Control Labor Costs
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Health Insurance
Your Health Insurance, Simplified
You could buy health insurance on your own, but why would you?
Using an Independent Insurance Agent does not add any additional cost to your policy AND gives you an additional layer of protection from these common issues:
- Denied Claims
- Pre-Authorization Issues
- Billing Errors
- Enrollment Errors
- Prescription Drug Coverage
Think of an Independent Insurance Agent as a warranty for your Health Insurance Policy whether using carrier connections and internal appeals processes or external appeals through the Bureau of Insurance, Independent Agents have the ability to make sure that your Health Insurance Policy covers what it should!
The Process
How it Works
There are no shortcuts, whether you are shopping for Individual / Family, Senior, Self-Employed or Group coverage, we start with a process that ensures that your needs are addressed with the best policy for you.
The Process
How it Works
There are no shortcuts, whether you are shopping for Individual / Family, Senior, Self-Employed or Group coverage we start with a process that ensures that your needs are best addressed by the best policy for you.
Step 1: Physicians
We identify your preferred physicians and verify their participation with each carrier.
Step 2: Facilites / Hospitals
Specialty Physician Groups and your preferred hospitals are verified with each carrier.
Step 3: Prescription Drugs
Our team collects a full medication list including Name, Dosage, Frequency to verify that there will be no interruption with your plan’s coverage for the Medicines you require.
Step 4: Experience Carrier Selection
We use our 40+ years of experience in the area and our industry to discuss the pros and cons of your Health Insurance Carrier Options
Read MoreStep 5: Experience Plan Selection
Once a Health Insurance Carrier has been chosen we use a simplified process to help determine which of the hundreds of plan choices with varying Deductibles, Copays, Out of Pocket Maximums etc. best meet your care or budgetary goals.
Get a FREE Consultation.
Get Started
We would love to talk more with you on how we can help.
Increase Efficiency
Why Workforce Management?
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Minimize Compliance Risk
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Improve Productivity
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Drive Operational Efficiency
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Continuous Improvement
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Benefinder Services
We're Here When & Where You Need Us
Every client has a local and live dedicated account manager to make sure that your needs are met!
Coverage Types
We Help with
Every client has a local and live dedicated account manager to make sure that your needs are met!
- Individual / Family
- Seniors
- Group / Employer
Individual / Family
Individual / Family Coverage Options for Individuals not offered “Affordable” Employer Coverage
- On-Exchange ACA: For Individuals that are eligible for cost reduction through Subsidy or Premium Tax Credits. Our team will help identify how much assistance you are eligible for and help you understand how these limited network plans can help you achieve your coverage goals.
- Off-Exchange ACA: For Individuals that are not eligible for cost reduction these plans may offer better coverage options that the limited network plans available On-Exchange.
Individual / Family Coverage Options for Self-Employed Individuals
- Sole Proprietor (Group Coverage): Same types of Plans and Coverages available to Employers / Groups including National Networks of Providers.
- Individual On-Exchange
- Individual Off-Exchange
- Sole Proprietor
- Small Group
- Large Group
- Life Insurance
- Disability Insurance
- Dental Insurance
- Vision Insurance
Seniors
Transitioning to Medicare and understanding your Coverage options and restrictions can be one of the most important decisions seniors can make.
Upon becoming eligible for Medicare, seniors have a one-time window to qualify for certain products without having to go through an underwriting or approval process.
Our Medicare Supplemental Coverage Experts will guide you through the pros and cons of your two main coverage options.
- Medicare Supplements: Ideal for individuals who desire a national network of physicians, facilities and Hospitals, dual residents & individuals concerned about having access to the best skilled nursing options available.
- Medicare Advantage: Best suited for low-income seniors or those with Chronic conditions, these plans offer low to no cost monthly premiums but members are required to use a Network or participating providers which can be a challenge.
Group / Employer Sponsored Plans
Today’s Employers have more coverage options and compliance requirements than ever before.
Solutions not Products: Our process helps our employer clients create employee benefit plans and strategies to help attract and retain the types of employees that will take your business to the next level.
