Employee Benefits Packages and Group Health Insurance Plans

Serving Washington State and the communities of:

Vancouver WA, Camas WA, Washougal WA, Battle Ground WA, Salmon Creek WA, Hazel Dell WA, La Center WA, Ridgefield WA, Woodland WA, Longview WA, Kelso WA, Centralia WA, Chehalis WA, Grand Mound WA, Olympia WA, Tacoma WA, Seattle WA, and surrounding cities.

M&G Opens New Location in Vancouver, Wa

In order to better serve their clients in Southwest Washington, Montgomery & Graham is excited to announce the opening of a new office in Vancouver Washington.

Employee benefits are something that most businesses must manage no matter where you live. While they are an important, few employers have the time and resources to sit down and properly manage them. Montgomery & Graham understands this and has dedicated itself to innovative employee benefits planning.

Montgomery & Graham's innovative insurance strategies included:

Group Health Care Options

For employee group health insurance, there are two categories: large group insurance and small group insurance. The category of insurance is determined by the number of employees in the company. A company with less than 50 employees is considered small group insurance. A company with more than 50 employees would be considered large group insurance. The rates are different for large group insurance and small group insurance, as are the requirements.

Group health insurance is provided by an employer to its employees, and often to the families of the employees. This insurance may be a policy that the employer purchases from an insurance company, or in some cases is self-funded and it sets funds aside to pay for medical expenses of those covered by the group policy.

Group health insurance may be offered to employees at no cost, but often is offered at reduced rate to the employees, or a rate that is better than what an individual might get if they were to get a policy on their own.

Group medical insurance is often less expensive per individual than it would be for a private policy. This is due in part the employer subsidizing the rates, and in part to the better rates that the insurance company gives for the large policy.


Answers to the Most Frequently Asked Employee Benefit Questions

"What is Coinsurance?", "What is an EOB?", "What is a PPO?" Confused about common health insurance benefits terms? These FAQs cover the basics to take the mystery out of coverage terms


Benefit Counseling: The Key to Successful Enrollment

As an employer, you want employees to understand and appreciate the substantial value of their benefits. It is important that employees understand their benefits when they are enrolling to ensure they make the best choice for themselves, their family, their lifestyle and their budget.


Managed Care: Health Insurance Terminology

What is Health maintenance organization (HMO)? Or how about Preferred provider organization (PPO)? This article defines managed care and several other terms related to medical insurance.


Insurance News Video Updates

Preparing for the Department of Labor's FMLA audit of your organization


Are you ready for the knock on the door announcing an investigation of your Family and Medical Leave Act practices by the U.S. Department of Labor?


Health Care Reform: Workplace Wellness Program Incentives

This Brief provides an overview of the different types of workplace wellness programs and the Affordable Care Act’s rules on the incentives or rewards that can be offered under the programs.


Consumer Driven Health Care: Health Insurance Terminology

CDHC plans are becoming increasingly popular and truly put you, the consumer, in the driver’s seat. Feel more confident about controlling your health coverage with the most common CDHC terms defined.


Health Care Consumerism —What You Need to Know

Health care costs in the United States continue to rise after a decade of unexpected growth. The purpose of these plans is to educate employees concerning the true costs of medical services and to hold employees more responsible for their medical care purchase decisions.


Employee Medical Benefits: Self-Funded vs. Fully Insured

All group medical benefit plans fall into one of two categories: self-funded or fully insured. This article explains the differences between self-funded and fully insured employee medical benefits.


The Advantages of Self-funding

In today’s business climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. Employers of all sizes are looking to mold their plans around the requirements of their businesses.


Level Funding a Self-funding Option

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. Level funding is an option that can accompany a self-funded plan.


Understanding a Health Reimbursement Arrangement (HRA)

A Health Reimbursement Arrangement (HRA) is an employer-funded account that is designed to reimburse employees for qualified medical expenses that are paid for out-of-pocket. This article answers common questions about HRAs.


Montgomery & Graham - We Solve Problems

Let us help you find solutions to the challenges your business faces today and tomorrow. Whether your looking to protect your family, home, auto, or business, at Montgomery & Graham Inc we have got you covered. Our team has worked with businesses of all sizes, and individuals with unqiue curcumstances to provide Washington & Oregon health insurance they can trust.

Schedule a consultion to find out how you can take control of your health insurance cost and offer employee benefit packages that excel in company wellness and employee retention. Understand your options and know about the lastest insurance stratigies, and save money offering innovative healthcare and risk management solutions. We solve problems at M&G, contact us today!

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Setup a free appointment to find out how you can start saving money using the latest insurance strategies!







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