Health Insurance

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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

Adviser

Jini McCool

Chris Lands

About

Our Approach

Contact an Expert

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.

Medicare Advantage Plans vs. Medicare Plus Medigap Supplemental Insurance

Most Americans have heard of Original Medicare as one of many healthcare coverage options, but they may not understand how it differs from Medicare Advantage and how Medicare Supplement Insurance (Medigap) fits into the mix. This article explains the differences in...

Last-minute Open Enrollment Considerations

As open enrollment periods approach for 2023 benefits, there’s still time to address employees’ questions and inform them of their options in meaningful ways. Doing so will help them get the most from their benefits, which are especially valuable as employees navigate...

Level Funding

If you desire the freedom of a self-funded insurance plan but need a little more certainty for your budgeting concerns, level funding might be an option for you. Weigh the advantages and disadvantages and decide what’s best for your company. What is a Self-funded...

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...