Miller Carlisle: The Pennsylvania Health Insurance Broker On Your Side
Since 1978, Miller Carlisle Insurance Services LLC of Carlisle PA has been a leading health insurance broker. Tom Lane heads up our Health Insurance division. He joined the agency in 2006 and specializes in health, life and disability insurance for groups, individuals and Medicare-eligible beneficiaries. Whether it’s a health plan for yourself, your family, or your business, the health insurance specialists at Miller Carlisle work individually with each client to make sure you get the right plan.
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Whatever you’re looking for in health insurance coverage – from basic plans to Medicare supplements to dental riders – Miller Carlisle offers the independence and the experience to find the best health insurance for you . . . now and for life.
Cover Your Family & Employees. Save Dollars and Hassles.
Think Health Insurance Is Expensive? Try Not Having Any
Let’s face facts: Getting sick or becoming injured is expensive. Set aside the anguish of the physical ailment – the dollar figures on some of those hospital bills are enough to make you sick all over again.
Health insurance exists to soften the blow of unexpected medical expenses. With a well-chosen health insurance plan, you’re covered for a significant percentage of those health costs after meeting your deductible, allowing you to focus on feeling better.
In addition, health insurance will provide you with free preventive care services such as checkups, consultations, and vaccinations, so a good health insurance plan can save money on health costs even before your deductible is met.
Why It’s Important To Work With an Independent Health Insurance Broker
We Get Quotes from Various Carriers To Find the Best Plan For You
Clients need Pennsylvania insurance agents with independence. That means those agents can work with a wide range of health insurance companies, pinpointing the best possible health plan from a competitive field.
Miller Carlisle has always been an independent health insurance broker in Pennsylvania. That’s a tremendous benefit to our clients. Since we don’t work with any particular company, we can offer more health insurance options to individuals, families, and businesses, including employer plans through our group health insurance agents.
Of course, choosing a health insurance policy is about more than the cost of the premium or the amount of the deductible. Budget is important, but so is service. Miller Carlisle’s team of insurance brokers will analyze a prospective plan’s details and provide expert advice. Plus, if you ever need to claim benefits from the policy, your Miller Carlisle broker is ready to assist you in filing and resolving the claim.
But what about middleman markup? That’s not applicable here. In fact, working with an independent Pennsylvania health insurance broker is often more cost-effective than purchasing a plan directly from the insurance company!
How Do You Buy Health Insurance in Pennsylvania?
Open Enrollment Runs November 1 to January 15
Pennie is Pennsylvania’s official health insurance marketplace. Pennie’s open enrollment period runs from November 1 to January 15, and December 15 is the deadline for coverage that begins January 1.
Outside open enrollment, a qualifying life event, such as losing health coverage, getting married, having a baby or moving, can make you eligible for a special enrollment period. You generally have 60 days to report the change and sign up for a health plan.
Pennie is also the only place for Pennsylvanians to receive financial savings in the form of tax credits that help lower the cost of coverage. Eligibility is based on income, family size and other factors.
Bronze, Silver, Gold and Platinum Plans
Plans on Pennie come in metal tiers. In general, lower tiers like Bronze have lower monthly costs but higher costs when you need care, while higher tiers like Gold and Platinum have higher monthly costs but lower costs when you get care. Silver plans balance monthly costs and out-of-pocket costs, and if you qualify for extra savings called cost sharing reductions, you must pick a Silver plan to use them. Platinum plans are only available in certain regions of Pennsylvania.
Do You Need a Broker to Buy Health Insurance?
You can shop for and buy a plan on your own through Pennie at pennie.com. A broker can also help you compare your health insurance choices. Miller Carlisle is an independent agency that works with more than one insurance company, so we can help you weigh those choices against your needs and budget. If you would like that help, call a Miller Carlisle insurance agent.
Serving the Health Insurance Needs of All of Pennsylvania
Miller Carlisle Serves Clients from Pittsburgh to Harrisburg to East Stroudsburg
The home office of Miller Carlisle Insurance Services LLC is in Carlisle PA, but from our Central Pennsylvania location we’re able to serve businesses and individuals throughout the Keystone State.
We’re proud to provide excellent insurance services to every corner of the commonwealth, from Erie to Philly, Allentown to Aliquippa, and Scranton/Wilkes-Barre to Washington PA. We know all the health insurance options available to Pennsylvanians, including national carriers like Highmark and United Healthcare along with regional choices like UPMC and Geisinger Health Plan and Independence Blue Cross – and we can help you determine the plan that’s right for your situation.
Contact Miller Carlisle, Your Pennsylvania Health Insurance Broker
Call or Click for Free Quotes on Great Coverage Options from Top Providers
Self-employed? New addition to the family? Just became eligible for Medicare? Looking to offer excellent employee benefits? When you’re shopping for health insurance, we’ll help you get the coverage you need!
Let’s get started. Call our insurance broker office in Carlisle PA at 717-243-4400, or email us at info@carlisleins.net. Or submit the short form on the right-hand side of this webpage, and a Miller Carlisle agent will reach you.
Serving Pennsylvania since 1978, now’s the time to work with the expert health insurance brokers of Miller Carlisle Insurance Services. We’ll guide you through the whole process and make sure you get the best plan available.
