Texas group health insurance and "Economies
of Scale" internet
technology has greatly changed the dynamics of buying power for employers of all
sizes. This is especially true when securing affordable health insurance
coverage for groups of employees. Whether you are an employer or human
resource director, choosing affordable coverage from your local resource (agent)
has become difficult at best. Now you can have access to professionally licensed
consultants and health insurance professionals with national clout.
Texas-Health-Insurance-Online.com has teamed with AIM Administration, Inc. to
bring you the national volume of buying power for group health insurance.
Both companies span across the country providing coverage for thousands of
insured's (references available upon request).
simply visiting with us today, you have the power of a national
health insurance agency and COBRA administrator teaming together to deliver you
economies of scale that results in lower group health insurance pricing
(even with your current carrier) while increasing your
benefit coverage. In most cases, we will be able to
lower your costs and or improve your benefits with little to no effort on your
part. Or, you may request a group health insurance quote
Know the health
conditions of your group. The more medical information you
gather such as medical records, current prognosis, current
medications, planned treatments, pending procedures, etc, will
greatly aid you in obtaining favorable rates. We apply this
highly effective principle for you. We lay out a complete
medical snap shot of your group medical demographics to an
underwriter. The more homework done the better an underwriter
feels about releasing competitive rates!
tax deductions you can gain as an employer to help offset your
tax quarterly payments for the Internal Revenue Service and
State taxes. Getting a competitive rate is good to do. But you
can take various tax incentives to your accountant for deeper
discounts in your outlay! We can discuss these savings with you
and be sure to ask us about the federal program tax
incentive called HRA
(Healthcare reimbursement account).
advantage of Flex Spending Account and an HRA account
combination. These are
deeper discounts that can be applied towards employee and
employer alike. In some cases we can set up for you at no charge!
Ask us to apply
your company with a minimum of two insurance companies at
the same time. This highly effective method encourages market
competition among the insurance carriers for your business. Having a good relationship with
underwriters! It only takes a matter of minutes
for your employees to complete a 2nd application and
it saves you quite a bit in insurance premiums. Put yourself in
a bidding war. The carrier that makes the best offer wins!
implementing new “employer sponsored” programs that are
available and becoming very popular in the market. We show you
new trends of what similar employers are offering for benefits
in your particular industry. We also monitor up to
date incentives approved by state and federal government.
There are many options and strategies that an employer can
elect at affordable rates. We can make recommendations on a
case scenario for you. Example may be adding dental to offset
of pay raise pressures. The dental premiums are 100% tax
deductible and will not cause you a increase in your payroll tax
like a pay raise would.