Have questions regarding employee benefits, Contributions, Options and More….

Choosing the right employee benefits company can be an overwhelming task, in formed decision is the best decision and it starts with getting your questions answred. Please take a few minutes to review our comprehensive FAQ section, and if you still are not able to find what you’re looking for don’t hesitate to schedule a consultation at your convenience.

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1. How long has MMHIA been in business?

We have been established since March of 2009 with a focus on employee benefits, a steady incline in growth since our beginning.[Go to top]

2. What are MMHIA agency credentials?

Our company filings and articles of corporation can be viewed by clicking here
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3. How is MMHIA different??

We use an infusion of software automation and digital technologies to leverage time, energy and resources for our clients. This drive down cost while creating greater efficiencies for our clients. [Go to top]

4. Do MMHIA have a glossary of insurance terms?

Short answer is Yes! We provide the most comprehensive health insurance glossary directory in the market. Designed to help consumers and business owners understand changes concerning the new legislation and more. Click here to go to glossary page.   [Go to top]

5. How can I find my local benefit adviser?

We have local advisers in most states we operate. To find the benefit adviser nearest to you click here for our directory
Click Here. [Go to top]

6.What automation tools and software do you provide?

And many other automation tools associated with our self serve benefit portal.
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7. Do MMHIA provide full benefit administration?

Yes! Where the automation ends is where the personalized service begins, we offer a world class benefit department for one person or a thousand through our self serve portal. [Go to top]

8.What is included in the self service member portal?

  • On-line learning Center
  • On-line enrollment automation
  • On-line user community
  • Easy User Tools and Interface
  • Chat Help Desk Support
  • World Class Benefits Department
  • World Class Local Benefit Adviser (Most States)

And many more advantages….

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9.What are the hours of operation and location of MMHIA?

Mid Michigan Health Insurance Advisors (MMHIA) and Insurance Agents United (IAU) are open Monday thru Friday from 9am to 5pm Eastern Standard time. Located downtown Flint Michigan in the Phoenix Building at 801 S. Saginaw St .[Go to top]

10. Do MMHIA offer compliance services?

Not entirely, our model is designed to work with your existing CPA, or you can work directly with our affiliate company Human Capital [Go to top]

11.What services do MMHIA offer for 1099 contractors?

The best way for an employer with 1099 contractors to offer a benefit package is to utilize our service portal, along with our HSA solution. You can provide a tax free contribution to your contractors HSA account on a moderate budget.[Go to top]

12.How is MMHIA HRA services different?

Traditional Health Reimbursement Arrangements (HRA) required a Third Party Administrator (TPA) to operate, these organizations add cost of managing and facilitating your HRA. We offer software to our clients that reduce cost, and create greater efficiencies .[Go to top]

13.What types of disability insurance does MMHIA offer?

We offer two options for disability insurance: short-term and long-term. The coverage they offer is just what their names imply. Short-term disability insurance will offer benefits to your employee when he or she is unable to work for a short period of time. Long-term disability insurance is designed to offer benefits on a more ongoing basis
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14. Does MMHIA offer employee voluntary benefits?

Yes! Voluntary benefits are a fantastic way to build out your benefits portfol[o without taxing your company’s resources. Employees appreciate the opportunity to have more affordable, more convenient access to the benefits you offer, and your business can attract and retain the best employees with great voluntary benefits.[Go to top]

15. What type of wellness programs does MMHIA offer?

We provide wellness rescources to your employees, some benefit agencies charge a fee for wellness programs and services. Most carriers we work with offer wellness incentives and reward programs to help individuals from smoking cessation, aerobics, walk fitness, spin cycling and many other services.

Carriers have a vested interest in keeping their claims lower and you benefit by having healthier more productive employees all at no cost. In our self serve portal, we offer guidance to our members how to tap into these resources, and more.[Go to top]

17. Who is Mid Michigan Health Insurance Advisors?

Mid Michigan Health Insurance Advisors (MMHIA) is a Health and Life Managing General Agency (MGA) dedicated to providing unique and effective ways for developing true, long-term financial success for it's agent affiliates and business partners. We are committed to teaching and living principles of service, integrity and leadership by example. We place the satisfaction of our clients and the success of our agents at the top of our priority list. To help fulfill this mission, Insurance Agents United (IAU) Digital Marketing Organization (DMO) was developed as a marketing arm for MMHIA, to further our reach for independent agents that want greater financial security through collaboration and partnerships.
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18. What types of insurance do you write?

