insurance mandates. Therefore, insurance providers in those states can offer more affordable insurance policies that were prohibited under the ACA guidelines. This will help those who found the Exchange plans unaffordable even with subsidies. Incidentally, ACA subsidies are still available for this type of insurance.
4. Gap Insurance
Many people have their health insurance lapse due to a job change or upon completion their education. These interim temporary plans were initially banned under the ACA rules. Short-term health plans for Portland residents up to 12 months are back. They can be renewed for up to three years.
5. The Big Picture of Healthcare
On the business side, providers and insurers have been consolidating. They are combining their resources and streamlining their data management to reduce costs and duplication. Recently, Aetna merged with CVS. Other providers may soon follow this example and seek compatible business partners to provide plans in Portland and elsewhere.
Choosing the Right Insurance Plan in Portland
At Randy Roberts Insurance Agency our services are completely free to you. That's right, our help and expertise costs you nothing. We work with nationally recognized insurance companies to offer quality, affordable Portland area insurance inside or outside of the ACA exchanges.
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 Portland Providers
- Highmark (ACA and non ACA)
- Capital Blue Cross (ACA and non ACA)
- Geisinger (ACA and non ACA)
- United Healthcare
- Faith Based plans
Insurance Terms and How They Affect You
The deductible is the amount that you have to pay before the insurance takes over: the lower the deductible the higher the monthly premium and the higher the deductible the lower the premium. If you have major accident, major illness, hospitalization, the deductible is usually reached quickly.
This is the percentage of medical costs you pay after the deductible is met. For example, insurance may cover 80% of the costs and you would have to pay 20%. The out of pocket usually have a cap or maximum amount after which the insurance covers 100% of your medical costs.
A copayment is the amount you pay each time you visit your doctor or provider. Often the copayment is lower if you stay within a certain network or geographic area which includes Portland, PA. Copayments may be higher if you need to see a specialist.
Many Portland insurance plans have eliminated prescription coverage or only offer it as additional insurance at an additional cost. If you regularly use prescription drugs, especially less common ones, then this coverage may be important to you. Prescription drug insurance differentiates between generic and name brand drugs, often with limits and higher copays for name brands.
Maximum Out of Pocket Cost
We help you to understand what the total cost would be for you if you were to use insurance to its limits. We want to make sure that you know what your plan covers and how much of the costs you may have to bear.
We work to make monthly premiums affordable and can often change the monthly payment amount substantially by altering other parts of the Health Insurance equation.
Supplemental plans can be used to fill in gaps in Portland insurance coverage. For example, Dental and Vision plans are supplemental. Critical care and Hospitalization are other options to cover costs of a critical illness or a hospital visit that are not covered by other insurance. Income Protection can also be written into a plan in the event an illness left you unable to work for an extended period of time.
The Right Insurance Plan in Portland, PA for You
When you understand how all of these things work together you can make the best decisions and choose the best health insurance strategy for your family in Portland. At the HealthMarkets Randy Roberts Insurance Agency, we ask questions to best understand how we can help eliminate gaps in coverage you need, and get you protected with the best possible Health Insurance option for you and your family.
Call HealthMarkets today at (610) 554-7332 and let us find the right insurance for you.