Now, in addition to being a practical necessity, medical insurance is a legal necessity. Part of the Patient Protection and Affordable Care Act, or ObamaCare, requires individuals have medical insurance. ENV Insurance can assist you in navigating the federal and/or state health care marketplace, finding the policy best for your individual needs.
Medical insurance is complicated. A comprehensive, in-depth knowledge of medical insurance is necessary to find a policy right for you. Trying to find a medical insurance policy without professional assistance could leave you overinsured or underinsured. It’s vital that you have satisfactory medical insurance coverage so you can receive the care you need.
ENV Insurance has experienced over 25 years of fluctuating medical insurance changes, and has confidently and professionally comprehended and adapted to all changes. With a very low employee turnover rate since our founding, you’re assured that our medical insurance independent agents are more than capable of helping you find an affordable, forward thinking, comprehensive medical insurance plan.
No medical insurance coverage is one-size-fits-all. There are many factors that may make one policy better for one individual, and a bad match for another person. ENV Insurance independent agents realize this, and will be attentive and responsive to your unique needs to help find the right coverage options for you. Our personal and professional independent agents will treat you like a person, respecting and recognizing your individual circumstances to find you adequate and affordable coverage.
With recent major changes in health care regulations, now it’s especially important that you fully understand your medical insurance. Partnering with ENV Insurance provides a confidence that you’re getting the coverage you need at an affordable price.
Contact an ENV Insurance independent agent today to make sure you get an appropriate medical insurance policy.
Comparing medical benefits can be confusing. ENV's health insurance professionals can answer all your questions regarding benefit comparisons and create detailed comparison materials that will ease the difficulties of your decision making process.
ENV will analyze all quotes obtained from our top insurance carriers and condense them into a single detailed spreadsheet to compare the pros and cons of each carrier. We will also produce a financial report to see what possible savings may be realized. These spreadsheets help our clients and prospects decide which plan is best suited for their company and employees.
Our ENV employee benefit consultants are very knowledgeable and experienced in negotiating the best possible medical rates. The large volumes of health insurance business we bring to our carriers enables us to get the best possible rate negotiations. Our goal is to make our carriers justify their renewals, and most of the time we are successful in doing so.
ENV offers assistance during your enrollment cycle. This includes: developing plan design alternatives, setting contributions, communicating with your employees and conducting your Employee Benefit Enrollment meetings.
Employee satisfaction has been directly linked to good communication material and presentations about their employee benefit plans.
Studies show that the better employees understand their benefits, the more satisfied they are!
ENV offers a variety of support to help you through your open enrollment process including:
Contact ENV's Employee Benefits Professionals to plan your next Employee Benefit Enrollment Meeting.
Employee Benefit Enrollment meetings are an opportunity to educate your employees about your benefits program and inform them about any upcoming changes for the following plan year. It is important to establish clear communication about your employee benefits options and ensure that your employee's are knowledgeable and satisfied with their employee benefit plan options.
An attractive benefits package won’t retain employees if they don’t fully understand the benefits being offered. Our agency can deliver the resources you need to effectively communicate with your employees about benefits enrollment. Tackle your mounting employee communication concerns with customizable benefits announcements, employee newsletters and presentations.
Employers that sponsor HDHPs should review their plan’s cost-sharing limits (minimum deductibles and maximum out-of-pocket expense limit) when preparing for the 2023 plan year. Also, employers that allow employees to make pre-tax HSA contributions should update their plan communications for the increased contribution limits.