Affordable health insurance with top-notch service
Long before the Affordable Care Act and healthcare reform became hot topics, SCMSDC was offering affordable health insurance to minority business enterprises (MBEs) through its MBE Health Insurance Program.
Launched in 2003, the program provides MBEs affordable, high quality insurance benefits with top-notch service. Under the program, trained insurance professionals evaluate employers’ benefits needs and helping them determine which type of plan to go with, such as an HMO, EPO or PPO, as well as what costs to pay for coverage. They can also help companies decide what percentage of the premiums to pay, thus allowing them to remain within their budget.
“Our focus is on smaller employers – 100 employees or less, so we can give personal service and attention, including advising employers and employees as to whether specific providers are contracted with the plan(s) they are interested in. We assist employers with the analysis of plan options, implementation as well as renewals,” according to Helene Lederman, an affiliate insurance agent for SCMSDC.
She noted that all insurance rates are identical across the board in compliance with state law; therefore, the main factor in selecting the MBE Health Insurance Program is service.
“When insurance is purchased directly through an insurance company or exchange, you get a renewal notice in the mail and need to make decisions on your own. With our program, we do a lot of hand-holding and can convey plan benefits, offer assistance with claims, bring in representatives to answer questions if needed, and more.
The MBE Health Insurance Program includes all major California insurance carriers (Anthem Blue Cross, United Healthcare, Aetna, Health Net, Blue Shield, Kaiser, California Choice) and customize benefits that can be designed to meet a company’s objectives and budget. These include: medical benefits (HMO & PPO); dental benefits (DHMO & PPO); vision, short- and long-term disability; employee assistance, and life insurance.
Lederman says many MBEs are surprised the council offers a health insurance program, “but once they know about it and sign up, they tell us we’ve made their lives much easier.”
“The thing that I like the most is the personalized service,” says Destinee Ford, human resources Manager at Concourse Concessions, Inc., which operates a chain of retail and duty free stores in major airports across the nation. The company signed up for the program several years ago and currently has 26 employees enrolled.
“No matter what time of year it is, if I have a question, it is always addressed and answered. Helene and her staff have been great with getting me the things that I need, even if it is something that they do not handle directly,” Ford adds.
To enroll in the program, a business must be certified by SCMSDC. Enrollees must include at least one owner and a fulltime W-2 employee. For more information, contact Lederman at email@example.com.