""Health insurance prices are the same for any broker but the way Jane approaches things is a little different. She has helped several of my clients not only lower their premium, but get more options. You can rely on Jane to shop around for the best fit for your company. I would trust her with any one of my clients."
Steve Ruffino, Account Sales Manager, E-Chx Payroll Provider
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The Ahrens' Agency has a knowledgeable staff who are committed to serving all your employee benefits needs. What a breadth of fresh air it is to have a proactive agency working for your company's employees needs, so you don't have to.... with the Ahrens' Agency's proactive approach to serving your employees benefits needs, you have time to concentrate on other areas of your business.
Stephanie Fulmer, Project Administration/Office Manager, MGB Building, Inc.
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"Before I met Jane Ahrens I was very frustrated with the organization that was administering my medical and dental coverage. I would call with a question and be transferred to multiple people spending way too much time on the phone instead of focusing on my business. My dental insurer did not cover my dentist as he was considered out of network so I was paying a dental premium for very, very little coverage.
I met with Jane who simplified everything. She spoke in layman’s terms that I could understand. I changed medical and dental insurers and now the majority of my dental bills are covered. I even avoided a rate increase due to Jane’s advice regarding when I should switch my plans.
Jane is readily available to answer my questions and does not give up on a problem until it’s solved.
I’m a happy person! If you carry medical and dental insurance you owe it to yourself to have Jane review your coverage."
Rebecca J.
Independent Consultant, Young Living Essential Oils
Get Well Naturally
Telephone: (585) 739-9537
Email: danielsr@rochester.rr.com
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"When I came to Jane to ask about getting quotes for health and dental insurance for our small company I really didn’t think that we had any options since we are so small. Jane came back with several different options and took the time to explain the benefits and downsides to each plan. It was clear that she was very concerned with knowing I understood the differences between the plans and how they would impact us in real life and not just comparing the bottom line cost from plan to plan. She also gave me options for accident insurance that I wasn’t aware of either.
Jane was very professional and answered all of my questions promptly while making my decision. She was also extremely helpful during the enrollment process and took care of all the issues and questions quickly that came from the carriers. Now that we have our insurance plans setup I have had a few follow up questions and Jane is always there, getting back to me quickly and I know that Jane will continue to help in the future if I need her. It’s a pleasant surprise to find someone offering a service that makes you really feel that you are important to them and Jane has done just that. Her courteous professionalism has been a pleasure and I look forward to working with her in upcoming years as our business grows."
Laurie Friedo, co-owner, Big Sky Excavation LLC, Big Sky Excavation One important point: You cannot use both a health care FSA and an HSA. Your employer can develop a “limited” FSA that covers only vision, dental and childcare. But if you have an HSA, you cannot also have an FSA. NOTE: As an example of just how complex this whole health care world really is, we reported in this column last year that you COULD use both an FSA and an “employer-only” HSA. Alerted by a respondent to this blog (Jane Ahrens), we went back to our insurance consultant and asked the question again. After additional research, the answer was clear—the HSA could accept both employer and employee contributions. And a health care FSA cannot be used in conjunction with it. We apologize if any of our readers got caught in the same dilemma. If you want to know how we reversed the problem, drop a line to kgardner@cgr.org. Kent Gardner, Ph.D. President & Chief Economist
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Published in the Rochester (NY) Business Journal January 2009
see the complete article at:
http://www.policy-wonk.org/kent-gardner/making-sense-of-health-savings-accounts-2/
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Ahrens Benefits Company
2117 Buffalo Rd #274
Rochester, NY 14624
585-880-8156
585-815-1658 - Fax
info@AhrensBenefitsCo.com
