Frequently Asked Questions

For your convenience, we are pleased to provide general answers to our most frequently asked questions addressing group health insurance and individual major medical coverage. We further invite you to contact us for specific information without any future obligation.

Employee Benefits FAQs

Individual Major Medical FAQs

Employee Benefits FAQs

How will the benefits package I offer my employees improve and/or cost less if I use your services? While we cannot promise upfront that we will either save you money or enhance your coverage, we can assure you that we will take the time necessary to understand the critical factors—such as the unique makeup of your company and your employment goals—that will indicate the type and extent of coverage that will effectively meet your criteria. From that point, we will perform our due diligence in researching and recommending alternative benefits packages that best satisfy your critical objectives. return to top.

We deal with contracts all the time. Why would we need your help regarding our employee benefits package?
The simple answer is that insurance is our expertise, and our commitment to you and your employees can help you make informed decisions in far less time with less effort.

One company might offer as many as 80 similar but different alternative types of employee coverage options. With skill and knowledge, we efficiently cull through a potentially overwhelming number of products to optimize your choices—all while saving you significant time and alleviating the stress that comes from second-guessing questionable decisions.

Even when renewing, our clients rely upon our proficiencies. An abundance of variables—from consumer demand to legal statutes—impact the insurance industry and, therefore, produce a dynamic marketplace. Consequently, not only do we simplify the complexities, but we also make you aware of the latest product features and industry developments that often make a substantial difference in the final decision.

We further help you communicate the elements of your benefits package to your employees with a positive presentation and give your people continuous support. return to top.

If our employees run into roadblocks when they file a claim with the carrier, what will you do to help?
After-the-sale service is a major part of our commitment to our customers. Therefore, we often step in as an advocate for our clients’ employees to clarify misunderstandings and to help move the process along.

In today’s environment, employees can feel like they have no voice if they experience poor customer service when dealing with their company plans. With MBC, your employees will experience something different.

We view your employees as are our customers. Therefore, no matter the issue, when either you or your employees call our offices, a real person—a committed representative who takes a personal interest in each individual’s wellbeing—will interact with you.

We sometimes have persuasive powers to have items covered when you may not. return to top.

Is MBC affiliated with certain insurance companies which give you incentives to steer clients to them?
MBC represents many insurance companies with access to all group medical, group dental and group life insurance carriers in the State of Georgia. Our ultimate objective is to recommend the most appropriate choices in light of our clients’ needs. Only by operating with utmost professionalism and integrity, recommending highly viable options, can we establish the levels of trust and confidence necessary to become and remain our customers’ preferred agent. return to top.

Individual Major Medical FAQs

Will it cost me more to purchase a plan through you as opposed to buying directly from the insurance company?
Purchasing a plan from MBC versus buying directly from a particular insurance carrier will not cost you anything extra. We may even be able to present cost-saving alternatives based upon our industry insights and our understanding of your needs.

Our 26+ years of experience includes our intricate knowledge of insurance companies and their policies. Consequently, we can highlight subtle differences among carriers and explain fine print that you may otherwise overlook. We can also guide you in selecting coverage options and deductibles that produce more value per premium dollar. return to top.

Is MBC affiliated with certain insurance companies which give you incentives to steer clients to them?
We have access to most major medical insurance carriers in the State of Georgia. Our ultimate objective is to recommend the most appropriate choices in light of our clients’ needs. Only by operating with utmost professionalism and integrity, recommending highly viable options, can we establish the levels of trust and confidence necessary to become and remain your preferred agent. return to top.

Why do I need you if I can purchase personal coverage directly from the insurance company?
An abundance of variables - from consumer demand to legal statutes - impact insurance companies and, therefore, produce an industry that is constantly changing. Not only do we simplify the complexities, but we also make you aware of the latest product features and industry developments that can make a substantial difference in your decision. return to top.

If I run into roadblocks when I file a claim with the insurance company, what will you do to help me?
After-the-sale service is a major part of our commitment to our customers. Therefore, we often step in as an advocate for our clients to clarify misunderstandings and to help move the process along. No matter what your issue, when you call our offices, you will speak with a real person, a committed representative who takes a personal interest in your wellbeing. return to top.

Is my 19-year-old child still covered under my insurance policy?
Upon turning 19, your adult son or daughter must be a fulltime student in order to be covered under your policy. If he or she marries or attends school only part-time, your son or daughter would not be protected. return to top.