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For Insurance Purposes: |
Whether you are looking for fully insured group benefits, self insured plans, payroll deduction programs, or 401k profit sharing plans, we have access to a wide variety of options. More importantly, we have the expertise and the experience to negotiate the most competitive rates available and to assist you in choosing coverage that fits both the employer’s and the employee’s needs.
Why Should I Use a Professional Insurance Advisor?
How Does an Advisor Get Compensated?
What Should I Expect From an Insurance Advisor?
Why Should R.L. Evans Company Be My Advisor?
Why Should I Use a Professional Insurance Advisor?
Whether your health insurance advisor is an agent or a broker, they are a critical link between you, the consumer, and the insurance companies. They provide and service insurance products while educating and advising you on how to manage risk and make informed insurance choices.
Increasing health care costs and new legislative rules make the advisor role increasingly important to individuals and businesses in analyzing cost-savings measures and coverage options.
How Does an Advisor Get Compensated?
Health insurance advisors are normally compensated on a commission basis- a percentage of the premiums you pay your insurance company. The rates that you pay are the same, regardless of whether you are represented by an advisor or you purchase the insurance directly from an insurance company.
Large employers, generally those with several hundred employees, will sometimes compensate their advisors directly on a fee basis. This is more common when the employer self-insures their health insurance programs.
What Should I Expect From an Insurance Advisor?
Your agent or broker will generally guide you through the complex task of choosing appropriate coverage at an affordable cost. Use this check list to evaluate you current advisor.
Your insurance advisor should:
- Work with you to evaluate your needs for health insurance coverage.
- Explain the details of different health plans and provide cost indexes.
- Make specific recommendations and tailor plans to suit your special needs and budgets.
- Review your plans periodically to update coverage and to make sure that rates are the lowest available.
- Serve as your advocate and advisor in dealing with insurance companies, doctors, hospitals, and government agencies involving claims, services and regulations.
- Help you as a business owner to communicate benefits packages to employees and demonstrate how various provisions can compliment personal financial plans.
- Provide information on an ongoing basis regarding legislative activity and changes that are occurring in the community that may impact your health programs.
Why Should R.L. Evans Company Be My Advisor?
Independent Brokerage for Over 35 Years
Our distinguished experience and innovative ideas have made the R.L. Evans Company one of the leading insurance brokerages in the Pacific Northwest. As an independent brokerage not only do we represent your interest but we also have access to the myriad of insurance programs that are available.
Your Claims Advocate
As your representative, we work on your behalf to resolve claim or contract issues should they develop with an insurance carrier. In fact, most of the major insurance companies have assigned claims processors directly to our firm so that we can get answers quickly when called upon.
Information on Regulations & Rules
Laws like COBRA, OBRA, TEFRA, HIPAA, FMLA and the Washington State Health Care Reform Act can by quite confusing. Our trained professionals regularly attend seminars to learn about current and impending rules on both a federal and state level. This information is passed on to our clients in our quarterly newsletter or during our periodic meetings. We also have access to reference material covering almost every aspect of the employee benefits field and can provide information on specific topics to our clients at their request.
Commitment
As your broker, we continually monitor the insurance plans that are available to make certain that the programs that we recommend are the most sound, cost effective choices available. We are committed to making sure that our clients have the best plans available, for the lowest cost, from reputable companies.
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Plaza 600 Building : 600 Stewart Street : Suite 1210 : Seattle, WA 98101
Telephone 206.448.7878 : Facsimile 206.448.3589
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