Affordable Health Insurance near Wind Gap, PA
Health insurance and healthcare are changing rapidly, so for the latest information and advice near Wind Gap 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. 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 - 5 Big Changes for Health Insurance in Wind Gap
1. Technology is Driving Change
New technologies are changing the way doctors diagnose and treat Wind Gap medical problems. Digital technology gives patients better access to their medical information and lower overall costs. Advances in laser and laparoscopic surgery have reduced risk and sped up recovery times. Some technical innovations are even changing the patient/doctor relationship. Patients and doctors in some areas can now connect with each other through a Smart Phone app without an office visit. Many routine health issues can be handled from your Wind Gap home.
2. Urgent Care
Urgent Care, Immediate Care, and Express Care services are becoming commonplace in Wind Gap. Most routine health concerns can be addressed by these facilities. They are convenient and affordable and their services are covered by most insurance plans. They also help to relieve the pressure on hospital emergency rooms from having to treat non-urgent health problems.
3. Low Cost Plans
In a recent development, states like Pennsylvania can apply for waivers from ACA insurance mandates. In doing so it would allow the insurance companies in those states to offer more affordable insurance to those who don't want or need coverage required by the ACA. Even with the subsidies, many Wind Gap residents found the Exchange plans unaffordable. These low cost plans are also eligible for ACA.
4. Gap Insurance
Sometimes individuals in Wind Gap find themselves between jobs and without insurance. Also, it may take time for new Wind Gap graduates to find suitable work after completing their education. Both of these situations can cause health insurance to lapse. The ACA eliminated the gap policies that filled this need but now they are back. Short-term health plans cover individuals for up to 12 months and can be renewed for up to three years.
5. The Business of Healthcare
Within the healthcare industry we are seeing major structural shifts. Wind Gap area Providers and insurers are consolidating partnering to reduce the cost of delivering healthcare. Vertical integration between insurance companies and providers helps to reduce duplication and effectively manage patient care. Recently, for example, Aetna merged with CVS. More and more, companies are seeking to merge services with suitable business partners.
Choosing the Right Insurance Plan in Wind Gap PA
The professional advice at Randy Roberts Insurance Agency is offered at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable Wind Gap insurance inside or outside of the ACA exchanges. We stay current on the latest changes and offerings of high quality, affordable insurance so we can better serve our Wind Gap 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 Wind Gap 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 starts to take up the cost. A policy with a higher deductible would have lower monthly premium
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.
For each visit to your Wind Gap 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.
Many plans only offer prescription coverage in Wind Gap 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.
There are several kinds of supplemental plans for specific Wind Gap 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 Wind Gap, 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 the 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 Wind Gap. 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 options for you and your family in or near Wind Gap.
Call HealthMarkets today at (610) 965-7310 and let us find the right insurance for you.