Z E R O  P O I N T  E M P L O Y E E  B E N E F I T S

AS OF OCTOBER 1ST, 2009 ALL GROUP CLIENTS WILL RECEIVE 2 HOURS PER MONTH OF HR CONSULTING AT NO COST as an added benefit of being with our firm.  We have partnered with ThinkHR and you will have access to their HR Hotline to speak to an HR professional.  Check your email for more details...or call us.

To access the ThinkHR service click here.  If you are a client of Rich Insurance Services you have already been approved access.   Check your email for instructions.

Since 1953 the Rich family has been designing innovative plans and strategies for the insurance marketplace.   Today, Rich Insurance Services is on the leading edge of group health insurance plan design and strategic implementation.   Our new clients save a median of 20% over their previous group health insurance situation.  (In some cases this savings exceeds 20%.)  We do this by utilizing techniques and experience that most of the brokerage community does not possess.   Today's health insurance marketplace is very competitive and in order to stay ahead of the competition, we need to be more informed, more creative, and more efficient. 

…sincere appreciation for everything you have done for me over the years…once in a while you wake up and realize that someone is looking out for you with good intentions…gone out of your way on more than one occasion…you are a professional and know your business…truly respect you for your honesty and upfront evaluation…rarely provide these kinds of kudos to anyone associated with the insurance industry.

--Steve C.
Valve Manufacturers, Alameda County
 

What We Do

Being a highly specialized group health insurance brokerage, we provide turn key programs that are designed to cut the carriers profit by up to 90% and put it back into the employer's pocket.  We can do this with Kaiser plans as well as non-Kaiser plans using tried and true protocols and systems.    In most cases we can go down to 25 employees and sometimes even 10 employees.   Call us with your particular situation.

How We Do This

We use the latest and most cost effective strategies that the very largest and well resourced companies use.  With our experience we can provide you with a turn key program that will help solve your rising health care costs.   These are some of the tools we use...

• Partial Self Funding with deductibles from 3k to 150k per employee
  
• Health Reimbursement Arrangements
  
• IRC Section 105 Medical Reimbursement Plans
• Health Savings Accounts
• Hybrid Plans
• Innovative Risk Management Techniques and Protocols
• Micromanagement of Claims
• Proactive and Successful Corporate Wellness plans

Every company has a different situation and we can recommend a strategy that makes the most sense for your company.

We have been working with you, for over 10 years, acquiring and managing our Health Care Insurance needs.  Your professional knowledge and persistent follow up on our behalf has been most appreciated.
 
This year, we are especially pleased with your efforts in finding a way to reduce our Health Insurance Costs. We know how difficult that is with what is going on, in not only this industry, but the economy as a whole. Even for our small group, health insurance is an important part of our cost reduction efforts, keeping in mind our desire to do the best we can for our employees too.
 
On behalf of our management team, I extend our thanks for a job well done.

Jay-Controller--Amusement Park Industry

Call Us Today!

One of the psychological problems in the group health insurance business is that many employers have been with the same brokerage for a long time.  Usually this is because they like the person and have built a level of trust...but...

...When is the last time you got a second opinion?

You see, it's easy to trust someone you like.  And more often than not, your current broker is an honest, hard working, individual who feels like they are doing the best they can for you.

BUT, what else is out there that they may not know about or know how to implement?  What is that costing you?  

Call us for a SECOND OPINION.  You owe to yourself and your employees, not your broker.

Please call.  We want to help.

 1-800-338-8588

Your successful and prompt intervention is the hallmark of excellent service and what I have come to expect from you over the years…

Greg F.

High Tech Consulting Firm, Silicon Valley