Affordable Quality Health Insurance near Stockertown, PA
Not only are health insurance regulations changing at the state and federal level, but technology is accelerating changes in the development and delivery of health care in Stockertown and surrounding areas. Here's what you need to know.
Big & Important Changes for Health Insurance near Stockertown
First, you need to know where you can go in Stockertown for reliable information and good advice on finding affordable healthcare insurance. HealthMarkets Randy Roberts Insurance Agency has been doing just that for over 10 years, serving clients in Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath and surrounding towns. We do the research to find the right coverage for you and your family. We cut through all the clutter because we know the insurance industry. We let you compare plans side by side with costs and benefits.
1. Technology is Key
Rapid technological development is altering treatment methods and patient/doctor relationships in localities like Stockertown. Some of these improve patient access and convenience. Others lower overall costs. Smart Phone apps are now being used to connect with patients and doctors without a visit to the medical clinic or office. This new patient portal works for treating a wide range of healthcare issues.
2. Ready Access to Healthcare
Urgent Care, Immediate Care, and Express Care facilities are expanding at rapid pace. For health issues that don't require a visit to your regular Stockertown area healthcare provider or a hospital, these facilities are convenient and more affordable. Services are covered by most insurance plans.
3. Lower Cost Plans
Pennsylvania and other states can now be granted waivers from ACA insurance mandates. This allows insurance providers in those states to offer lower cost insurance policies for those living in Stockertown who don't need or want the coverage required under the ACA. Many people found the Exchange plans unaffordable. ACA subsidies are still available for these affordable plans.
4. Gap Insurance
Due to a job change or upon completing one's education, health insurance may lapse. The ACA had banned gap policies to fill this need but now they are back. Short-term health plans cover Stockertown individuals for up to 12 months and can be renewed for up to three years.
5. The Business of Healthcare
Big changes are happening within the healthcare industry. Major Stockertown providers and insurers are consolidating. They are integrating and partnering to reduce costs and efficiently manage patient care. In one example, Aetna merged with CVS. We are sure to see more merging as companies identify suitable business partners.
Choosing the Right Insurance Plan
Our expert Stockertown advice at Randy Roberts Insurance Agency is offered at no cost to you. Using HealthMarkets costs you nothing. We work with nationally recognized insurance companies to offer quality, affordable insurance inside or outside of the ACA exchanges.
The Randy Roberts Insurance Agency handles all the following kinds of Stockertown 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 Stockertown 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 You Need to Know
This is the amount you have to pay before the insurance kicks in. Stockertown plans with lower deductibles usually have a higher monthly premium.
This is the percentage of costs you share with the insurance company after the deductible is met. For instance, insurance pays 80% of the costs and you would pay 20%. When you reach a maximum "out of pocket" limit, the insurance covers 100% of medical costs.
This is a fee you pay for a visit to your Stockertown doctor or healthcare provider. It is usually less if you stay within a certain geographic area or provider network. Seeing a specialist has a higher copayment.
Prescription coverage is frequently offered as additional insurance in Stockertown and not included in the basic plan. If you are on a lot of medications then this coverage may be important to you. Prescription drug insurance usually covers generic and name brand drugs differently, usually requiring higher copayments for name brand drugs.
Maximum Out of Pocket Cost
Healthmarkets helps you understand how much your medical care will cost if you use your insurance to its upper limits.
We can often change the monthly payment amount substantially by altering other parts of the Health Insurance equation.
Supplemental plans provide coverage for things not included in the basic plan, like dental and vision plans. Options can be added for extended nursing care or rehabilitation. Income Protection is another optional type of coverage in the event you cannot work your job in Stockertown for an extended period of time.
The Right Insurance Plan in Stockertown, PA for You
We help you understand how all of these things work together so you can choose the best Stockertown health insurance plan. At the HealthMarkets Randy Roberts Insurance Agency 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.