Carrier Selection and Management
We are selective regarding the insurance carriers we work with and strive to ensure our clients have the highest quality options available to them by:
- Pre-determining the fit of certain carriers to our clients unique business needs
- Evaluating proposed benefits, services, and plan designs
- Analyzing carrier benefit cost trends
- Conducting annual evaluations of our carrier partners
- Understanding the carrier’s underwriting guidelines
Below is an abbreviated listing of the Insurance Carrier Partners we work with (we have access to virtually all insurance carriers).
- Aetna
- Colonial
- Guardian
- Hartford
- HealthNet
- Kaiser Permanente
- LifeWise of Oregon
- LifeWise of Washington
- LifeWise Assurance
- Lincoln Financial
- Metlife
- ODS
- Pacificsource
- Principal Financial
- Providence
- Regence Blue Cross Blue Shield
- Regence Life & Health
- Reliance Standard
- Standard Insurance
- United Concordia
- United HealthCare/Pacificare
- Vision Services Plan
As you contemplate searching for the right insurance professional to assist you with your employee benefits program ask yourself these questions:
Q. Does my insurance agent meet with me regularly throughout the year or just at renewal?
Q. Do I have an effective benefit communication strategy in place to help my employees understand and appreciate the benefits I offer?
Q. Does my insurance agent regularly review my existing benefit plans to determine where benefits may overlap, look for gaps and determine where new or revised benefits may be in order?
Q. Are all of the dependents on my benefits program eligible to participate? Have I recently conducted a dependent audit to determine if there are ineligible dependents on my plans filing claims and increasing my liability?
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