Setting up a new group benefits package takes between 30-90 days to complete. We will have a few short phone consultations throughout the process. Plan renewals: 30-60 days.

First, we'll need your staff census. This is a document with the full name of each employee, their date of birth, resident zip code, eligibility status (full-time, part time or 1099), start date and salary.

Next, we will discuss your business goals and your budget to help determine which benefits might be a great fit for you and the best funding strategy for your business.

Next, Cornett Consulting will complete a 10-point assessment which helps us determine what benefits might be a great fit for you. It will take 3-5 business days to complete this process.

Lastly, we will present you with your options and you'll select your benefits. Cornett Consulting will assist you in completing the enrollment process for your business and we are happy to assist your staff as well.

Each year we will discuss your renewal options and if necessary, we will assist with plan changes and/or disenrollment's. Plan renewals take 30-60 days. to complete.

To complete your benefits proposal, first, we'll need your staff census. This is a document with the full name of each employee, their date of birth, resident zip code, eligibility status (full-time, part time or 1099), start date and salary. The carrier will also require a copy of your business tax returns for the last two years. Click here to get a blank "staff census" form that you can complete and send back to us to start the proposal process.

As required by Federal law, your information is stored using HIPAA encrypted software which is the highest security available. Your information is NEVER shared with ANYONE without a "need to know". This means we only share your information with the carrier for which you are applying or with the "Program" for which you are applying. For more information about how we protect your information, click the links to view our terms of use and our privacy policy.

We only offer "A-Rated" Carriers as reported by AM Best These are companies like...

AARP, Aetna, AM Better, Anthem, Blue Cross, Cigna, Devoted, Humana, Kaiser, Scott & White, Oscar, Mutual of Omaha, United Healthcare, Wellcare, Delta Dental, Met Life and hundreds more.

To answer this question, it’s important to first understand that you may not have to pay any health insurance costs at all. That’s because not every company is required to. If you have less than 50 full-time staff members, you don’t need to offer it – but you may want to anyway. If you have 50 or more employees, however, you’ll either need to provide health insurance or pay an Affordable Care Act (ACA) tax penalty. In addition, there may be other situations that require you to offer health insurance like a union agreement. Most employers who offer coverage, are required to cover at least 50% of the employees monthly premium. Spouse and dependent contributions aren't usually required.

Health insurance costs vary widely but the average annual premiums for employer-sponsored coverage in 2022 were $7,911 for single coverage and $22,463 for family coverage. When you take into account the average contributions by workers, which were $1,327 for single coverage and $6,106 for family, that brings the average employer health insurance cost to $6,584 and $16,357 respectively. 

If major medical is out of the budget right now, we have benefit packages for all businesses and budgets. Some plans require NO contribution from the employer so please, don't hesitate to reach out and learn about all your options TODAY! Call or text your questions to: 520-272-5950 or BOOK A FREE CONSULTATION to talk with a friendly, knowledgeable, Account Manager.

The answer to this question, depends on the size of your company and which benefits you offer. You will have several required deadlines to meet so be sure you're prepared ahead of time. You'll have 30-90 days to introduce and enroll new staff members into their selected benefit plans. You'll have disenrollment deadlines and renewal deadlines to meet. You're are also required to provide written disclosures and documents to your staff members in a timely manner. You can handle your benefits in-house by a trained staff member or you can hire an outside "third party administrator" to handle compliance.

HEALTH INSURANCE

Covers claims for inpatient services, outpatient services and prescription drugs.

DENTAL & VISION

Covers clams for dental & vision exams, major services and appliances

ACCIDENTAL INJURY

Pays cash directly to the member to help cover their deductible and other out of pocket expenses due to an accidental injury.

CRITICAL ILLNESS

Pays a lump sum directly to the member upon diagnosis of a critical illness. These funds help cover 3-6 months of income so members can focus on recovery and not on their finances.

SHORT AND LONG TERM DISABILITY

This coverage insures your paycheck! If the member is sick or injured and unable to work, the plan will pay a monthly cash benefit to replace part of their income until they can return to work or until benefits expire.

BUSINESS TRAVEL

Business travel can be VERY EXPENSIVE! Protect your investment while also ensuring you and your staff are safe, healthy and happy when traveling outside if the United States.

LIFE INSURANCE

Many members can't get life insurance outside of a group plan due to health or other lifestyle reasons. By offering a group life plan, you can give your staff access to this important coverage at discounted rates.

RETIREMENT PLANS

Retirement plans are a highly sought after benefit when prospects are considering a new employer. Financial security is about more than just the here and now. It's about offering peace of mind for their future as well.

FIXED INDEMNITY PLANS - WORKPLACE WELLNESS

Reimbursement Health Plans that pay claims according to a predetermined fee schedule, regardless of the actual bill.

DISCOUNT ONLY

With these types of plans, no benefits are paid on the members behalf but what they offer is even better than that! You're buying your way into their specific network of providers which, in turn, gives you their contracted (discounted) rates. This saves members anywhere from 15%-65% on health, dental, vision and prescription services.

LICENSED SINCE 2003

Benefit and retirement needs are unique to each business. We take the time to get to know you and your custom needs, your business goals and of course, your budget. We're partnered with the most financially strong carrier partners and we use tried and true, money-saving strategies to give our clients the advantage.

When you work with Cornett Consulting, we specialize in providing you with the most coverage for the least amount of money. We use a variety of financial strategies, complex calculations and technology tools to keep us steps ahead of the curve, giving our clients better control over their benefit dollars.

Call or Text your questions to: 520-272-5950, we look forward to serving you and your staff for years to come!

All services are free. The carriers pay us for our time and expertise.

Email us at [email protected] or call or text us at 520-272-5950. We are open six days per week to assist you with all of your questions and to support your staff. You can also reach out to your insurance carrier at the "customer service" phone number provided on your member ID card.