Our core insurance product and service is group insurance. [Go to top]

19. Are your insurance rates competitive?

Yes! What makes us competitive is the science behind what we do to make our rates one of the most competitive in the market, by leveraging tax components for the targeted small group employers we can be hands down the most cost effective benefits advisors anywhere.[Go to top]

20. Which insurance carriers do you represent?

All of the Blue Cross Blue Shield carriers in every state we operate. (See FAQ #28) for all of the States we operate in.[Go to top]

21.What happens if my client group insurance rates go up?

There are provisions and guidelines that dictate the level of increase on on these group plan types. Unlike traditional group plans annual rate increase can not exceed 4%[Go to top]

22. Who handles the quotes, enrollments, and customer service?

Good question! As a subscriber to the IAU Marketing program, we can do your initial enrollment, in conjunction with our state of the art marketing system, afterwards the agent services and maintains the account, we also can handle providing the initial quotes and proposal as a subscribed agent [Go to top]

23. How long has MMHIA been offering group insurance?

We have been successfully acquiring group accounts over 8 years and growing.[Go to top]

24. Is it possible to negotiate higher commissions?

Yes! Absolutely, there truly are strength in numbers all of our agents combined volume allows us to leverage our negotiating power with the carrier to request higher commission thresholds which equates to more commission for our agents. [Go to top]

25. Do I need to be licensed in order to get commissions?

Yes! You must be appropriately licensed to receive commissions for any insurance products sold. [Go to top]

26. In which states do I need to be licensed?

Only your resident state in which we operate.[Go to top]

27.How does MMHIA verify that I am licensed?

At the time of contracting with us we will need to submit copies of licensing information to our home office.[Go to top]

28. In which States do you currently operate in?

Federal Facilitated Marketplace (FFM) for the Small Business Health Options Program, Florida, Georgia, Illinois, Louisiana, Michigan, Missouri, New Jersey and Texas. For our large group self funded solution all states with the exception of NY.[Go to top]

29. Do I need E&O coverage, SHOP Certification and Non-resident license?

No! No! and No! Errors and Omissions is not required, you do not need E&O to acquire group accounts with us, we underwrite all business under MMHIA so agents focus on business building instead all the administrative headaches. Same goes for SHOP Certification agents educate and inform we enroll, so it is not required that agents be SHOP certified, or need additional non-resident license to produce in the States we operate[Go to top]

30. What is digital marketing?

As defined by Wikipedia: Digital marketing is an umbrella term for the marketing of products or services using digital technologies, mainly on the Internet, but also including mobile phones, display advertising, and any other digital medium.[1]

The way in which digital marketing has developed since the 1990s and 2000s has changed the way brands and businesses utilize technology and digital marketing for their marketing.[2] Digital marketing campaigns are becoming more prevalent, as digital platforms are increasingly incorporated into marketing plans,[3] and as people use digital devices instead of going to physical shops.[4][5]

Digital marketing activities are search engine optimization (SEO), search engine marketing (SEM), content marketing, influencer marketing, content automation, campaign marketing, and e-commerce marketing, social media marketing, social media optimization, e-mail direct marketing, display advertising, e–books, optical disks and games, and any other form of digital media. It also extends to non-Internet channels that provide digital media, such as mobile phones (SMS and MMS), callback and on-hold mobile ring tones.[Go to top]

31. Is there other cost associated with the marketing program?

Yes! Although your marketing budgets are scale-able, there are marketing solutions that are zero cost depending on what the agent wants to achieve. [Go to top]

32. Will I be required to buy leads or cold call?

The short answer is no; It is not required, although if you prefer that style of marketing, that option is open for all who choose to do so. Our digital marketing solutions will show you how to reach massive targeted groups with an opt in campaign that can yield positive results for less cost, plus our approach is an automated one, which is much more efficient and less time consuming. [Go to top]