Filling a need

The individual, private and self-employed health insurance benefits arena is not only in constant turmoil, but changes as frequently as federal and state legislative sessions change.

Most individuals are the self-employed are not professionally trained in health insurance benefits, and most do not want to be. Most individuals or families do not have the time or want to spend it listening to different insurance presentations, yet they want to be kept informed on what is happening with the current health insurance situation.

When you encounter problems in your health benefit plan, be it financial, claim, billing or benefit interpretation, someone has to solve them.

Health insurance benefits advice should be received from someone independent and unbiased, not from an agent who works directly for an insurance company and has their own interests in mind, not yours.

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Ongoing Services

• Regular visits. When you become a Cook & Associates client, we will visit you regularly by appointment to solve any problems you might be encountering: Benefit design, claim, billing or accounting. These regular, personal visits have been our trademark for years - and will be one of many services provided to you.
• Consulting. Cook & Associates will provide consulting on all phases of your plan, including administrative, claims and financial. We will make certain that a workable, practical relationship is maintained with the underwriting insurance carrier(s), with particular attention to their policymaking, underwriting and claims procedures. Also, where possible, Cook & Associates will:
• Provide reports on the program’s premium and claims payment progress.
• Place the plan to bid once again, with the same process mentioned previously, if the current carrier is not competitive in their renewal action.
• Assist in the preparation of announcement booklets, claims forms and other appropriate material.
• Be available to answer questions, inquiries, settle claims, assuming the kind of responsibility required to service your health insurance program efficiently and professionally.
• Most of all, serve as your insurance advisor maintaining the best individual, family or self-employed health plan and benefit program.

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The Benefits

• You will save time.
• You will not have to listen to endless hours of insurance presentations.
• The Cook & Associates process of competitive bidding will provide you, from an unbiased perspective, a wide selection of options.
• Recommendations will come from professionals specializing only in employee benefits.
• Your decisions will be based on actual comparative data, not the best sales pitch by an insurance agent.
• You and your family will have fewer claims problems because of Cook & Associates’ service personnel.

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We would like to be your personal health Insurance Agents and Quotes and will share our knowledge, expertise, staff, facilities and experience.

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