Category Archives: Insurance Shopping

Articles about shopping for the best Insurance and rates in Medford, Ashland, Southern Oregon and the Rogue Valley Area

Five Reasons your Employees Need Group Health Benefits.

 Many employers shy away from the idea of providing group health insurance benefits to their employees, assuming it is too big of a company expense. However, there are many reasons why a business owner might consider offering a group plan and there are numerous advantages. Here are 5 reasons why small & large business owners would consider offering a group health insurance plan to their employees.

  1. Attract the best employees 

Needless to say; Offering health insurance benefits to your employees gives you a competitive advantage. It gives you the opportunity to enhance your office atmosphere and improve morale. Employees tend to be happier and more satisfied with their jobs when they are offered group insurance, as it creates a culture where employees do not have to stress about their insurance needs.

  1. Retention

Recruiting and retention are equally important. Replacing an employee can cost you almost half of your yearly salary. Many small employers cannot afford to have turnovers. Offering health insurance to your employees creates a sense of great value in your employment team and employees will consider the cons of dropping the opportunity of benefits through their employer.

  1. Business Owners Financial Gain

Employers gain tax advantages by having these group plans in place. Employers can deduct 100% of their employees’ health insurance costs, as a business expense. If your business is incorporated, your own insurance costs are also deductible.  Additionally, the amount your team pays toward their premiums is done on a pre-tax basis, which means that they have lower taxable payroll earnings, so your payroll taxes are lower.

  1. Employee Financial gain

Because employee’s premiums are deducted from their paycheck, pre-taxed, it lowers their overall taxable income. That being said, it gives employees control over their finances. You are also offering your employees group purchasing power. Even if you decide to only contribute the bare minimum toward your employees’ health insurance premium, you can offer them the opportunity to obtain group rates through your business, which is typically cheaper than the rate of individual & family plans.

  1. Happy community

Many health insurance companies focus on preventative care & improving the overall health of their beneficiaries. The health company you choose may improve the overall quality of life for your employees & their families. This acts as an investment to not only the employees, but to you & the community. Offering benefits to employees shows the demonstration that employers care about everyone’s happiness & long term health. There is a sense of comfort in knowing that you are taken care of, and that will ripple throughout your entire company.

There are many questions that may come up when reviewing health insurance options. The right agent can give you access to centralized details and resources, so that your whole team knows exactly where to go for help.

With the right guidance, you will be able to get your team a plan that custom fits exactly what they need. Call to schedule an appointment and get you & your team on the right track today!

Written by

Kelsie Beaudin

LIFE & HEALTH SPECIALIST FOCUS 1 INSURANCE

Focusing directly on the health & well-being of our community

541.772.3120

kelsie@focus1ins.com       

Happy 4th of July from Medford Oregon

When Things go BOOM in the Night – Fireworks Safety

 For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or away in Southern Oregon. 4th of July Medford, Ashland, Central Point, Eagle Point, Oregon, Portland

But for some families, the holiday is a nightmare. Homes each year in Oregon are damaged by wayward fireworks. Thousands of people are injured in accidents.  

At Focus1 Insurance Group Medford and Portland we want your holiday to be happy, but also safe. So here are some tips to help you protect yourself and your property on the Fourth. 

Protecting yourself (and others) Continue reading

Fight for your Rights….in Southern Oregon.

Do you know how to make sure you get a fair settlement or claim resolution with an insurance carrier?

Will your agent fight for you and your rights when your claim goes wrong?total loss, claims advice, claims help, Medford Oregon, Ashland, Central Point

Eli Clark at Focus1 Insurance Group has the tools and know how to help you and your friends get some straight talk and many times can help you come to a resolution.  As an ex-claims adjuster with experience handling business and personal lines claims, Eli can help existing clients as well as their friends and family make sure they get fair treatment on their claim.  Weather your dealing with a fire loss in Ashland, a total loss in Medford or an animal bite in Portland, Eli Clark and the professional staff at Focus1 Medford and Focus1 Portland are here to help.  Here are a few tips that Eli has found useful over the years:

The Oregon Department of Insurance is a fine website that can aid consumers through researching carriers and their complaint ratios.  Continue reading

The difference between captive and independent agents in Medford, Southern Oregon and Northwestern States

Independent Southern Oregon agents shop for the best insurance coverage and rates for their clients!

Choosing the right agent not only can make a difference in how much service you get and what kind of advice you get when you need it. There are two different kinds of insurance agents you should consider.

Independent insurance agents in Medford, OR.Captive agents are insurance agents who represent and write policies for just one insurance company. State Farm and Allstate are two common examples of insurance companies that only employ captive agents in the Southern Oregon Area. If the insurance carrier a captive agent works for has subsidiaries, the agent may be able to write policies for those subsidiaries as well, but they cannot write insurance policies for companies outside of their corporate umbrella.  Continue reading