Un problema constante que encontramos con los propietarios y administradores de empresas es que no están dispuestos a buscar una segunda opinión sobre la cobertura.

In one recent survey we asked that very question, “would you be willing to investigate an alternative group health insurance option?”

The result? Over 80% said no, they wouldn’t.

A better question might be, why wouldn’t they? What keeps businesses and administrators stuck in an endless loop of mediocre customer service and coverage options?

That’s what we wanted to discover. So, we interviewed these same businesses and owners to dig deeper into understanding what makes them stay where they are.

A continuación se presentan algunas formas en que los dueños de negocios respondieron cuando los presionamos más para comprender su razonamiento y algunas preguntas que teníamos para ellos.

“Our Broker does a good job, and we’ve used them for years.”

La lealtad a la marca es fuerte, pero puede impedirle buscar mejores oportunidades para mantener a sus empleados sanos y felices.

Additionally, if you’re not comparing the services you’ve received to other options on the market, how do you really know if your Broker is doing a good job?

Las métricas determinan si su corredor está haciendo todo lo posible por usted. Y si no ha verificado o comparado esas métricas, es probable que no esté recibiendo el mejor servicio posible.

Is your Broker leaving money on the table for you? Are you overspending on benefits your employees don’t even use? How would you know either way?

Exploring other avenues for group health insurance coverage empowers you to save money and maximize your benefits. After all, your Broker doesn’t benefit if you save money.

“But don’t you shop around for car insurance? Wouldn’t you want to do the same for your employees and business?”

This was our response to the idea that their Broker does a “good job.” Your car insurance only affects you personally, it doesn’t affect employees or your business. But what group health insurance policy you carry does.

If you are willing to shop around for car insurance, wouldn’t you want to shop around for insurance coverage that benefits your business? A second opinion is at least warranted in this scenario. You cannot know if you are getting the best if you simply rely on one Broker to handle all your health insurance needs for decades.

¿Qué pasa con sus empleados? ¿Cómo se sentirían si supieran que usted ha utilizado el mismo bróker durante años y nunca ha investigado otras opciones que podrían permitirles ahorrar dinero?

Si lo supieran, nos imaginamos que no estarían muy contentos. Después de todo, usted los representa en la batalla por encontrar una cobertura de seguro médico consistente y asequible.

By simply searching for a second opinion you can keep your employees happy and reduce the likelihood that they’ll pay more out of pocket than they have to. Even investigating just one second opinion can give your employees the leverage they need to make a better decision for their health.

“When you do get a second opinion, you should do thorough research.”

Este es un consejo para los administradores y dueños de empresas que buscan una segunda opinión. A menudo, estos administradores solo analizan una opción y resulta ser más costosa que sus planes actuales, por lo que se dan por vencidos.

Sin embargo, como corredores de seguros de salud con más de veinte años de experiencia, podemos asegurarle que se necesitan más de una opción para encontrar una solución superior.

In fact, it takes a thorough understanding of your employee’s benefit plans and what your employees want. After all, 83% of employees say health insurance is very or extremely important when deciding whether they should change jobs or stay where they are, according to the Employee Benefit Research Institute.

So, what do your employees think of your current group health insurance options? Are they satisfied? How would you know if you aren’t refining your plan each year, and instead trusting one Broker to handle it all?

Le recomendamos que, si solicita una segunda opinión, la pruebe detenidamente. Sea minucioso y dé a sus segundas opiniones la oportunidad justa de definir su seguro médico grupal.

“What value are you gaining by staying with the same carrier, 10% or 5%?”

This is a tough question to answer, but an important one. If you’re determined to stay with the same carrier no matter what, another question to ask is how is that valuable to you? In financial terms, are you enjoying a value of 5 or 10 percent more than you would if you changed carriers?

That’s a question you can only ask if you investigate your current group health insurance plans and carriers.

“We can save you 30% or more on your group health insurance than you currently pay.”

En Primary Care Insurance Solutions, hemos ayudado con mucho gusto a posibles clientes a ahorrar más de 40% en sus planes de seguro médico grupales actuales. Pero solo podríamos hacerlo si nos dieran la oportunidad de demostrarles que una segunda opinión puede ser beneficiosa para ellos.

Saving our client’s, a huge amount on their group health insurance coverage brings us joy, and we are thankful when we are given the opportunity to show businesses that second opinion can help.

Esto también demuestra que hay muchos corredores y compañías que no brindan todos los beneficios que podrían y deberían brindar si podemos ahorrarles el 40%. Por eso le rogamos que considere obtener una segunda opinión sobre sus opciones de cobertura.

“Did you know that many Brokers don’t shop renewals for their clients unless asked?”

That’s right, your Broker might not be doing their job. Shopping for renewals is an important part of our job as health insurance brokers. That’s why we shop every group every year as if they were a new business for us. That enables us to find the best plan options and benefits available at the lowest prices possible.

We believe we have to earn your business each year, we don’t assume we have it no matter what. Our job is to have your business’s best interest in mind.

The question is, does your current Broker share that outlook? Are they working tirelessly each year to shop renewals to guarantee you have the best possible deal? If they aren’t, it might be time to contact Primary Care Insurance Solutions.