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| The Semons Financial Group is a full service employee benefits brokerage and consulting firm specializing in Self-Funded Benefit Plans. Our goal is to assist our clients in obtaining the best possible benefit plans for the least possible expense. We succeedl by utilizing state of the art technologies and concepts making it faster and easier for our clients to take advantage of a landscape of ever changing benefit options. |
Idaho
Group Health Insurance The
Idaho health insurance environment, like most states, is currently
in a considerable amount of turmoil. Rising premium rates have
employers searching for benefit alternatives like never before.
With the pressures being placed upon Insurers to control these
costs, there are always numerous “new”, but not necessarily “improved” benefit
designs being offered by Insurers. As such, the experience of your
benefits Broker or Consultant is critical to your success at controlling
these costs in a manner that won’t leave you hanging out
to dry down the road. With 17 years experience in the group benefits
market, the Semons Financial Group offer it’s clients state
of the art Technologies, services and knowledge matched by few
in the industry.(click here to Learn More) I App Systems  What
is Iapp? Iapp is a proprietary system developed
by the Semons Financial Group in cooperation with Toolbox
Software Corporation. Iapp integrates internet and computer
technology to streamline the process of preparing an employer
to shop for insurance benefit programs. Additionally, where
this process has become a yearly event for most employers,
Iapp significantly reduces the need to repeat this data
gathering process from year to year. Simple updates are
all that is needed for your group to be ready to shop.
Iapp
positively effects the time requirements of this process for
both the Semons Financial Group, our Clients, and our clients
employees who use it! As a result, you can be sure that our
recommendations to your group will always be in your best interest,
not ours! View
online IApp Brochure(Contact us for more info) |
Idaho
Individual Health Insurance On July
1, 1994, the State of Idaho adopted the NAIC (National Association
of Insurance Commissioners) Model Act, which changed significantly
the way insurance carriers could do individual business in
Idaho. Of those changes, the most significant related to
how an insurance carrier can establish premium rates for
individual Health Insurance Plans they sell. Additionally,
on January 1, 2001 the State of Idaho created the “Individual
High Risk Pool” providing guaranteed plans to be made
available to anyone who would otherwise be uninsurable. These
two significant events changed several issues, the most significant
of which are:
-Companies are restricted as to the premiums they can charge a particular Individual. -Every person that applies for Idaho individual health insurance coverage is guaranteed to be able to buy at least one of four state mandated health plans. -At renewal time, carriers are limited on how much they can increase your rates.(click here to Learn More) Idaho Access Cards  What
is the Idaho Access Card Program? Due to the problems
created by Idaho's rising uninsured population, the State of
Idaho has created several new programs to assist lower income
families to provide health insurance coverage for themselves
and their children.(click here to Learn More) |
