WHAT TYPES OF INSURANCE DO YOU OFFER?

We offer health, life, dental, vision, disability, legal, travel, and pet insurance. 

WHO ARE YOUR TYPICAL CLIENTS?

Our brokerage is full service with product offerings for individuals and families, businesses, and seniors for Medicare. We work with large and small businesses in the Oregon, SW Washington, Idaho, and California areas. Our clients typically choose us for fast, reliable, and personal attention to their business needs and goals. We achieve high results for our clients by incorporating technology where it speeds up processes and communication, and personal attention to work on moving your business forward. 

DO I GET A LOWER PRICE IF I BUY MY POLICY DIRECTLY THROUGH THE INSURANCE CARRIER VS. USING A BROKER?

No. More often than not, if you try going direct as a business, the insurance company will assign you to a broker. In most cases, a broker is paid a commission, or fee, by your insurance company to provide service. The fee is included in your premium whether you go direct or use a broker. Whether you prefer a hands-on, personalized approach to employee benefits, or electronic support, we customize our service to your business plan and model.

WHERE CAN I FIND MY ID CARD AND FURTHER INFORMATION ABOUT MY BENEFITS?

Once your insurance company has processed your application associated with your employer, connect with your insurance company to access a temporary ID card. You may also request to have access to your online portal, where you can find annual cost trackers, cost estimators, service history, and discounts on gym memberships and activities. You can also contact us with any questions you have about your policy.

WHAT FACTORS PLAY INTO MY PREMIUM FOR A SMALL BUSINESS?

Businesses under 50 employees, in Oregon, are treated as a small business. This means that health insurance premiums are rated solely on the average age of your enrolled employee base and your headquarters zip code. There is no utilization aspect involved, so even if your employees don’t use their insurance policy, you can expect to see a premium increase at renewal if no employee changes occurred because the average age of the group increases by 1 year. Other factors that play into your premium include expected usage, doctor fees, medical equipment costs, prescription pricing, facility fees, admin costs, and more.

WHAT FACTORS PLAY INTO MY PREMIUM FOR A LARGE BUSINESS?

Businesses over 50 employees, in Oregon, are treated as a large business. Health insurance premiums are now rated based on a number of factors, including, but not limited to, average age of enrolled employees, size of the company, service utilization, zip code, and more. There is more price and benefit flexibility in this arena as well. Other factors that play into your premium include expected usage, doctor fees, medical equipment costs, prescription pricing, facility fees, admin costs, and more.