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Products

EBRM® limits the carriers with which it works, hand-picking them based on their financial strength and high-quality products. The company’s philosophy: In-depth understanding of policies and application follow-through isn’t possible if the menu’s too large. Partnered with these top-notch carriers, EBRM offers a diverse line of small group and individual health products. We help you match your clients’ needs with the product(s) best suited to them.


BLUE CROSS AND BLUE SHIELD OF ILLINOIS

From a brand name you already know and trust, EBRM offers group, individual and Medicare supplemental policies. The Blues’ custom-designed group plans or varied individual offerings ensure a policy well-fitted to your clients’ needs.
BlueCross Group
Let Blue Cross
custom-design a plan for your group client that minimizes employer costs while maximizing employee benefits. One approach: Recommend that your client keep costs down and preventive health up by paying the full premium for employees selecting the Blues’ well-regarded HMO or a more sophisticated HRA options. Employees seeking more flexibility can pay the difference to upgrade to a PPO or other plan. This is a good way to ensure participation from a group’s healthiest employees, helping to keep rates down for everyone.
BlueCross Individual
Provide your individual clients with a brand name they instantly recognize and a plan designed to meet their specific needs. The Blues offers
multiple plan designs – with varied deductibles, co-pays and networks – as well as the increasingly popular HSA options.

BlueCross Medicare Supplement
Have confidence with this
guaranteed issue product for clients age 65 and older.

HUMANA

 

The carrier’s leading PPO product is straightforward and easy to understand. Designed to help groups control costs and provide choice in health care benefits, these PPOs come with a free premium-only plan, COBRA administration and extensive online ebusiness tool to simplify routine processing. Other products address needs of individual policy holders including wellness benefits on all individual HSA plans.

  

ALLIED NATIONAL

For your individual clients seeking short-term coverage, Allied is particularly attractive since its application skips the often-dreaded “Have you been declined?” question. The maximum coverage term is 18 months. But a year-and-a-half could be a critical safety net for your clients who are between jobs or still exploring insurance options.

IAC

Take a look at IAC for group or individual health coverage. The carrier’s creative approach to individual policies, with an extensive inventory of riders, may come in handy for your hard-to-place clients. Let us guide you through IAC’s complete policy database.

TRUSTMARK

Find a better rate for your 50-100 groups through Trustmark. This carrier sticks with individual underwriting, forgoing the gatekeeper approach many others use for groups of this size. More extensive risk data typically translates into lower rates for the group as a whole.

STARMARK

Small business is the only business for Starmark. This narrow focus on the 2-50 market makes it among the best at understanding small group health needs. And it has the customer service to prove it.

 

THE STANDARD

Ancillary product expertise for your group customers is best served by The Standard. In spite of the company’s huge financial size, their customer service for all their clients is old-fashion and personal. Try quoting their excellent LTD products today.

 

 

 

 

Insurance carrier links

BlueCross BlueShield of Illinois
 
Humana
         
  Allied National   The IHC Group  
 

      Trustmark      Starmark     TheStandard