1.
Our COBRA Counseling Initiative is intended to reach out to terminated employees in a compassionate manner and help them to determine the best healthcare solution for themselves and/or their dependents.
Health Insurance is difficult for the average person to understand in any event, let alone when dealing with the other issues surrounding a job loss. Left on their own, most terminated employees are simply not capable of understanding all of their options and tend to naturally gravitate to an easy and familiar COBRA election. Passive encouragement efforts have not worked.
2.
Risk Mitigation for the Self-Funded Health Plan Actuaries and Benefit Consultants will tell you that high cost COBRA participants are dangerous to the well being of your health insurance program. Former employees willing to pay the "high" premiums for COBRA are likely to result in substantially higher claims than your active employee group.
By proactively counseling these folks about other options, including Federal Premium (and Coverage) subsidies, the Better Than COBRA service can significantly reduce your plan's exposure to high COBRA claims and shift this burden to Spousal Plans or the Public risk pools
The Principals of Lighthouse Benefit Resources, Inc. have a combined 70 years experience in the Insurance and Benefits Industry.
Qualify for a tax credit to lower what you pay for private health insurance in just minutes
Most people save money by enrolling in private health insurance instead of COBRA
Compare numerous plans in seconds and get the best coverage at the lowest price
Enjoy the power of choice - select your insurance company, your doctor, and your level of coverage (instead of being limited to only COBRA offerings)
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Real-time quotes, anytime 24/7 - then compare, save, and enroll
Unbiased advisors to answer your questions and help you enroll
Year-round policy help so you avoid long wait times with your insurance company
225 Marina Drive
St. Simons Island, GA 31522
Use direct dial: (912) 638-8600
mmaloy@betterthancobra.net
225 Marina Drive
St. Simons Island, GA 31522
678-575-6606
bmmurphy@betterthancobra.net
225 Marina Drive
St. Simons Island, GA 31522
Direct Dial: (912) 638 8600
Fax: 770.634.1819
akornegay@betterthancobra.net