health insurance
Small companies can save like the big ones …
Many, if not most, large companies self-insure or partially self-insure their companies health plans.
Did you know that even small companies can do this? Here are some of the benefits:
Plan design is mostly up to the employer.
It is not a major concern what the total potential exposure is, as you can still insure the company against [...]
Keep your health plans from bankrupting the company.
If you own a company¹ and provide health care coverage for your employees, how can you choose good coverage, and yet not send your company to the poorhouse?
Have you ever considered a Health Savings Account-qualified plan? In recent years, many companies have moved to HSA’s to save money. This is a good thing, but what [...]
Helping to avoid having medical expenses bankrupt you.
The news media informs us that many bankruptcies are a direct result of unexpected medical bills. Interestingly, those most often experiencing this tragedy are people that many consider financially ”well off” or in good occupations (and working!).
Three groups less likely to be affected by unexpected medical expense tragedy:
The very rich.
The very poor.
The employed where the company provides good group medical insurance.*
What [...]
But I never get sick …
Sometimes I have people tell me, I don’t get sick. Well, some people just don’t get sick … until they do.
For these people I often recommend a high deductible health plan. Then they are covered if and when they do get sick.
But some people, although they “don’t get sick” worry about accidents.
For these ones, I [...]
Saving some real money on your Group Insurance …
There was a story on the PR Newswire dated August 18th that talked about the growth of CDHP’s (Consumer Driven Health Plans). These plans typically have higher deductibles, and are often put together with a health reimbursement account (HRA) or a health savings account (HSA).
Both of these stategies will help keep an employer’s costs down. [...]
What can I do for you?
Friends,
There are a lot of insurance agencies with websites up. All of them can and will sell you insurance. Why should you do business with me?
Let me tell you a little about myself. I kind of fell into this business. I was a project manager for a small to midsize General Contractor in Stockton CA. [...]
So … what’s important to you?
As an agent, I get an incredible amount of email regarding legislation, proposed legislation, and people trying to get legislation introduced that will affect the cost of health insurance that you and I pay for!
The only thing clear to me is that nothing is clear. It seems to me that few of these people even [...]
Why buy health insurance …
In three short words: To Save Money.
What? Save money? But it costs me money.
Yes, but it also saves money. How so?
By being involved in a purchasing pool, sometimes the savings are really truly huge. Sometimes they are just ordinary … not enough to mention. But did I mention sometimes the savings are huge?
And we do [...]
War Risk Coverage
Take the case of…
the International Engineering Firm. Having won a bid for a design and building project in Iraq was great news for the firm, but not such great news for the HR and Risk Management Departments.
They had to scramble to find replacement coverage for the Group Life, LTD, AD&D, Medical, and Kidnap & Ransom [...]
Easy issue health insurance …
Many people work for employers who provide medical insurance. This is a good thing, because getting medical insurance can be difficult, especially for those of us who have medical conditions or who are too short for our weight!
Individual major medical is available, but often only to those with good health. And I can help any [...]
