Health Insurance
Health Insurance Services
At JBCo Health it is our goal to the gain the trust of each our clients through full transparency, while exhibiting a genuine care and respect for their time and money. Whether you are looking to insure the health of your own family, or looking out for the future livelihood of your employees and their families, JBCo Health will walk with you to find the best approach to securing a value based solution.
For Individuals & Families
Individual/Family health insurance policies cost, on average, 1/3 less than employer paid group health plans. And, 80% of all individually underwritten health plans get approved without being rated up or excluding any pre-existing conditions. We know that the high number of uninsured Americans isn’t due to the consumer’s inability to make smart financial decisions. We believe it is due to the lack of information and knowledge available to the consumer when having to make smart financial decisions. JBCo Health is dedicated to providing this information and knowledge to all consumers (uninsured, unemployed, on COBRA, and even on group coverage) Whether you are healthy, have pre-existing conditions, or you have been told that you are uninsurable; JBCo Health’s annual health care cost analysis tool will demonstrate the bottom line cost of each coverage option available, providing you with all the necessary resources to make ongoing informed decisions associated with your health care.
For Small Business Owners and Entrepreneurs
27 million of the 46 million uninsured in the U.S. are small business owners, their employees, or their dependents. The conventional approach to group coverage has plagued the small business community for decades as insurance companies, insurance agents, and government reform continually fail to offer real, cost saving solutions. The JBCo Health Team has focused a significant portion of their agenda to becoming part of the solution to one of the nation’s largest concerns. In fact, after dedicating countless hours to researching to find that a solution has existed all along, it is quite offensive that the problem become the tragedy that it is today. Through the utilization of traditional health insurance markets combined with value based plan design, JBCo Health can show your company how to save $1000 to $5000 per employee per year.
For Large Businesses
The large group health insurance arena provides a little more room for flexibility with plan design. More people covered equals more leverage when shopping the market. Nevertheless, large group rates have still seen rapid increases over the past several years. JBCo Health will help you evaluate your organization’s approach and philosophy to benefits plan administration and culture to find areas of change to initiate a long term approach to making a difference in the rising costs.
For Government Contractors
Sticking to the original JBCo agency philosophy we went out and found a niche market to focus our large group business efforts and energy onto. Although our focus is on Government Contractors, our innovative health care market solutions are not exclusively limited to Gov/Cons. See plan details below.
Our plan empowers you to:
- Utilize the entire $3.24 H&W rate for your HOURLY workers.
- Increase your profitability by putting none of the H&W into a paycheck (payroll burden).
- Minimize administration, compliance is built-in through the hourly premium, IRS and DOL approved, audit-ready.
- Provide benefits to the entire family; guaranteed issue, regardless of pre-existing conditions.
- Plan also includes an individually allocated HRA card, workers build up cash.
- Plan is through Transamerica, one of the most reputable "A-list" carriers.