- ACA-Fully Insured: For groups with some health risk in their group (unhealthy employees or dependents). These plans will be the most expensive of the options available but offer significantly better coverage than options available “On-Exchange”.
- Level-Funded: For healthier groups these plans will generally require Underwriting through health questionnaires but for qualifying groups significant savings and better coverages can be available. Including return of unearned premium dollars.
- Self-Funded: For larger & healthy employers these plans offer the greatest amount of savings, customization, and control over your employee benefits plan designs.
Group / Employer Sponsored Plans
Today’s Employers have more coverage options and compliance requirements than ever before.
We offer solutions, not products. Our process helps our employer clients create employee benefit plans and strategies to help attract and retain the types of employees that will take your business to the next level.
- ACA-Fully Insured: For groups with some health risk in their group (unhealthy employees or dependents). These plans will be the most expensive of the options available but offer significantly better coverage than options available “On-Exchange”.
- Level-Funded: For healthier groups these plans will generally require Underwriting through health questionnaires but for qualifying groups significant savings and better coverages can be available. Including return of unearned premium dollars.
- Self-Funded: For larger & healthy employers these plans offer the greatest amount of savings, customization, and control over your employee benefits plan designs.
Why Choose Benefinder?
Our Differentiators
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Experience and Resources
As a General Agency in our 40th year of service, we have experience and resources simply not available from a typical Health Insurance Agent.
One-Stop-Shop
We actively work in all Health Insurance Markets, making us a “One Stop Shop” for our customers regardless of their stage of life / health insurance needs.
Secure Open Enrollments
For our employer clients we offer secure open enrollments through our BeneFinder Ready payroll platform – we do not expose our client’s data through the use of 3rd party systems.
Our Experts Reduce the Burden
Our Team of Benefits experts reduce the labor and compliance burdens of Benefits Administration for our clients, so they can focus organizational growth and avoid costly mistakes.
Why BeneFinder Insurance?
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Accent heading
Why BeneFinder Insurance?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Experience and Resources
As a General Agency in our 40th year of service, we have experience and resources simply not available from a typical Health Insurance Agent.
One-Stop-Shop
We actively work in all Health Insurance Markets, making us a “One Stop Shop” for our customers regardless of their stage of life / health insurance needs.
Secure Open Enrollments
For our employer clients we offer secure open enrollments through our BeneFinder Ready payroll platform – we do not expose our client’s data through the use of 3rd party systems.
Streamlined Solutions
Our Team of Benefits experts reduce the labor and compliance burdens of Benefits Administration for our clients, so they can focus organizational growth and avoid costly mistakes.
Accent heading
Why BeneFinder Insurance?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Experience and Resources
As a General Agency in our 40th year of service, we have experience and resources simply not available from a typical Health Insurance Agent.
Secure Open Enrollments
For our employer clients we offer secure open enrollments through our BeneFinder Ready payroll platform – we do not expose our client’s data through the use of 3rd party systems.
One-Stop-Shop
We actively work in all Health Insurance Markets, making us a “One Stop Shop” for our customers regardless of their stage of life / health insurance needs.
Streamlined Solutions
Our Team of Benefits experts reduce the labor and compliance burdens of Benefits Administration for our clients, so they can focus organizational growth and avoid costly mistakes.
Insurance Gurus
Why BeneFinder Insurance?
Let our experts take care of your health insurance needs so you can focus on what matters.
Experience and Resources
As a General Agency in our 40th year of service, we have experience and resources simply not available from a typical Health Insurance Agent.Secure Open Enrollments
For our employer clients we offer secure open enrollments through our BeneFinder Ready payroll platform – we do not expose our client’s data through the use of 3rd party systems.One-Stop-Shop
We actively work in all Health Insurance Markets, making us a “One-Stop-Shop” for our customers regardless of their stage of life / health insurance needs.Streamlined Solutions
Our Team of Benefits experts reduce the labor and compliance burdens of Benefits Administration for our clients, so they can focus on organizational growth and avoid costly mistakes.
