Health Insurance
Effective 10-01-2013, there are so many changes involved in health care.  With the new Affordable Care Act  (ACA)  guidelines have been modified drastically.  There are new plans, federal exchanges, new requirements, yet cost savings to those that qualify.  We at Kesslak Agency, Inc.  have completed all the mandatory courses to be certified to assist you in the federal facilitated marketplaces.  Whether you try to do it by yourself on line or via the telephone, your premium cost would be the same.  So why not call Kesslak Agency, Inc.  to help you get your next policy.  You may choose between the federal marketplace or through private insurance companies like Highmark, who offer the federal marketplace policies.  Click the Health and Life tab at the top of the page to find out more about the new Healthcare Reform.  Or call Ed or Shirley at 814-269-1474 !  You don’t have to do it alone !

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Kesslak Agency Inc.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Kesslak Agency Inc. can help you find an affordable healthcare plan that’s right for you. Call 814-269-1474 and talk to one of us today to learn more.

What are the major types of health insurance policies?

There are basically three major types of health insurance policies for PA residents to choose from–consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.


A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Common Health Insurance Terms

When discussing health insurance with a Kesslak Agency Inc. agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

Deductible–the amount of money you pay toward medical bills before your insurance coverage begins.

Co-pay–a specified amount of money you pay upfront for doctor visits and prescription refills.

Coinsurance–the percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call Kesslak Agency Inc. at 814-269-1474 and talk with one of our agents today. We’re right here in Johnstown, PA, ready to guide you toward a more secure future.

Call, Email, or Visit Us Today!

Phone: (814) 269-1474
Kesslak Agency Inc.
1405 Eisenhower Blvd. Ste 103
Johnstown, PA 15904