Process for Quoting Group Health Insurance
We follow a series of steps to give you the
best service possible.
Gather Information. Through an in-depth
interview, we find out everything we need to make an accurate
proposal, such as size of company, potential for growth, types
of employees, purpose of benefit plan and personal preferences.
Less than 50 Employees:
Quoting Software. Because Colorado uses community
rates for all groups under 50 lives, we have built a proprietary
software program that is directly linked to each insurance
company’s community-rates and plan designs. To our knowledge,
it is the only resource of its kind. It allows us to instantaneously
quote every insurance company (all of their plan designs)
and represent them to you in one simple and dynamic spreadsheet.
50 or greater Employees:
Send Out for Proposals. Based on your needs, we request
proposals from a range of insurers in order to give you several
suitable plan choices. Our presentations are well focused
and cover a lot of ground. We will leave you with a packet
containing all the information presented so that you have
something to refer to when you are reviewing the plans later.
Analyze Plans. Using painstaking methods,
we carefully analyze all the plans and put them into a format
where they can be compared apples to apples. When insurers
present their plans, they highlight strengths and hide weaknesses.
Our analysis attempts to put all plans on equal footing so
that you can compare them accurately.
Guide to Facilitate. Once
you have made your decision, we guide you through the application
process by helping you fill it out correctly. So that your
new benefit plan is implemented smoothly and properly.
Help with Enrollment. After the plan
is in place, we will assist you with the enrollment of new
employees. We will provide customized enrollment materials
and explain plan details to employees.
Assist in Government Compliance. Group
insurance exists in a quagmire of government regulations.
We provide you with compliance guidelines and give you any
additional assistance you may need. We provide you with continued
services as the laws change.
Assist in COBRA/State Continuation Compliance.
We will either provide you with complete COBRA/SC administration
or just help you with your in-house administration.
The choice is yours.
Renewals and Reviews. When your renewal
approaches, we conduct a review of your plan to determine
if it still fits your company or if changes are necessary.
Additional Products. We keep you informed
of new and additional products that may benefit you and your
Additional Services. Our agency
prides itself on being able to provide any unique services
your company may require. We will help to customize
our services to your needs.
Questions Answered. We are happy to
answer any questions you may have about medical insurance.
Just send us an e-mail or call us today.