Recent changes in healthcare laws may have you worried about finding the right health insurance for you and your family. At Fanelli, Harley, Harper & Assoc, we’ll work with you to find insurance options that are right for your situation. We’ll explain the legal requirements and help you shop around for the best deals.
Today, Pennsylvania residents have many options for healthcare coverage. The three broad categories of health insurance available to individuals and families are consumer-directed care, fee-for-service coverage and managed-care insurance.
Also known as a “consumer driven” or “consumer choice” plan, this new type of healthcare coverage is designed to provide you with maximum control over your health coverage. With this type of coverage, you set up a health savings fund that is used to cover medical expenses.
Perhaps the most traditional of all health insurance options is the fee-for-service option. With this insurance, you pay a set rate for medical treatments and services. These plans provide flexibility in choosing a healthcare provider.
Common managed-care programs are HMOs and PPOs. Under this type of coverage, you receive better rates and discounts by seeing specified, in-network physicians and healthcare providers.
As an independent insurance agency, we work for our customers, not for a big insurance carrier. We’ll take the time to get to know you and come to an understanding of your personal needs and circumstances. You can get started with a free online quote, but we’d also like to talk with you and help you find the best healthcare options for you and your family.
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