Group and Individual Health

Kohlhase Benefits

We provide Group, Dental, Supplemental and Individual Health Benefits as well as retirement solutions such as Medicare Supplements, Part D, and Long Term Care.

To receive specific information concerning any of these products please call Luke at 480-832-8370 or contact by email at Luke@kohlhaseins.com.

Group Benefits

Why Kohlhase Insurance instead of some other agent or broker?

Experience: I have been in the industry for 10 years. Before I became an agent I worked with approximately 450 agents as a marketing rep for one of the largest health insurance providers in the country. This experience gave me an insight into how pricing is managed as well as effective ways to get claims paid etc. When I became an agent I was able to take the best practices of the agencies I had been working with to improve the overall experience of my clients. These experiences can benefit our clientele financially as well as making the day-to-day management of benefits run as efficiently as possible.

Our Tailored System of Service

Full Service

We can handle some or all of your insurance needs reducing the amount of time you spend calling on, shopping for and generally worrying about insurance.

Agency Services: Group Health, Voluntary, Supplemental, Dental, Life, Commercial, P&C, and Personal Financial Services

Brokerage

We can do the shopping for you. You are an expert in your field and we are experts in ours. Let our expertise take the burden off your shoulders. Our goal is to educate you about insurance so you can make informed, smart decisions for your company, through the companies we represent.

Why Employers Provide Benefits?

1. Employees Request.

    92% of employees report that Medical benefits are the most important issue when considering an employers benefit plan.
2. Can be used as a marketing tool to attract top quality staff.
3. Improve Employee Retention.
    Saves hiring and retraining cost.
    “65% of employees state that benefits are an important reason for staying with their employer.”
4. Preventative benefits can reduce sick days.
5. Protects employees from their number one financial liability, bankruptcy due to unexpected medical bills.
    “The number one cause of bankruptcy in the U.S. is unexpected medical expenses.”
     Many employees think their medical benefits will be paid for even if they don’t have health coverage.
    “The number one concern of 71% of all employees is having enough money to pay bills during a period of income loss.”

Why Employers Don’t Provide Benefits?

1. Cost.
    With a combination of health and voluntary benefits almost any employer can offer a benefit package that will meet the needs of his/her staff.
2. Don’t understand how easy it is to provide benefits.
3. Don’t understand what the benefits can or will do for them.
     “Only 40% of employees understand which employee benefits offerings best meet their needs.”
     “Almost half (42%) of all employees would like their employer to provide them with access to a financial planner…”

What are the steps if I want to add or change benefits?

Action Planning
How To Go From A to Benefits

1. Initial meeting, find out what we want (budget, plan, carriers, go over employee census, participation, & voluntary additions).
    50% employee participation.
     75% "eligible" participation.
     50% owner contribution to lowest plan.
2. Fax completed employee census back to Luke by Date:________________.
3. Approx 1 week later set second apt. to communicate numbers, carriers, and plan designs/choose plan.
4. Have employees fill out company specific health questionnaires.
    Option 1: Employee meeting 30min.
    Option 2: Hand out and have employees return 1-2 weeks.
5. Receive final rates from underwriting.
6. Give the carrier the go ahead and send in any missing documentation.
7. 1 week later have employee meeting and go over details of how to take advantage plan benefits and the benefit their employer is providing.
     Only 29% of employees 21-30 understand which benefits options best meet their needs.

To receive a free medical quote from multiple carriers please call 480-832-8370 and ask for Luke or send an email to Luke@kohlhaseins.com