Insurance Broker – Second Opinion
As health insurance brokers, we often run into individuals and companies who choose to stick with the same group health insurance broker and benefits — despite evidence they could offer their employees something far better.
Not only is this disappointing for us, it also has real world implications for employees and businesses. If you have had the same group health insurance broker and benefits for years, it could be a sign you need to make a change. One of the best ways to do that is to get a second opinion.
Getting a second opinion doesn’t mean you have to make the switch to a different broker or even a different plan. It simply means that you’re trying to do what is best for your company and the employees who support your business. By putting their needs first, you end up with a happier and healthier business from the ground up.
As brokers, we’re happy to investigate different plans and coverage options for group insurance plans. Here are a few ways that getting a second opinion from us is beneficial for your business and employees.
Negociación de primas más bajas
Perhaps the most convincing reason to look into a second opinion is the prospect of lowering your premiums. At Primary Care Insurance Solutions (PCI), we’re committed to negotiating lower premiums for our clients. We do this based on claims experience analysis, underwriting experience and carrier contacts. In most cases, we use our expertise for groups over 50 and level funded and self-funded plans.
Nuestra experiencia en estos campos nos proporciona el conocimiento necesario para ayudar a su negocio a disfrutar de descuentos en las primas.
Para un mejor retorno de la inversión
Another reason a second opinion is a good idea is due to the fact that, statistically speaking, employee benefits are a company’s second or third largest expense. Keeping employees healthy actually saves you money. The more benefits you offer them through their insurance coverage, the less likely they are to miss work due to illnesses. When you cover their health needs, your investment in their work will pay off to the benefit of your company as a whole.
Ser un mejor empleador
Como gerente de recursos humanos o director financiero, en última instancia, usted es quien debe decidir si elegir el corredor de seguros de salud grupal adecuado para su empresa. Usted es el único responsable de obtener el mejor plan al mejor precio, teniendo en cuenta la salud de sus empleados y sus familias. Una segunda opinión demuestra a sus empleados que usted realmente se preocupa por su salud y que se esfuerza por hacer lo mejor para ellos.
Richard Branson lo dijo mejor cuando dijo: “Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients.”
In that same vein, the more taken care of your employees feel, the harder they may work for you. Thus, leading to increased revenue for your business. A bit of research involves very little effort on the part of HR departments and guarantees you’ve got the best coverage options available.
Para una mejor información
Consider this, while every broker has a generalized understanding of the market, he or she may not have the same level of knowledge as another insurance broker. Additionally, brokers carry different plans and unique options. By failing to get a second opinion you’re missing out on the potential these brokers offer your business.
Para defender su negocio es necesario plantearse preguntas y explorar rutas alternativas. No puede obtener esa información recurriendo al mismo agente durante décadas. Los nuevos conocimientos y la experiencia pueden proporcionar una gran cantidad de información que quizás desconocía.
Opciones avanzadas de software
No hay dos corredores de seguros que tengan las mismas habilidades e información a su disposición. Por ejemplo, en Primary Care Insurance Solutions, utilizamos un software de cumplimiento avanzado para identificar los mejores planes de seguro médico grupal para su empresa.
Analizamos su mercado, la edad promedio y la salud de sus empleados, y creamos planes personalizados según sus necesidades. Esto crea una cobertura integral para su empresa y le permite ofrecer a los empleados más de lo que creían posible. Nuestro software de cumplimiento actualizado le garantiza que obtendrá los mejores planes a través de nosotros.
Broker Commissions Don’t Change
Incluso si nunca busca una segunda opinión para su plan de seguro médico grupal, su corredor continúa ganando comisiones todos los meses. La pregunta que debe hacerse es: ¿qué está haciendo él o ella para ganarlas? Al explorar sus opciones, tiene más posibilidades de obtener las opciones de servicio y cobertura que necesitan sus empleados.
It’s time to take the confusion out of group health insurance. At Primary Care Insurance Solutions, we happily provide second opinions for businesses, large and small, regarding their current coverage options. Securing the best premiums along with the best coverage is our job. The question is, is that what your insurance broker is doing for you?
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