Our Pledge To You
Before we discuss what we can offer you and your employees, we’d like to take the opportunity to reassure you. When you work with Jason Collum and Associates on insurance options, you’re working with an honest, reliable, and experienced agent and organization. We do not believe shady practices, dishonesty or high-pressure tactics have any place in insurance or business. We’re not out to make a quick buck at the expense of others. When we say we have your best interests in mind in everything we do, we mean it. We realize our future growth and success depends entirely upon how we treat others. Our guarantee to you is you never have to worry or wonder whether we’re being completely honest and forthright with you, your employees, or with the insurance companies with which we’re dealing. Honesty is our best – and only – policy.
Group Major Medical Health Plans
It’s no secret the world of health insurance has been volatile the past few years. The only sure thing is that the next few years will be a period of change as well. Will the Affordable Care Act stay or go? While we don’t have all the answers there (no one does, really) we do have answers to help guide you through your present options and help you maintain your ACA Compliance. We shop a host of insurers to find your business, no matter its size, the best possible coverage at the best possible rates. Something we will not do, though, is sacrifice quality for price. Not all insurance companies or networks (PPOs, HMOs, etc.) are created equal, and we keep a close eye on how companies perform and how well they work with area doctors and hospitals on claims. The best insurance in the world isn’t worth much if claims handling is done poorly. You can be assured we are looking out for your best interests.
Health Insurance Cost Management
With health insurance premiums rising each year and the number of carriers shrinking, it’s getting tougher for employers to afford major medical coverage that strikes a balance between affordability for the company and the employee. We can work with you on keeping your health insurance costs as low as possible – and preparing for future risk and rate increases. Ask us how the Medical Bridge Program™ can work for you.
Section 125 Cafeteria Plans
We can assist you in obtaining the best possible products to complement your major medical plan, from additional term life insurance to disability, dental and vision plans. We also provide materials and work one-on-one to educate your employees on their options regarding these plans, helping them to understand the value of the benefits your company offers them. Additionally, we offer top-notch service to human resource directors and benefits administrators in handling these plans and claims made on them. As an independent insurance broker/agent, Jason Collum is on your side, not the side of the insurance company. He will go to bat for you and your employees, and will always look out for your best interest. As a matter of practice, clients are provided an annual summary of their complete list of benefits, including a side-by-side comparison of their current benefits with product offerings by other insurance carriers to see if better rates or coverage for the same quality products are available.
Voluntary Employee Benefits
Many employers choose to make additional health coverage available to their employees both inside and outside of cafeteria plans. After all, the best place for people to get health insurance coverage of any kind is through the workplace because of the lower group rates. With many companies, the availability of certain benefits is a key factor in recruiting and retaining top talent and qualified employees. Enrollment in voluntary workplace benefit programs has been growing in the past few years, especially with benefit options including plans covering
- Critical Illness
- Long-Term Care
- College Tuition/Student Loan Repayment
- Hospitalization/Hospital Indemnity
- Gap/Deductible Bridge
We work with you to develop benefits packages that best suit your employees, and find top-quality products at the best possible rates from established, trusted insurance companies. Contact us today to arrange a no-obligation, no-cost review of your benefits plan to see if your company and your employees can save money while enjoying greater benefit options.
Individual and Family Health Insurance
Not everyone has the option of obtaining group health insurance. This includes those who are self-employed or work on a contract, commission basis, and those who work for companies where group health insurance coverage is not available. We can work with you to help you obtain individual or family major medical health coverage. And, as with our group customers, you can be assured we will look out for your interests the same way. In our eyes, whether it’s one person trying to get health insurance for himself or his family, or an employer trying to get coverage for 1,000 employees, you both deserve the best possible service. Additionally, we can help guide you through non-traditional coverage options, such as healthcare cost-sharing programs that could save your family significant money as compared to traditional medical coverage. Ask for details.
Managing your medical costs as you get older includes making sure you have the right supplement to your Medicare plan to fit your financial needs. We shop numerous carriers to find the best rate for you, and then back that with our pledge to assist you with quality service.