Frequently Asked Questions

Don't all brokers get the same quotes from the same carriers?
In general, yes. However, once we receive the quote from the carriers we complete our plan design analysis. The design of the plan deductible, coinsurance, copays, and other features can have a substantial impact on the cost of the plan. PeopleManage Pro is different in our approach to developing a proposal. Many brokers simply compile the plan options from the 3-4 major carriers and present a spreadsheet to their client. At PeopleManage Pro, we actually present analysis of how your employees use their plan along with the best possible options. This insures the money being spent on the health plan is providing a benefit to the greatest number of employees. So, although all brokers do receive the same quotes from the same carriers, what they do with those quotes after they are received can be different.
 
What makes you different from other brokers?
PeopleManage Pro is substantially different from other brokers. We are a full service plan design and brokerage house with focus on service and savings. PeopleManage Pro is focused on reducing costs to the employer and reducing out of pocket expenses to the employee. We do this by providing innovative plan design and world-class service. Through our ongoing education seminar's, we work diligently to educate your employees about their health benefit plan. Since a simple mistake can often lead to thousands of dollars in out of pocket expenses, we schedule regular meetings at your office to teach your employees how to avoid the most common mistakes people make. PeopleManage Pro is also providing the world's most innovative eHealth suite with our In-House Clinic, Digital Record Storage, and House Call Service with focus on productivity and convenience. Employees will appreciate the increased access to medical professionals and are much more likely to participate in annual physicals or wellness exams. In summary, PeopleManage Pro is engaged in the business of cost savings.
 
How do I make an educated decision about the health care plan for my company?
The best way to make an informed decision about your health care plan is to visit face to face with a PeopleManage Pro consultant. Let our staff of highly trained and professional consultants help you see some options that may not have been previously presented to you. Let us show you cost savings that you never thought possible. Let us show you how your employees can reduce their out of pocket expenses. Whether or not we do business together, we are certain you will have learned something new after visiting with us.
 
How can I get an accurate quote without filling out applications?
Depending on your specific situation, you may be able to receive an accurate quote from a carrier without filling out individual applications. In fact, several major carriers, including UnitedHeathcare and Humana will now provide quotations to small groups (under 100 employees) based on the results of information available (Texas Only) under the House Bill 2015 regulations. Blue Cross Blue Shield of Texas will also provide an accurate quote as long as the business owner or director fills out a questionnaire pertaining to his or her knowledge of the group as a whole. Does anyone in your group have cancer? Has anyone in your group been hospitalized in the past three years? By answering the questionnaire to the best of your ability, BCBS Texas will provide an accurate quote for your group.
 
Can I discriminate between employees I offer insurance to?
In general, you cannot discriminate between employees. However, several options exist. Depending on your group size, you may be able to start a management carve out plan. In this scenario, employees defined as management receive access to the company's health plan while employees not defined as management are excluded from eligibility. Plans may also be designed to allow particular classes of employees access to different benefits. For example, management and admin may have access to the lowest deductible plan, while sales and factory workers have access only to a higher deductible plan. You may also have a plan that provides workers willing to take their health risk assessment or wellness check-up access to the best possible plan, while workers who refuse to take their health risk assessment are automatically placed in the least beneficial plan.
 
If you would like access to our eBook with additional questions and answers, click the link here.
 
Also, if you would like to submit a question for one of our consultants, click the email link here.