Frequently Asked Questions

We’re the liaison between you and the insurance carriers. We help you choose, set up, and manage the health and supplemental benefits you offer, so you aren’t sorting through carriers and plans alone. We compare options, explain them in plain language, and stay available after enrollment. We handle carrier service items, help employees through qualifying life events, and support your company with compliance.

Oak + Anchor is compensated through the insurance carriers.

We specialize in employer groups of 30–500 employees. If you’re near that range, we’re happy to talk it through.

We serve small businesses in Ocala, The Villages, Lady Lake, and across Central Florida.

Health insurance covers medical care. Ancillary and supplemental benefits, such as dental, vision, accident, life, and hospital indemnity, fill in the gaps and add protection. Together they make a stronger package for your team.

Both pay cash benefits directly to the employee after a covered event, which they can use however they need, including for out-of-pocket costs. They’re optional, but they can ease the cost of an unexpected injury or hospital stay.

We tailor our enrollment strategy to what each client needs. We typically use online enrollment technology, but we’re happy to use paper when a client requests it.

We start working with clients 60–90 days before their renewal. Starting early gives us time to compare options and avoid a rushed decision.

Your employees can call us directly with questions. We’ll guide them through the process and point them in the right direction.

It’s often possible through a broker-of-record change, but it depends on the carrier and your timing. We can review your situation and tell you honestly whether the timing makes sense.

Group employee benefits are our primary focus. Along with group health insurance, we offer ancillary and supplemental benefits such as dental, vision, life, accident and hospital indemnity coverage. We also offer individual life, travel health, jewelry and event insurance.

While a comprehensive benefits package is important to employees, having too many options can also create issues. We help to create a balance of practical benefit options that are functional while ensuring the individual is appropriately educated on the lines of coverage they are purchasing.

The applicant pool in Florida is a tough market to penetrate. Unless you are offering competitive salaries and benefits, chances are your positions are often a revolving door. Statistics show that 78% of candidates consider a comprehensive benefits package to be as important, if not more important, than salary alone. There are also significant tax benefits for small business owners that contribute to health insurance for their employees.

Absolutely. The best way we can accurately offer recommendations is by doing a comprehensive analysis of the current program and having a one-on-one information gathering session with the decision makers to determine how to best align with the overall goals and strategies of the organization.