Five-0-Nine Insurance · Spokane · Yakima · Walla Walla
Employee benefits
Group coverage for a business with a team to look after.
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Who this is for
The people we usually see for this
Businesses of every size, and growing businesses that want to offer health insurance and other benefits to their employees.
Usually it is the owner or the office manager. Someone trying to take care of their team, stay competitive, and keep the numbers inside what the business can carry.
What people get wrong
A lot of businesses assume they are too small to offer benefits, or that group insurance is automatically out of reach.
Others look only at the monthly premium. We put together several quotes and scenarios so you can see the whole shape of it: what the employer contributes, what employees pay, the deductibles, the networks, and what your people actually want, including wellness programs.
Before you call
What people worry about
Three things come up almost every time.
Where do I even start
Most owners come to us having never bought group coverage before. Nobody expects you to arrive knowing the terminology.
Renewal came back higher again
That is the most common reason a business calls us. It is worth looking at the whole plan design rather than absorbing the increase and moving on.
Will the numbers work
You want to take care of your people and you still have a business to run. What the employer contributes and what employees pay both have to land somewhere that works.
Our work
Where we come in
We take something that feels overwhelming and break it down with you. We compare carriers, plan designs and costs, and we look past medical insurance at dental, vision, life, disability and supplemental benefits.
Group benefits also carry documentation, reporting and periodic auditing that the business is responsible for. We have the tools and the team to support your management staff through the year, not only at renewal.
What working together actually looks like
We start by learning about the business, the employees, the budget and the goals. From there we compare options and walk through the choices together.
Once a plan is selected, our team helps with enrollment, employee questions, the paperwork, and advocacy when someone needs it. Think of us as the insurance coach for your business, available all year rather than only at renewal.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
Yes. As independent insurance agents, we work with multiple established insurance carriers and offer a variety of insurance products.
That lets us look beyond a single company or a single type of coverage, and help you consider options that fit your lifestyle, your budget, your family and your overall protection needs.
We offer a broad range of health and protection options for individuals, families, small businesses and retirees. That includes individual and ACA health insurance, life insurance, disability and income protection, accident coverage, cancer, hospital indemnity, heart attack and stroke coverage, dental and vision, long term care planning, employee benefits, and Medicare coverage.
You might also want to look at
People who buy their own health coverage often end up asking about these.
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For anyone without a plan through work, in the years before Medicare. We compare what is actually available to you, on the Washington exchange and off it.
For anyone on Original Medicare, usually alongside a Supplement, who needs prescription drug coverage.
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Accident, critical illness and hospital coverage that pays you directly, so a health event does not have to become a financial one.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
