Having Healty Health Insurance
HOW HEALTHY is your health insurance? This is a concern for many businesses that provide employee benefits. Not knowing where to turn for help can be overwhelming. Fortunately, Hilb, Rogal & Hobbs Company (HRH) of Gainesville is here to help with group health or any insurance issues.
As a national broker, HRH has a network of over 100 agencies, giving them the ability to access multiple markets on behalf of their clients. “The national presence means that HRH can find the right coverage for businesses and individuals,” said President James Karl. With national backing and the ability to be objective with their market knowledge, HRH has helped so many people that they have grown to be one of the largest independent brokerage firms in North Central Florida.
Health insurance costs are expected to increase at double digit levels through at least the year 2005. According to Assistant Vice President Mark Thompson, “Contributing factors include medical inflation, lifestyle choices, the aging population, defensive medicine, direct consumer advertising where specific prescription drugs are requested, and the rising costs of drugs. In addition, medical technology advances and over utilization come with price tags which are then passed on to consumers through higher premiums.
Employers are confronted with decisions concerning rising healthcare costs and the desire to provide benefits to their employees. The team at HRH understands these difficulties. “We ask the questions, discuss the concerns and provide the solutions,” says Mark Dukes of HRH. The results are a customized plan to meet the employer’s objective.
“We also help employers become aware of any new legislation so they will be knowledgeable in the multitude of compliance issues,” stresses Vice President Eric C. Parker. By developing strategic partnerships with different resources, they are able to bring the necessary communication tools to Human Resource personnel. HRH has a national network of employee benefits professionals exchanging ideas and solutions on a daily basis. They are able to bring new fresh ideas to help businesses of all sizes.
“As a national broker, we have the advantage of national market leverage which can benefit our clients with workable solutions,” emphasizes Parker.
It’s not unusual for an administrator or individual to get lost when calling a large health insurance company. “We hope they call us when they have a problem,” offers Assistant Vice President Jim Skiles, “that’s where we excel. HRH having direct access to the company personnel eliminates the time spent by employers and employees trying to solve service issues. As a result of the large volume of business we write and the long term relationships with companies we represent, we work together with our companies to minimize the time our clients spend on problems.”
Relationships are a key factor in the success of HRH. The organization receives many referrals from existing clients. People know when they are genuinely cared for. Vice President Gary Friedlander says that the care and service comes from their desire to do the work and meet the goals and objectives of each of their clients. “This is a critical part of a company being successful,” he states.
With over 100 years of combined experience, the team of HRH can be a fountain of knowledge for many. Since Friedlander, Skiles and Thompson have worked together since 1981; the extensive wisdom of experience is openly shared with one another, all in the best interest of their clients. This is a team that does not feel competitive with one another; instead they truly work toward the common good of all of their clients. They have carried this philosophy for many years and are able to bring a variety of ideas and solutions to the table.
“We are also pleased with our dedicated and experienced team of account managers who service the day to day telephone calls and e-mails for our clients,” said Friedlander. The people at HRH encourage clients to ask questions. Many times, a question that may seem difficult to an individual is something our account managers can readily answer because of their experience. In addition, HRH helps businesses by providing valuable communication to employees, so their healthcare plan can best be utilized in the most cost effective way. After meeting with the executive staff concerning group health insurance, open enrollment meetings are used to help employees understand the benefits of their healthcare plan. A new web based communication tool is an option that has recently been added.
The future of healthcare is leaning toward Consumer Driven Health Plans, Health Savings Accounts, Health Reimbursement Accounts, and web-based administration tools. HRH is prepared to help people navigate through this myriad of choices in the future.
HRH is a company that is known by its clients by the four values they truly incorporate. The first one of these values is integrity. They understand that an insurance relationship is based on trust. Their clients and carriers notice a difference when dealing with the people at HRH. The second value is accountability. This company makes excellence routine. Their formula is simple: performance beyond the required is the standard evidenced in all they do. They make that commitment to their clients, carriers, and themselves. Third, they value providing an environment which allows the most talented people in their business do the best work of their careers. Finally, the value of passion is felt by their clients.
Beginning with the first meeting, passion for their client’s business, their welfare, and their success is evident by the people at HRH. No other risk management and insurance provider has this level of passion for clients and their businesses. They are unmatched in their ability to provide customized and innovative solutions to businesses of any size. HRH serves small business owners with the resources of a big organization and large corporations with unparalleled ease and consistency. The unique attitudes provided by the people at HRH produce unique results. They proudly help growing companies protect their assets, their people and their future. HRH helps great corporations manage risk, so they can do great things. They provide certainty in uncertain times. HRH makes excellence routine. Problem Solved. G
For more information about Hilb, Rogal and Hobbs Company of Gainesville, please call 352.378.2511 or see their website at www.hrhgaf.com.