Free Insurance Quotes.

Business FAQ

• How do we lower our premiums and continue to offer excellent benefits to retain our employees?

  Obtaining group or small business health insurance provides medical coverage for yourself and your employees and also distributes the financial risk between all members, resulting in lower premiums and more comprehensive coverage.

  Employers looking to reduce premium costs can also stimulate competition by offering employees multiple health plans and making a fixed dollar contribution toward premiums.
  

• How can I communicate changes to my employees? 
  
  Communicating your benefit package and any changes is one of the most important meetings you can have. Many employers do not want to take time from an employees work time to go over the benefits.
  
  We as your broker encourage our clients to allow us to do a presentation to the employee so that they number one are aware that the employer is paying for great benefits and two understand their benefits.  This knowledge will outway the loss of work time.
  
  
• I don't have a full time HR person, where can I call for help and who can my employees call? 
  
  Seeger Benefits & Insurance Services prides ourselves on being an extension for our clients to the degree that they would like us to be. We assist our clients with:
  
  - Open Enrollment Meetings
  - New hire meetings
  - Employee Terminations
  - Claims & benefit questions
  - Billing issues
  - Cobra issues
  - Anything that the employer or employee need when it comes to their benefits, we encourage our clients to contact us first!
  
  
• Health Care Reform, how does it affect my company?
  
  Reform has changed since the bill was passed on March 23, 2010 and will continue to change. At this point what has changed are the following benefits which are mandated:
  
  Dependents are covered up to Age 26 -  there are only not eligible if they can have coverage through their employer.
  
  Lifetime Maximum - It used to be that PPO policies had lifetime maximums of $6,000,000 or $5,000,000. Today they can have  no lifetime maximum.
  
  Children under age 19 - Children under age 19 cannot be declined for any reason and are not subject to pre-existing when new to insurance.
  
  Preventive Care - Carriers can no longer have copays or coinsurance for preventive care.
  
  Tax Credits - For small business owners with less than 25 employees they may be eligible for a tax credit. 
  
  Grandfathering vs. Non-Granfathering - We would be happy to guide you on the pros and cons when making this decision as it can be confusing and depending on a companies circumstances will determine what is best for them.