With costs rising, you have to consider the alternatives...percentage of sponsorship, raising deductibles, company credit cards, use it or loose it?
Any broker can print out the quotes and point out the options...what's next? Where are you headed?
We know the benefits people consider important in health coverage because we work with them privately when they are on Cobra or during open enrollment.
People value plan components differently depending on their needs and where they are in life.
Everyone though, wants to know they can meet the financial burdens of a health catastrophy.
To satisfy a group you have to offer plan options at or above the expectations of each of the varied participants...with sustained affordability.
This requires offering plan options that address known levels of need and relate to one another in a way that can allow members to achieve an opportunity for improvement in coverage as their needs change.
No matter how diverse your workforce...there is always a best solution...one that makes the most sense today and paves the way for a better tomorrow. There is a better direction. We are committed to helping you find it, communicate it, and experience ...
tips for a successful group plan design...
treat everyone equally...not the same.
Offer HSA's with contributions for the younger participants. Offer Medicare Options to the elder. You'll see costs decrease and morale go through the roof. One plan can't satisfy everyone...that's why there are so many! You can and should offer a few well placed options.
offer private options for dependant coverage.
Carriers compensate brokers nearly the same per adult head on group plans as private plans. Why should the broker shop private options for your dependents? Not for their commissions...for your employee's premium savings. Dependent premiums, if subject to payroll deductions, can be dramatically reduced on private plans if the dependents are fit...and it won't negatively effect your rate! Give your employees the opportunity of a quote. We'll do the extra work...happily, without a fuss.
renew anytime other than January 1.
Don't get caught up in the rat race. We know how busy things things get the last quarter of the year. Sure...if you have to do it then so will we... but we'd rather take more time with you and your options. Don't be rushed into a decision...contact us ...we'll run quotes today!
