 |
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 2sup>nd
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./span> |
