Blue Star Benefits Insurance Services
Developmental Sessions – As your relationship grows with Blue Star Benefits we want to encourage you to expand your book of business. We have regularly scheduled seminars which target health insurance sales as well as non-health lines of coverage that can help build your relationship with your clients. Feel free to attend as many times as you would like as refresher courses. E-mail Joanne Brown to find out the next available session.
Individual Quoting – Joanne to expand
Group Quoting – Group rates are based on several factors including industry and location of the group as well as the ages and gender of its employees. Therefore there are not “book” or “published” rates for group benefits.
In order for us to provide you with proposals, we need you to complete a census (like the one on page__). You can create your own census, but it needs to include everything that is on ours. Once you have completed the census, please fax or e-mail it to Alisa Heller. She will then send you the proposals for review. The turnaround time for quotes back is approximately 48 hours.
Don’t know what carriers or products to quote? No problem. Based on the information that you provide, Alisa will determine the best suitable carriers for your client.
Group Support – After a group has been written, you are the liaison between your client and the carrier for servicing. Whether your client has a billing issue, claims issue or questions about their plan, Amy Zeller can assist you with the answers. Servicing also includes adding and terminating employees on a group policy, agent of record letters and renewals.
Group Renewals –One of your biggest responsibilities of being an agent to a group is consulting with them at renewal. Groups renew on a policy-year basis. The carriers release a renewal packet to Blue Star Benefits approximately 60 days prior to the anniversary date. As soon as they are released, Amy will send it to you with an explanation as to what the increase may be attributed by and she will offer you suggestions.
This is an ideal time to touch base with your client and make sure that their coverage is still meeting their current needs. You may find out that there is a medical condition within the group that may be costing a large out-of-pocket amount so they need a lower deductible. Or the cash flow of the business is not what it was last year so they need cheaper plan options. Just let Amy know and she will provide you with alternates within their current carrier as well as quotes from other carriers. Renewal is also open enrollment so you can add employees &/or dependents who previously waived coverage.
List Bill – Employers can opt to offer employees &/or dependents individual plans and then receive the bill for all employees. The employer can pay for these premiums pre-tax. However the employer cannot pay for any portion of the premium. Ideal candidates for list bill include employees of groups who do not subsidize any or much of the premium for dependents.
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