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HealthMarkets Randy Roberts Insurance Agency is celebrating its one-year anniversary in Allentown/Bethlehem helping community members with free health insurance checkups to local residents and existing clients in the Lehigh Valley.
Health Markets Randy Roberts Insurance Agency in Allentown/Bethlehem is spreading the word by celebrating its one-year office opening anniversary in its current location. The office is physically located in Bethlehem but has an Allentown mailing address due to local postal zones. To mark the occasion and help the local community, they are providing free/no-obligation insurance evaluations for all Lehigh Valley residents and current customers that need help better understanding their insurance needs and options.
“People’s lives change, so their insurance needs change,” says Jessica Roberts. “Most people don’t understand the complicated health system, and just like a doctor checkup, people need a checkup on their health insurance status to make sure it fits their age and life style.”
Randy Roberts adds, “Lots of people have the wrong coverage or no insurance coverage at all. It’s not a problem until it’s a problem, and then it’s too late.” Roberts encourages walk-ins and existing clients to ask questions to be certain the insurance they are paying for provides the right blend of protection and benefits. “We call it insurance centered around you,” says Roberts.
Roberts points out that with every life event changing insurance needs should be evaluated; whether it’s marriage, divorce, buying a house, having children, or even a job transfer. Each new challenge presents opportunities for financial loss for uninsured and under-insured. “Our goal is to make sure our clients are protected from the road bumps in life.”
Roberts explains that when you remove the politics and the emotions from health insurance, it becomes a simple math equation that needs to add up in each persons favor. Many people think that deductibles are the most important piece of the puzzle, but this is not necessarily true. The deductible is the thing that often gets paid first, and is probably the most expensive lever in the puzzle. The lower the deductible, the higher the monthly payment, and vice versa. It is probably one of the least used tools in health insurance. In general if a person has major accident, major illness, or a hospitalization, this is where it really kicks in.
The rest of the equation includes coinsurance, co-payments, prescription plans, max out of pocket expenses, and monthly payments. Finally supplemental insurance helps fill in any gaps. It’s necessary to run the numbers based on people’s needs to find out how to help eliminate the Gaps and get an individual or family protected with the best possible options.
Health Markets Randy Roberts Insurance Agency offers a broad range of insurance coverage including health insurance, life insurance, disability insurance, supplemental income insurance, long-term care insurance, and dental and vision insurance. As an independent agent, the Agency is able to find the best provider to meet the particular needs of its clients by asking the right questions and shopping the plans and providers. Most major providers are available which include Highmark, Capital Blue Cross, Geisinger, Aetna, United Healthcare, and the Faith Based plans. The first three of these options can be a part of the ACA (Affordable Care Act) if needed by the client.
“We are always available to answer questions,” states Roberts. “It can be so confusing with all the companies and choices.” The Lehigh Valley office is conveniently located on Pennsylvania Avenue in Allentown right next to Queen’s Nutritional Products, and just south of the Lehigh Valley International Airport and Route 22.
For more information, those needing assistance can call Randy Roberts at 610-419-0634 or stop in to 1424 Pennsylvania Ave, Allentown, PA 18109 weekdays from 9am to 5pm.
Release ID: 323983