Group health insurance is similar to individual health insurance with the primary differences being the requirements for enrollment and the conditions under which someone may apply. Most group health plans have waiting periods and employment requirements that must be met, however once these conditions are satisfied, group plans are usually less strict than individual policies.

Fanelli, Harley, Harper & Associates does not represent any one insurance carrier, thus we can quote health plans for you based on your company’s needs. We have access to HMOs, PPOs, traditional indemnity plans and fee-for-service plans. We can enhance these with prescription drug plans, dental coverage and vision coverage. This ensures that you get a plan that is really right for you and your employees.

Important Notice Regarding your Current Prescription Drug Coverage & Medicare (pdf)

We represent excellent insurance carriers that offer comprehensive coverages that protect your business at very competitive pricing. Some of the companies we utilize include: Assurity Life, Guardian, Mass Mutual, Unum.