Employee Benefits is the SECOND most costly item for a company, right underneath wages.  The name of the game is “strategy”…..there IS a way to not only save money, but have better benefits for your people.  At Brauer Insurance, Employee Benefits are not just something we offer, we SPECIALIZE in it!  I like to use this analogy; If you have a heart issue, you go to a cardiologist…….a “specialist”.  Same goes for other things as well.  Why NOT have a specialist, our services are completely free….and….we provide a ton of Added Value Benefits that most other brokers don’t.  One of those is an EAP (Employee Assistance Program) for all benefited employees.  This comprehensive plan helps employees with Behavioral issues incorporating Health and Wellness.

Employee Benefits and Group Medical Insurance CAN be affordable.  If you think you’re paying too much…..you probably are!  We can help you strategize your Employee Benefit plan for your company.  We are an Independent, Family Owned, NO FEE agency, specializing in Group Benefits for small and medium sized companies.  Let our expertise help you navigate through the dysfunctional Health Insurance, Employee Benefit waters.  Our strategy is something that works with every insurance company in California….and frankly, its NOT rocket science.

Brauer Insurance can help you with your Employee Benefits or Group Medical Benefits.  We have several employer groups that will vouch for us and what we’ve done to help them minimize their exposure, AND significantly reduce their insurance costs.

Steve Brauer-Founder-Broker……Brauer Insurance Services LLC.  3150 Almaden Expwy, Suite 203, San Jose, CA 95118

If you have an Anthem Blue Cross, HealthNet, Blue Shield, or Kaiser plan, we can DEFINITELY save you some serious money, and usually increase your benefits.  How?  It takes literally 30 minutes to explain to you.  If you invite me in to your business, I will NEVER try and sell you or put any type of pressure on, its not my style.  If you don’t thing there’s a value with me….you need to stay with your current broker.  There have actually been couple of times that I’ve reviewed the Employee Benefits of a company, discovered that the broker was using a proven “strategy”, did their Quarterly meetings with the employers and shopped it hard each year.  I’ve told those people “you should probably stay where you are….your broker is actually doing a great job!”  Those instances are few and far between!

Usually the employer, if they’re under 30 employees, rarely sees the broker and maybe gets a phone call or an email at renewal time….UNACCEPTABLE!  With our expertise and Added Value Services we completely smoke the competition.

At Brauer Insurance we can prove to you that Employee Benefits and Group Benefits can be not only affordable, but very comprehensive too!

Call us or visit our Google reviews www.brauerinsurance.com, or Google us and check out some of our customers!

If you have an Employee Benefits program in place at your company, I can almost guarantee that you are not using a progressive, forward thinking strategy.  I have YET to find one in any business that I visit.  Employee Benefits is the second highest cost to a company, right behind the wages.  Yet most owners, CFOs or Controllers do little to mitigate those costs.  Most believe they either have to lower the benefits or make the employee pay more to offset the cost.  NEITHER IS ACCEPTABLE.

We are an Independent, Family Owned, NO FEE agency.  That means our services are free.  We get paid by the insurance company…..at no cost to you.  Our Added Value Services include FREE Cobra Administration, an HR Compliance Center, and a FREE EAP (Employee Assistance Program) for all benefited employees.

Employee Benefits CAN be affordable.  I can prove it to you.

I always like to ask business owners what they discuss with their current broker during their Quarterly Benefits review.  What types of issues arise, maybe mid-year that the broker can help solve?  If your broker is meeting with you quarterly, has a workable, progressive strategy that they can articulate, or if it’s your brother, cousin, or neighbor, I’m probably not the right fit for you.

If your broker does NOT do those things, maybe we should talk!  At Brauer Insurance, we believe in giving back to our employer groups in the form of Added Value Services.  We make good money….why not share it with the people that make that possible!

Call us…..even if we can save you 20% (that’s a low number), it may be worth a conversation.

Steve Brauer-President, Brauer Insurance Services LLC….www.brauerinsurance.com

One such plan is the Blue Shield 3500 HSA plan.  It’s usually around $100 a month and gives you great coverage.  It also allows you to have an HSA account that you can pay out of pocket expenses with tax free money…something that most plans don’t let you do.

HealthNet has a couple of good plans too.  Their 4500 and 5200 plans are also HSAs and are even cheaper than the Shield 3500.  The deductibles are a bit higher, but the coverage is excellent after the deductible.

At Brauer Insurance, we ARE the experts in Health Insurance.  We’ve been in business for a long time and we know the dysfunctional Health Insurance industry all too well.  That can be a blessing AND a curse.  Some people don’t know that if you purchase insurance “direct” from the insurance company, or use a  broker, the price is the same.  The only difference is if you use a trusted broker, you have an Independent agent on your side, instead of having to call a bunch of 800 numbers to get some help with an issue.

