HR Directors...Learn the benefits of considering voluntary and supplemental health insurance programs for the small and medium size business market.

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Looking for Insurance Quotes? If your firm has over 500 employees you may want to visit The Benefit Network. Learn how to use supplemental health insurance plans to offset the rise in core health insurance quotes that you get from your broker.

On this site you will find key educational information on supplemental health insurance benefits including dental, life, long term care, accident, and short term disability. HMO’s insure approximately twenty percent of all privately insured workers. According to a recent study by Hewitt Associates, most employers will pay an average of 12.6 percent more for workers’ HMO coverage in 2006. Humana has announced a 23 percent increase for 2006, at. At the other end of the increase spectrum is Kaiser-Permanente, a non-profit HMO announcing a 10 percent increase. The largest insurance provider in America WellPoint, , intends to increase their rates by 16 percent, followed by UnitedHealth Group, the second largest insurer, who projected an 11 percent increase for 2006. The information on this site is general in nature and may vary from the ultimate products and services that your local agent will offer. With many carriers the products may also vary from state to state. Therefore you will need a qualified local agent to assist in the selection and implementation of a voluntary program.

Our site makes that search process easy, when you fill out a request for information, we notify a voluntary benefit agent in your area who has servicing responsibility for your town. This site was developed to assist you in your decision making process and show you the benefits of considering voluntary and supplemental health insurance programs.

If you are looking to enhance your traditional health insurance plans, you have the right site. By scanning our site you can quickly develop a better understanding of the process for a successful enrollment. Be sure to get the free report, "Seven Deadly Sins of Voluntary Enrollments" by subscribing to our monthly newsletter which provides tips and new ideas for busy human resource mangers. By visiting this site before you decide to implement voluntary programs, you will be in a better position to ask good questions of your agent. Read tips on selecting an agent.

Through our referral program we will submit your inquiry to a local agent in your area. These independent agents specialize in enhancing existing programs and can peacefully co-exist with your current broker. All agents are independent agents they are not agents of 1st Supplemental Health Insurance and are free to offer any voluntary program that they choose. We do not require agents to represent any particular carrier.

These agents specialize in enhancing your existing programs by offering employee-centered plans that increase employee satisfaction and save employers money.

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Start your search for a qualified local representative here.

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