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 Top Five Things You Should Know On How To Get Competitive Group Rates!

you be pulling the strings with the insurance carrier? 


 ora.gif Appoint Us To Help. Our trusted techniques are time tested.



Know the health conditions of your group.  The more medical information you gather such as medical records, current prognosis, current medications, planned treatments, pending procedures, etc, will greatly aid you in obtaining favorable rates.  We apply this highly effective principle for you.  We lay out a complete medical snap shot of your group medical demographics to an underwriter.  The more homework done the better an underwriter feels about releasing competitive rates!


Consider the tax deductions you can gain as an employer to help offset your tax quarterly payments for the Internal Revenue Service and State taxes.  Getting a competitive rate is good to do. But you can take various tax incentives to your accountant for deeper discounts in your outlay!  We can discuss these savings with you and be sure to ask us about the federal program tax incentive called HRA (Healthcare reimbursement account).


Consider taking advantage of Flex Spending Account and an HRA account combination. These are deeper discounts that can be applied towards employee and employer alike.  In some cases we can set up for you at no charge!


Ask us to apply your company with a minimum of two insurance companies at the same time.  This highly effective method encourages market competition among the insurance carriers for your business.  Having a good relationship with underwriters!  It only takes a matter of minutes for your employees to complete a 2nd application and it saves you quite a bit in insurance premiums.  Put yourself in a bidding war.  The carrier that makes the best offer wins!


Consider implementing new “employer sponsored” programs that are available and becoming very popular in the market.  We show you new trends of what similar employers are offering for benefits in your particular industry.  We also monitor up to date incentives approved by state and federal government.  There are many options and strategies that an employer can elect at affordable rates.  We can make recommendations on a case scenario for you.  Example may be adding dental to offset of pay raise pressures.  The dental premiums are 100% tax deductible and will not cause you a increase in your payroll tax like a pay raise would.

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