Some companies offer Health Insurance…..we SPECIALIZE in it!

If you live anywhere in the Bay Area, San Jose, Campbell, Sunnyvale, Los Gatos, Fremont, Milpitas, Mountain View, Palo Alto, Santa Clara, or San Mateo….we can help you navigate the crazy Health Insurance waters.

Steve Brauer-Brauer Insurance Services LLC….(408) 421-5555

Some companies offer Health Insurance….we SPECIALIZE in it!  Any broker can show plans each year and suggest you ride the price increase, or make your employees pay more each year…..we have a BETTER solution.

At Brauer Insurance, we believe in a “risk management” style of Employee Benefit administering.  We like to think of it as the FINANCING of your healthcare.  Hey, Employee Benefits are the second biggest expense for a company, right under the wages.  You strategize your investments, why not something as important as your employees healthcare?  Folks….it does NOT have to cost you a fortune, and I can prove it.

Its pretty funny when I get invited in to a larger client that wants to hear my strategy, and come to find out their current brokerage, a much larger firm than mine, has NO strategy or way to mitigate the rising costs of Employee Benefits.  We are specialists with what we do.  If you’re a broker and you are used to doing business the same old way….just showing clients plans and commiserating about the high prices, you better step aside, cause I’m gonna take your accounts away from you.  I’ve built our business from showing employers how to save money and get BETTER benefits….and then replacing their old school brokers with my agency.

Employee Benefit Strategies are NOT rocket science, but you DO need to know what you’re doing, and you better be an expert at Health Insurance.  Call me….I can show you in about 30 minutes how it works.  I can also give you tons of references of happy employers that sing my praises!

Employee Benefits in Mountain View, Palo Alto, Los Altos, Fremont, Milpitas, Santa Clara, San Jose….do NOT have to cost you a fortune…..and I can prove it!!

Steve Brauer-President…..Brauer Insurance Services LLC….(408) 421-5555….3150 Almaden Expwy, Suite 203, San Jose, CA 95118

At Brauer Insurance, we help you strategize your Group Health Insurance.  It sounds overly simple, and once you actually see the strategy, you’re gonna be wondering why it hasn’t been shown to you before.  One of the biggest compliments I’ve ever gotten in my professional life, happened when the CEO of a large manufacturing company along with his HR Director, were sitting in one of my presentations.  As exciting as I am….they were looking like they were going to fall asleep.  I was showing them some strategies that other companies have found useful when all of a sudden the CEO opened his eyes, sat up in his chair….the “light bulb” went on.  It suddenly made sense to him.  He looked at his HR director and said “why hasn’t OUR broker showed us this?”.  The HR director looked befuddled and looked at me.  My response “maybe you should ask him!”

2 days later, they signed over their account to me.

Group Health Insurance can not only be affordable, but can be much more comprehensive than you may think.  Some plans start at under $200 a month and they all include maternity.  Employee Benefits is a good way to attract and retain good people.  As the economy continues to increase, people will be looking even harder at what benefits are being offered, in addition to the salary.

Again…..Employee Benefits DO NOT have to cost a fortune.  Let my daughters and I help you strategize your Business Health Insurance.  You will be shocked at the savings you can realize.  AND…your employees will appreciate it too!

Steve Brauer-President…..Brauer Insurance Services LLC….(408) 421-5555….3150 Almaden Expwy, Suite 203, San Jose, CA 95118

Let my daughters and I help you navigate the dysfunctional health insurance waters.  I’m a retired Police Sergeant from Santa Clara……so I’m used to dealing with problems that arise.  My website is www.brauerinsurance.com.  You can either get your own quote, or let me send you a personalized quote.  There are almost 100 plans to chose from, but usually there are only about 15 plans that people choose, that are affordable and comprehensive.

Health Insurance falls into two categories, both of which have deductibles.  One set of plans have SOME benefit up front, meaning they have office visits at a small copay, and prescriptions at another copay (after a prescription deductible).  The other kind of plan has the same type of deductibles, but you have to pay EVERYTHING up to the deductible before you realize any actual benefit.  These plans are cheaper, obviously.  The plans are priced like auto insurance…..the higher deductible you’re comfortable with, the cheaper the price.

I always recommend a mid-range deductible….too high is too much risk.  Too low, and your monthly payment is too expensive.  Neither is good, in my opinion.  A 20-something person can get a good plan for about $100 or so.

Health Insurance is a “necessary evil”.  What that means is that if you have any tangible assets, you HAVE to have some form of coverage.  To go without is simply foolish.  Even if you go with the super high deductible, if you have something major happen to you, you will not go broke.  Even someone in their 40′s or 50′s can purchase something with catastrophic coverage for $200-$300 a month.  A small price to pay if you end up with a serious medical condition.

