Nefouse & Associates is a relationship based agency
We stress the relationship we have built with both the carriers and our clients. We use our carrier relationships to deliver the best options the industry has to offer. Our relationships are built on trust. These relationships create savings from both a monetary standpoint and a time standpoint for you the client.
We represent our clients with the Insurance carriers. This means we work for you and not the carriers. Here at Nefouse and Associates we feel the carriers work for us. This is a very different view than most agencies. We will represent your best interest in the health insurance market. This means the options we bring to the table are the best options for your situation.
Group Health Market
We can take your health insurance needs to market on your behalf. If you are a group plan, we will shop out the health benefit plan from the best carriers. We will also create competition from the carriers to win your business. We are able to do this in a situation where underwriting is involved. This creates huge savings for our clients. When we create carrier competition it brings out the best in everyone.
Individual Health Market
This is a very confusing area for the consumer. We are able to recommend the best plans for everyones unique situation. We have a high knowledge of both on and off the exchange market. We can deliver the best health plan to meet your budget.
We are able to offer, the best Dental, Vision, Life, & Disability plans in the market. This has become a very competitive market place. There are carriers that are willing to compete for your business plans.
When it comes to this type of Individual and Family coverage we have already searched the market place for the most competitively priced products. We understand life is very busy so if you don’t have time to take a physical for Life Insurance of Disability, we are able to offer a simplified process.
Administration Service Only Plans (ASO)
We have seen the emergence of the self funded and partial self funded plan options. We have an extensive background in the self funded market. These insurance vehicles can be complicated and we are able to explain it if this is a good option for your case. We have become very good at saving our clients a large amount of money using these arrangements. We are able to deliver the deepest network discounts to our clients on claims. We also make sure the clients retain those network discounts.
We deliver a high level of education to our clients on how insurance plans work. This is an important service because most people find insurance to be a confusing subject. We can educate employees or families on how the plan is going to impact their family and loved ones. We also stress the value of such benefits.
We take our agent responsibility very seriously. We will deliver you a high level of services when it comes to medical claims, administration, or answering questions. We are always here to answer your call or to respond to your emails. We will always respond in a timely manner.
Looking for a travel insurance plan? Compare and review several policies, including cancellation insurance, emergency travel service, medical coverage, and much more.
Nefouse & Associates has actively worked to understand and take advantage of health care reform for nearly 30 years. We have a proven track record of assessing all state and federal reform laws and adapting the positive aspects to suit our clients’ needs. We strive to be your go to source for understanding.
Small group coverage is ideal for companies with between 2 and 50 employees. To find the best deals, you need a brokerage that understands the market and is contracted with all the major carriers in the state. At Nefouse & Associates, not only are we contracted with the bigger carriers but we’ve also taken the time to build relationships with them.
Nefouse and Associates has been selling Indianapolis residents individual health insurance policies for more than three decades. Whether you find yourself between jobs and looking for a less expensive alternative than a COBRA plan or you’re self-employed and want to make sure you’re covered in case anything happens, Nefouse & Associates can help you weigh your options and find the plan that is best for you.
Group medical insurance is typically purchased by small and mid-sized businesses thats need coverage. The group policy market is for ever changing and we operate with a proactive approach. Our performance is what sets us aside from other agencies. It does not matter if you are a startup company or Fortune 500 we will help you meet your goals.
At Nefouse and Associates we excel in large business coverage. We work diligently to negotiate on behalf of our clients. Our dedication to cost reduction can lead to hundreds of thousands of dollars’ worth of savings over time.
Nefouse & Associates is here to serve you with the most affordable and competitive coverage solutions. The best part is, we’re here if you ever have any questions! Individual and family health quotes are quickly generated using our quote engine software so that you can make educated decisions based on multiple carrier quotes.
Wellness is a major factor in today’s employee benefits market. Nefouse & Associates understands why businesses feel wellness must be addressed. At a company level, wellness programs are an investment in the overall well-being of the employee. And healthy employees can lead to lower costs for the organization.
While it can be confusing for local business owners to choose a health insurance plan for their employees, if you’re self-employed or need personal life insurance for other reasons, you can have just as many (if not more) questions. Nefouse & Associates can help answer all of your questions about personal life insurance options.
Self-funded health care is a self insurance arrangement in which an employer provides health or disability benefits to employees with its own funds. At Nefouse & Associates, we will help you get the best deal on any self-funded plan design to save your company money and get your employees covered!
What happens if you become disabled and are unable to earn the money necessary to survive? By purchasing disability insurance, you can replace income lost by these events, pay your bills, and concentrate on getting well.
Under the Affordable Care Act, there has been a complete transformation of Indiana healthcare options. One of the biggest improvements to the individual market is guaranteed issue. Now an individual plan cannot deny coverage for ongoing conditions. This has already helped a lot of early retires obtain a health policy, and in some situations, allowed some Hoosiers to retire early.