Steps to check if your medical and employee benefit broker has an insurance license

  Below I will describe how to check if your insurance broker is licensed in CA. In every state the process is very similar. As a consumer it is not your responsibility to check the creditability of your insurance broker, however I would urge you do so that you do not end up with the wrong insurance policy in the future. Step One: For CA employers, search by license number. If you would prefer you can search by the insurance broker’s name. Step two: Once you find your insurance broker’s name it is important that you verify that their license is “Active.” If their license is “Active” at least you know that your broker is current with the state continuing education and should be familiar with all of the products they are recommending. Tip: If the insurance company that your broker is recommending is not on the list of “Insurance Company Appointments” then it is likely your broker is selling you an insurance policy for that company for the first time. However, if your insurance broker works for an insurance agency then it is likely that the insurance policy will be placed under the managing broker. If you ever want to confirm who your broker is on your insurance policy, call the broker and ask to see the Master Application for any group insurance benefits (medical, dental, vision, life and disability insurance). For individual insurance plans many times there is a broker attestation or broker details section that clearly identifies who was the writing broker or broker of record for your insurance policy. If you are ever unsatisfied with your current insurance broker and...

Alternatives to Zenefits

  As many small businesses in CA and across the country look for alternate options to Zenefits it will be important to consider the benefits of the various benefit enrollment systems and brokerages available in the marketplace. There are over two hundred benefit enrollment systems available. How does an employer go through making the right decision as they consider alternate options?   Personal customer service should be number one. As many employers know, keeping employees happy is the key to company success. As HR professionals it is pertinent that you align yourself with an insurance brokerage that understands your immediate needs and is able to consistently deliver on what is most important to your company culture. Free does not translate to significant value. As an insurance broker in CA all small group medical and vision insurance rates are the same. However, dental, life and disability insurance rates are not. It is important you have a broker on your side that is getting customized quotes for you vs just selling you book rates. As you may know, all of the dental rates Zenefits is selling on their website at first glance are book rates. Those rates are about 15-25% more than the rest of the marketplace. Technology should support customer relationships, not define them. When you have a personal relationship with a broker the communication of policy information and support reaches new levels. When you have an insurance business that operates from off-site call centers, staffed by employees with no familiarity of the local insurance community it is almost impossible to bring the level of customer service to superior level....