"Insurance" Posts

As health care and its increasing costs were focal points of the last election, many have now come to realize this national issue must be addressed. From employer sponsored health plans to individual coverage, costs are skyrocketing while benefits are being cut. Many are now asking what has happened to our health care system and what can be done to improve it.

It is estimated that in 2008, 63 percent of employers offered health benefits to their employees. This statistic is further broken down as follows: preferred provider organization (PPO) plans, 58 percent; health maintenance organization (HMO) plans, 20 percent; …

Rates today continue to climb on the benefit side of the insurance industry while the service continues to decrease! The question becomes— “Why are you paying a broker to represent your company?”

Most employers forget that they are paying for representation and too often voicemail is their answer or, if by chance their broker is on the phone, an “800” number is passed out as a solution.

How to pick a broker:
When interviewing a broker to represent you, the tough questions must be asked. Instead of inquiring on what to expect during the plan year, many small business owners …

As the economy tightens and oil prices rise…most business owners are looking in every crack to try and find money that may be wasted.

Similar to many Americans, they are always trying to find “the deal.” Big savings, whether found on the Internet or through the “little guy,” usually seem too good to pass up. But when it comes to insurance, what appears to be too good to be true usually is! Today, the Internet offers increasing amounts of information on everything from workers’ compensation to health insurance. However, be careful when searching for insurance coverage on the Internet, as …