How it works
Patrick's job is to show you every option you have, explain what each one really means, and help you pick. Here is how that works.
Take the Coverage Check or call (267) 226-0949. It takes a couple of minutes.
By phone, video, or at the Allentown office. He asks about your household, your doctors, your budget and your health.
Pick the plan that fits. Patrick works through the application with you.
The two roads
Patrick checks both roads for every client, so you see the whole picture before you pick.
Pennie, Pennsylvania's official health insurance marketplace.
Often the right road when someone in the house has an ongoing health condition, or when your income qualifies you for real help with the premium.
Separate from the Marketplace.
Worth a look when your household is generally healthy and you do not qualify for much help on the Marketplace.
Deductible vs. out-of-pocket max
The deductible is what you pay before the plan starts sharing costs. The out-of-pocket max is the most you pay in a year for covered care. Set your own numbers.
What you would pay
Illustration only, using the numbers you set. Real plans also have copays, networks, and rules about what counts toward the deductible. Patrick shows you the real numbers for real plans.
Plan types, decoded
HMO. A narrower network. You usually pick a primary doctor and need a referral to see a specialist.
PPO. A broader network, specialists without a referral, and some coverage outside the network, usually at a higher cost to you.
EPO. In the middle. Usually no referrals, but only in-network care is covered except emergencies.
If keeping the doctors you already see matters to you, tell Patrick up front. The network is one of the first things he checks.
The Coverage Check asks six quick questions and shows you which road fits your situation. It is free, with no obligation.