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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ACA Reform FAQ's
5. How can I find my local benefit adviser?
6. What automation tools and software do you provide?
7. Do MMHIA provide full benefit administration?
8. What is included in the self service member portal?
9. What are the hours of operation and location of MMHIA?
10. Do MMHIA offer compliance services?
11. What services do MMHIA offer for 1099 contractors?
12. How is MMHIA HRA services different?
13. What types of disability insurance does MMHIA offer?
14. Does MMHIA offer employee voluntary benefits?
15. What type of wellness programs does MMHIA offer?
16. How do you define an active agent of MMHIA?
17. Who is Mid Michigan Health Insurance Advisors?
18. What types of insurance do you write?
19. Are your insurance rates competitive?
20. Which insurance carriers do you represent?
21. What happens if my group insurance rates go up?
22. Who handles the quotes, enrollments, and customer service?
23. How long has MMHIA been offering group solutions?
24. Is it possible to negotiate lower premium rates?
25. Do I need to be licensed in order to get commissions?
26. In which states do I need to be licensed?
27. How does MMHIA verify that I am licensed?
28. In which States do you currently operate in?
29. Do I need E&O coverage, SHOP Certification and Non-resident license?
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]
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]
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]
- Human Resources Integration System (HRIS) Software provide by Effortless HR
- Web based payroll system from Trax Online Payment Systems
- QSE-HRA Automation Software provided by Peoplekeep
And many other automation tools associated with our self serve benefit portal.
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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]
- 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….
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]
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]
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]
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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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]
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]
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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Our core insurance product and service is group insurance. [Go to top]
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]
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]
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]
We have been successfully acquiring group accounts over 8 years and growing.[Go to top]
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]
Yes! You must be appropriately licensed to receive commissions for any insurance products sold. [Go to top]
Only your resident state in which we operate.[Go to top]
At the time of contracting with us we will need to submit copies of licensing information to our home office.[Go to top]
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]
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]
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.
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. Digital marketing campaigns are becoming more prevalent, as digital platforms are increasingly incorporated into marketing plans, and as people use digital devices instead of going to physical shops.
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]
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]
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]