Employee Benefits Consulting
A Comprehensive Approach
Whether it’s illustrating how you’re trending based on past experience or outlining a 3-5 year plan, our comprehensive approach helps ensure that your plan is not only sustainable and fully compliant, but also meets your goals moving forward. As one of the top 100 agencies in the country, we have the expertise and leverage to aggressively negotiate with insurers.
Don’t Be Limited
“The SEPP Group is a small non-profit specializing in the mission of providing Affordable Senior Housing with approximately 20 employees. We truly appreciate all the support we receive from Haylor, Freyer & Coon, especially in the areas of Compliance, Communication and Cost-Control. The high level of services provided by Haylor, Freyer & Coon feels like they are an extension of our organization. By partnering with Haylor, Freyer & Coon we enjoy superior HR Support along with critical employee assistance on all benefit questions and issues which feels like extra staff without any added expense. Haylor, Freyer & Coon is a great choice for any organization looking to improve their employee benefit programs.”
Why a Benefit Consultant
Haylor leverages leading technology to analyze your employee benefits plan. We use data from claims reporting, combined with forecast analysis to evaluate the performance of your plan. We continuously benchmark those analytic to reduce claims or make necessary changes to your program.
A well-planned strategy for your Benefits Plan is a necessity. Haylor assesses your company’s needs and budgetary guidelines, followed by development of a set of goals. This roadmap is put into action, then are revisited as nearing goal-terms approach. This ensure your company’s full utilization of its Benefits Plan.
We service the unique needs of niche industries and organizations while keep their best interest in mind. No waiting until renewals or claims reporting to speak with us. Haylor Benefit Advisors provide clients with distinctive and exceptional service year-round!
Insurance Solutions Developed With Innovative Technology
Medicare Supplement, Medicare Advantage, Part D drug coverage — which is the right plan for you? We know how complicated Medicare can be and that’s why people come to Haylor for their Medicare choices!
Annual Enrollment Period is October 15th, 2022 to December 7, 2022. See Medicare plans and rates available in your area and enroll now!
Medicare Plan Options
Let Haylor help you navigate Medicare
For employers with Medicare-eligible employees, there are many factors that add to the complexity of group health insurance and their coverage options. Haylor, Freyer & Coon Benefits Advisors help you select the best primary coverage for your employees, as well as help you explore affordable supplemental options such as prescription drug coverage or vision plans.
Group Medicare Basics for Human Resources
All the Parts of Medicare
Frequently Asked Questions
When is the best time to enroll in Medicare?
The best time to buy a Medicare policy is during open enrollment, which begins 3 months before the coverage holder turns 65. It’s better to start the process right away, so that coverage can begin by the 65th birthday. Enrollment ends 3 months after the 65th birthday.
What happens if I miss my open enrollment?
If you miss your window of enrollment for Medicare, you can wait until the general open enrollment period to enroll, which is from January 1st to March 31st every year. Late enrollers are subject to premium penalties and medical underwriting, which means your health information may be used in making coverage decisions regarding premium amounts and policy rates.
What if I have health problems?
During your open enrollment period, an insurance company must sell you a policy, and cannot deny or charge you more based on your health. After your enrollment period ends, policy rates and premiums depend on your health history and any preexisiting conditions. That’s why you should start the Medicare enrollment process as soon as you are eligible.
Questions with your Employee Benefits Package?
Not sure how your benefits package compares to others? We can help!