Health Insurance

Simply offering benefits to your employees isn’t as easy as it used to be. The impact of legislation and other changes in the health and benefits world makes it necessary to assess what path is right for you and your employees. Together, we will explore the risks your business may face. Using our comprehensive risk assessment, we will work together to decide what matters most to you – developing a customized plan to protect your employees and organization. Each year, we review the plan and what we have accomplished together and ensure the plan remains relevant and continually evolves as both your business and the world of risk does.

Available Coverages:

  • Health Insurance

  • Medicare

  • Dental Insurance

  • Vision Plans

  • Life Insurance

  • Specialty Coverages

HEALTH INSURANCE LEADERS

Our local agents are ready to assist you with all of your insurance & risk management needs!

Bob Lilley

Bob Lilley

Adviser

Angela Everett, AIP

Angela Everett, AIP

Adviser

Jini McCool

Jini McCool

VP

Chris Lands

Chris Lands

VP

About

Our Approach

Individual & Group Health Insurance Options

At Bates Hewett & Floyd, we have several options when it comes to insuring your health.

One of the biggest myths out there is the thought that obtaining health insurance through a local agency is more expensive than going direct to a company. That is simply not true. Our relationship with our insurance carrier partners allows us to offer you the right product, with the right company at no additional cost to you.

Inflation’s Impact on 2023 Open Enrollment

Many employees are currently feeling financially strained because of inflation. With open enrollment fast approaching, inflation could impact employees' choices regarding their benefits. Employees are likely to consider which benefits matter the most and how to...

Trending Employee Benefits That Strengthen Attraction And Retention Efforts

In the wake of the Great Reshuffle—the mass movement of workers to jobs that prioritize their needs—and macro trends like the tight labor market, attraction and retention are top of mind for employers. In fact, according to Zywave’s 2022 Attraction and Retention...

6 Tips for Reducing Healthcare Costs in 2022

Health care costs continue to rise each year, and 2022 will likely be no exception. Experts predict a 6.5% increase in medical expenses alone in the new year. That’s why it’s important for you to take steps to reduce health costs wherever possible. This article...

Summary of the 2021 Employer Health Benefits Annual Survey

Each year, the Kaiser Family Foundation conducts a survey to examine employer-sponsored health benefits trends. This document summarizes the main points of the 2021 survey and suggests how they could affect employers. Health Insurance Premiums In 2021, the average...

5 Strategies for Reducing Health Benefits Costs in 2022

Benefits Insights Brought to you by the insurance professionals at Bates Hewett & Floyd Insurance Agency 5 Strategies for Reducing Health Benefits Costs in 2022 For the past two decades, health costs have increased each year. This happens for a variety of reasons,...

How to Avoid Heat Illness

Avoid Heat Illness When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool Follow the...

What is a Pharmacy Benefit Manager?

What is a PBM?  A Pharmacy Benefit Manager is a third-party administrator of prescription drugs for health plans. Every health plan has one, but many of us do not know who they are and how they operate. I think we can all agree the cost of prescription drugs is out of...

You Still Qualify for 2021 Health Insurance!

If you missed Open Enrollment (which ended in December 2020) you may have a new opportunity to secure coverage! Don't just go to the open market. There are several reasons to use a local agent, and best of all, our services and assistance are offered at no additional...

Fast Facts About the COVID-19 Vaccines

You’ve probably heard that a vaccine will help bring an end to the pandemic. Now that there are two vaccines authorized for use, you may have questions about those vaccines, especially in the age of misinformation. Here’s what you need to know about the COVID-19...

Zero Premium Health Insurance Available!

We have some exciting news! 80% of the people in our County and surrounding Counties qualify for a tax credit for Health Insurance called a subsidy. Zero Premium Health Insurance A subsidy is a credit paid by the IRS to the carrier - the health insurance carrier on...

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