Call us, we are NOT your typical pushy, sleazy, white shoes sales people.  If you want to buy insurance from us, great!  If not, that’s OK too…..really!

Steve Brauer-President….Brauer Insurance Services LLC….www.brauerinsurance.com    (408) 421-5555

At Brauer Insurance, we can help you strategize a Kaiser Group Health plan for your business so it won’t break the bank.  Most owners are not aware, that they are only required to contribute half of the employee only premium for someone in their 20′s.  That is literally about $75-$100 a month.  Some owners think they are tied to paying everything…you can even do what we call a “defined contribution”, meaning YOU set the amount you want to contribute and then let the employees pick the plan they want.  If they want an affordable plan, it won’t cost them much.  If they elect an expensive plan, THEY have to cover the difference over the amount you set.

Group Health Plans and especially Kaiser Group Health Plans do NOT have to cost you a fortune…..especially if you have a plan.  I like to say “many agencies OFFER Kaiser Health Insurance, we specialize in it!”  That means when you are a Brauer Insurance client, you are getting experts in the field….Employee Benefits and Health Insurance is ALL we do.  Everything else. like Life Insurance, Long Term Care, Auto, Home, Fire,  is all referred out.

When I started the business, I wanted to become really good at just one thing, instead of being so-so at a bunch of things.  It’s a huge compliment when an insurance agent that has been in the business for a long time, sends us a referral……it really validates the fact that they trust our expertise.  Employee Benefits, Health Insurance, Group Health Plans, is a very niche field.  Many agents are in it, but very few are considered experts.

Let my daughters and I help you and your company come up with a forward thinking, progressive strategy for your Kaiser Group Health Plans.

Steve Brauer-President…..Brauer Insurance Services LLC….(877) 421-4325…3150 Almaden Expwy, Suite 203, San Jose, CA 95118  (408) 421-5555

At Brauer Insurance, we pride ourselves on the Benefit Strategy that we’ve built that many employers have been wildly successful with.  The strategy can be used with any benefit package and is very creative.  It’s a proactive, forward thinking philosophy that is not for everyone.  And frankly it takes a few minutes to wrap your mind around the idea and how it could be implemented with each situation.  One of my biggest compliments came from a CFO that I was presenting to a few months ago.  I could tell he was skeptical from his body language and lack of questions.  After about 15 minutes of looking at the presentation and hearing me speak, you could tell the “light” went on.  He sat up in his chair, became engaging and was actually studying the material.  A few minutes later, he looked at the company’s HR Director and asked him, “how come our current broker hasn’t shown us this?”  I ended up getting the account the next day.  Biggest compliment I’ve heard in a long time!

Let my daughters and I set your company up with Employee Benefits that fits your needs.  Our services are totally FREE and we offer a ton of free services that your company may find useful….Free Cobra Administration, Free HR Compliance Center, Free Employee Assistance Program, etc…..   You will NOT find a broker that will help you more, or care about your business more than us, period!

Steve Brauer-President……Brauer Insurance Services LLC….(877) 421-4325…..(408) 421-5555….3150 Almaden Expwy Suite 203, San Jose, CA 95118

Our tagline is “Lots of agencies offer Employee Benefits….we specialize in it!”  I learned a long time ago that if you try to do EVERYTHING…..you never master ANYTHING!  At Brauer Insurance, we ONLY do Employee Benefits and Health Insurance.  We ARE the experts.  It’s a huge compliment when other agents come to me and ask for advice on Employee Benefit issues.  And even a bigger compliment when they try and copy my strategy.

At Brauer Insurance Employee Benefit Strategies is what we do.  Any broker can appear at renewal time and show employer groups a bunch of health plans, commiserate about the high price, and suggest they move to a cheaper plan.  That is NOT a strategy and any idiot can do that.  I have built our business from showing CFOs, HR professionals and business owners that there IS another way to administer your Employee Benefits.  Most of them have been programmed to just accept the rate increases.  You do NOT have to pay a fortune to have great benefits that make sense and don’t cost a fortune!!

Employee Benefit Strategies are NOT that difficult to set up.  There is a little bit of “out of the box” thinking, but once you understand the concept, the light bulb kicks in.  Brauer Insurance Services is a NO fee, family owned, Independent agency located in San Jose.  We have client groups all up and down California from San Diego to Truckee.  My daughters and I will help you navigate the dysfunctional waters of the Health Reform Act.  Oh, and by the way, our services are FREE.  Even though we give away a bunch of Added Value Services that most other brokers don’t have.

Steve Brauer-President……Brauer Insurance Services LLC…..(877) 421-4325…(408) 421-5555.   www.brauerinsurance.com