NOTICE - USBenefits Insurance Services, LLC is not a Claims Administrator nor do we solicit business from individual consumers, and we are not affiliated with US Benefits / UMTA Trust (Oregon).

Are All Stop-Loss Providers Created Equal?

Are All Stop-Loss Providers Created Equal?

When it comes to service, it may be hard to differentiate between Stop-Loss Providers on a “Request for Proposal” spreadsheet. As discussed in previous articles, choosing the lowest price may not be in the best interest of the Plan. Let’s go a bit deeper into why...
Should your Stop-Loss Carrier Participate in your Sales Process?

Should your Stop-Loss Carrier Participate in your Sales Process?

Unlike other carriers and MGUs, USBenefits believes we can add value to your sales effort. We recognize the sensitivity and concerns you (our producers) may have by inviting a stop-loss carrier to your sales presentation. Hence the question… Should your stop-loss...
Personal Touch….

Personal Touch….

At USBenefits, your goal is our goal – to provide the best possible outcome for the employer. This is not just a tagline for the employees at USBenefits, but a drive to do everything we can to support our customers. We work closely with our Third-Party Administrators...
Fully Insured Vs. Self Funding

Fully Insured Vs. Self Funding

Fully Insured – the employer purchases a standard healthcare coverage from a commercial carrier such as UHC, BCBS, Cigna or Aetna. The insurance company takes the risk associated with the employees’ healthcare and the profit when premiums exceed claims costs. Self...
Is Stop-Loss (aka Excess / Self-Insurance) Coverage Right for You?

Is Stop-Loss (aka Excess / Self-Insurance) Coverage Right for You?

If you’ve been following USBenefits Insurance Services articles you probably noticed a theme – the benefits and disadvantages of stop-loss (excess / self-insured) coverages and the importance of employing strategic plans. These plans could include, but are not limited...
Employer Groups Lowest Price Distraction

Employer Groups Lowest Price Distraction

Some employer groups (employers) are fortunate to have brokers, consultants or Third Party Administrators (TPA) that represent their financial interests. These producers understand the employer’s “bottom line” to their clients and do not act as an insurance coverage...