Group Health

       

For years, The Policy Warehouse has been helping small business's In Chicago find the best health insurance plans. By providing free health insurance quotes we're able to quickly determine your best options. We've seen health insurance trends come and go, and we've watched insurance companies rise and fall.  We've developed some time-tested perspectives on the group health insurance marketplace.

The Policy Warehouse provides our customers full access to our health insurance support and we adjust our services to meet the unique needs of each client. Whether you need free health insurance quotes or help with mundane matters such as assisting with a claim or enrolling a new employee, we'll be there for you.

Can there be any doubt that health care pricing has been warped by insurance benefits that insulate consumers from the cost consequences of their health care decisions?  For some insight, consider the cost of laser eye surgery. In 1998 the normal cost of laser surgery was about $2200 per eye.  Now it's close to $1350.  It's no coincidence that this procedure is rarely covered by health insurance.  Laser eye surgery is one of few health procedures sold in a free market with price advertising and consumer-driven purchases Free markets aren't effective unless informed consumers have a financial stake in their decisions.  That's what Consumer Directed Health Care (CDHC) is about.  Health Savings Accounts (HSAs) empower the health care consumer. We've seen consumer-driven plans in action.  The employer saves money, and the vast majority of employees experience a net financial improvement.  Often the toughest part of switching to a CDHC plan is overcoming employee skepticism.  A little education can help, and we can assist with that.

On the other hand, high deductible CDHC plans may not fit with your organization's current circumstance.  Perhaps you simply need to provide the most generous benefits at the most reasonable price.  We do that too.

Too many sales-driven insurance brokers put a low priority on group application paperwork, relying on the insurance company staffs to get things reconciled.  That's a mistake in the small group health insurance business.

Our approach is to focus on the administrative details and avoid mistakes -- helping our clients achieve:

ý     Fastest possible approval of group applications

ý     Lowest possible underwritten rates

ý     Minimized administrative problems

Accurate upfront paperwork is KEY.  When there are errors in the initial plan setup, bad consequences tend to linger in bureaucratic health insurance companies.

If you're interested in working with us, give us a call, send us an email, or use our Small Group Quote Request Form.