Breaking Into The group Insurance Market

Group Insurance

Breaking Into The Group Insurance Market

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Now more than ever, employers need an advocate to assist them in understanding how the Affordable Care Act (ACA) affects them, as changes to policies and procedures are guaranteed. That's where you come in! If you're looking to break into the Group Insurance market or are looking for support for your current book of business, Messer Financial Group is the perfect partner for you!

Reasons to sell group insurance

  1. Group plans can be sold all year long and are not regulated like the Marketplace.
  2. Group commissions are level and pay monthly as earned.
  3. Group is a great way to build a residual source of income.

How do I get started with selling group insurance?

  1. In every case, I would like to have a discussion with you and fine-tune what it is you’re looking for. A large percentage of Messer agents sell Medicare, Marketplace, and/or individual life insurance. If you fall into that category we can help you build a residual source of income. If you are an “All in Agent” interested in selling group insurance we have the ability to appoint you and assist as a back office.
  2. Complete and submit the group contract and call us today!

The Basics of Group Plans

Group Health

Coverage underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a Coinsurance requirement each employee must pay.

There are four fully-funded Medical Plans available and one Level Funded option:

PPO - Preferred Provider Organization
You are allowed to self-refer to any provider in the network. When using the in-network providers, the higher level benefit is received. This may be as much as 90% after the deductible. The benefit level for providers out of the network is typically 70% to 80%. Pre-authorization requirements must be met in or out of network. Providers in and out of network usually have a Doctor Office Copay
POS - Point of Service
Very similar to an HMO in-network plan. It uses a "gatekeeper" (Primary Care Physician or PCP) to refer cases to other in-network providers. Deductibles usually only apply to out-of-network care. Co-insurance is either 90% or 100% for in network providers. Services received out-of-network are typically paid at the 60% to 70% level. There are exceptions...typical an emergency while away from network providers or treatment required from specialists not available in-network
HMO - Health Maintenance Organization
The HMO uses a Primary Care Physician to direct all health care. No benefits are available outside of the provider network except when there is an emergency. HMO plans focus on wellness and preventive medicine and is the highest level of managed care.
Indemnity Traditional Coverage
The insured individual is free to use the doctor, clinic, or hospital of their choice. Both a deductible and a co-insurance apply and there are normally no co-pays for doctor office visits.

Group Insurance Resources & Tools

Interested in working with us?

Or call us at 866-568-9649.

Main Office:
2401 Sardis Road North, Suite 110
Charlotte, NC 28227

Texas Office:
9441 Lyndon B. Johnson Fwy Suite 512
Dallas, TX 75243

Mississippi P&C Office:
180 Canal Place
Philadelphia, MS 39350

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