Employer Groups Frequently Asked Questions

How long have you been in business?

The Corporation was established in 1988.  However, the agency was operating as a sole proprietorship since 1986.

How much experience do you have in your business?

I am a Health Care Attorney, a former Certified Health Care Risk Manager, Life Health and General Lines Agent.  I have been involved as Attorney for Insurance Carriers General Counsel for Carriers, and/or Agent since 1982.  I have dealt in one capacity or another with all local carriers and many national carriers as well as the State and Federal agencies that regulate them.  Mini-Bio is attached.

My wife and partner, Ana M. Berenguer has been in the industry since 1989.  She has served as VP for Government Contracts (Medicaid and Medicare), Marketing Director, Compliance Office, and/or Corporate Office for   several HMOs and/or Insurance Carriers.

We have worked with most of the executives at the Health Insurance Carriers within your geographic service areas.

What types of accounts do you service?

We service mid to large employer groups.  Though we do have a few smaller groups, we specialize in groups with 50+ employees.  We offer them Health, Life, Disability, Dental, Vision… employee benefit plans.

What types of licenses do you hold?

I am a member of the Florida Bar since 1982, I am a former State of Florida Certified Health Care Risk Manager, and am licensed by the Florida Department of Insurance to transact Health Life and General Lines of Insurance.

Have there been any lawsuits against you or your firm?  If so, how many and what type?

There have been no lawsuits filed against our agency, nor against my person as either attorney or insurance agent.  We do carry E & O coverage.

What types of services do you provide?  Dedicated customer service personnel, 800 number, etc?  What are your firm’s standard services?

We become a part of you HR Department and at the same time become part of the Carrier’s customer service department.

 We assist you with yearly open enrollment, periodic benefits education, and take part in the orientation of new employees.  This is done by scheduling benefits orientation usually quarterly for employers with 90 day probationary periods and more often for employers with shorter probationary periods.

We handle enrollment and termination of employees, billing issues, and represent your employees with problems complaints and grievances.  We will represent them with complaints filed with the Dept. of Insurance or the Agency for Health Care Administration.   We will not, owever, file suit or arbitrate with a Carrier. This would make us pariahs to the Carriers and ineffective agents for our employer groups (We will provide list of competent attorneys in field.).

Our toll free number is 1-800-422-1143.

What is your total number of clients?

We represent more than 100 employer groups.

Who are you preferred brokers for?

We work with all of the carriers in your geographic service areas,  we obtain quotes from all and will place you with the carrier of your choice.  Our position is that we represent the client, and will place the client with the carrier of its choice. The client makes the decision.

We work and have business with all of the carriers, but we do not make the decision, the clients do.

How did you become a preferred broker for them?

All of the carriers grant preferred status as a result of volume production.  This is the case with all carriers.  We have a good working relationship with all carriers and, more importantly, with their regulators.