Health Insurance Agents

Valuable product solutions with simple and efficient quoting, enrollment and billing that makes it easy for you and your customers!

• Exclusive consolidated billing invoice.
• SBAM online service portal for communicating with our Member Care team.
• Free OneSource® administration for your SBAM customers.
• Quoting, underwriting, claims, and enrollment for Dearborn Life and Disability. 
• Composite Rating option that makes it simple for employers to manage and predict insurance costs.
• Compliance resources including Workplace Posters, Employment Screening, Handbooks, Legal services and Summary Plan Description.
• Pooled Employer Retirement Plan gives agents the opportunity for additional income and reduces risk and saves money for your customers.

We love our Agents!  And to show our gratitude, we have the Hall of Fame program to reward you for all of your hard work. Discover all the perks you and your agency receive:

• Free VIP level SBAM membership
• Discounted Non-Blue and Non-Sponsored COBRA rates
• Social media promotion for your Agency
• Website recognition for your Agency
• Included in our Lead Distribution program
• Small Business Briefing interview with Brian Calley
• Lunch for you and your staff

Qualifications:
New Business – 100 or more BCBSM/BCN Contracts plus three lines of coverage in COBRA, Dearborn, BCBSM/BCN.
Renewal Business – 200 or more BCBSM/BCN Contracts.

Your customer simply combines their basic plan information with the legal pages we provide and the SPD document is ready for distribution to all insured employees. Their company will be compliant with the rules and regulations of the DOL.

Your customer’s personal COBRA Coordinator sends all necessary letters and notifications, provides a monthly activity report and online access to their account, and collects premium payments from the COBRA-enrolled beneficiaries.

Our affordable and flexible plans allow your small business customers to offer a complete medical, dental, vision, life and disability package that will save time and money while reducing the hassles of offering employee benefit plans.

With the cost of health insurance continuing to rise, most employers ask their employees to share in the cost of health insurance through premium sharing, deductibles and co-insurance.  With SBAM’s flexible benefit plan administration in place, both your customer and their employees save through tax-preferred methods.

When your customers join SBAM as a Premium, VIP or Elite level member, they gain access to our Ask An Expert web portal for answers to all their Cybersecurity, HR and Legal Questions. Our partners, SensCy, American Society of Employers and Taylor English Law, are trusted experts that be relied on for accurate, timely information.

SBAM offers a composite rate option for our members enrolled in our sponsored health plan. Instead of assigning individual rates to each member of a group based on their age, gender, and other factors, a composite rate provides a single premium rate for all members of the group, offering a fair and equitable opportunity for all employees.

SBAM handles all of the billing and enrollment for our sponsored Blue Cross Blue Shield, Blue Care Network and Dearborn Life Insurance Company coverage through our internal member care team here in our Lansing office.

The SBAM Member Care Team will assist you with quoting, new business, policies, amendments and cancellations, agent commissions, and field support. Your small group customers can contact us for help with all of their insurance needs.

If you are changing your customer’s existing Blue Cross or BCN coverage to an SBAM-sponsored small group health plan, you’ll need to submit a rollover letter to BCBSM through your online OneSource agent account.

SBAM’s Accident Fund program provides an upfront 5% premium discount, and the program is dividend eligible. Dividend eligibility simply means that if the comparison of our premiums earned versus claims paid falls into the right range, then you get money back. We’re pleased to tell you that our enrolled members are receiving a 2% dividend payment this year!

The discounted workers’ compensation rates and dividend program available through Accident Fund is a great example of how SBAM, and the buying power of our thousands of members from across Michigan, can benefit your company. The savings you receive are well above the amount you pay for the cost of an SBAM annual membership.

Take a look at our Pooled Employed Retirement Plan powered by TAG Resources, Transamerica, and Graystone Consulting, a business of Morgan Stanley.  The program is cost effective and outsources employer administration and liability.  We’ve negotiated exclusive savings for our members including:

• Additional $500 annual credit for three years when a business establishes a retirement plan with automatic enrollment.
• No initial set up fees.
• Start up plans may be eligible for up to $5,000 tax credit to cover the TAG annual administrative fee (for 3 years).