Universal Bluepoint Corporation - Insurance Services

Universal Bluepoint Corporation Excels in Client Support
In the insurance industry, rates increase annually while benefits decrease. You pay more to get less every year and older insurance plans carry higher expenses.

Universal Bluepoint Corporation offers a wide range of client support services. These support services are intended to meet and exceed your insurance needs while adhering to all applicable federal, state, and local regulations regarding insurance plans.

Employee Education Seminars
UBC offers an informational employee education seminar for clients. Our insurance brokers extend our exceptional service to each of your participating employees by answering questions, reviewing policies, and training your staff to get the most out of their insurance plans.

We translate confusing insurance language to simple English by simplifying and visualizing the benefits.

We offer:

Quarterly Review/Product Update
UBC goes the extra mile by offering quarterly reviews and product updates four times a year to our clients. This provides you with up-to-date information, more flexible enrollment options, the latest insurance plans available, and the peace of mind in knowing your benefits consultant is working hard for you.

COBRA Services (Cal-COBRA/Federal Cobra)
Federal COBRA laws provide employees with the option to continue health insurance coverage when there is a disruption in the employee’s work history. This can occur when an employee changes jobs, becomes unemployed, gets laid off, or experiences an extended leave of absence for a family or medical emergency.

California provides even stricter COBRA requirements under the CAL-COBRA act. California residents can take advantage of extended COBRA coverage under this law.

UBC brokers are well versed in all federal and state COBRA regulations. We can provide you with COBRA compliant forms and consultations regarding local and federal COBRA requirements.

Analysis/Innovative and Creative Solutions
Universal Bluepoint Corporation is unique for many reasons. One of the most outstanding qualities that we possess is our commitment to innovative solutions. We believe in thinking outside the box in order to meet the needs of our clients more fully. We know that every problem has a unique solution and that solution may include adapting traditional methods to meet your unique insurance needs.

Not only will UBC brokers examine your current insurance plans, but we will also analyze the effectiveness of your current comprehensive insurance package.

At UBC, we do not compare your current insurance plans with possible solutions, we customize a package tailored for the needs of your participants and their dependants, even if it results in a monetary loss of profits for us.

Claims & Billing Support
Another unique feature of UBC’s service is our personalized claims filing. When you are a UBC client, there is no need to call an automated 1-800 number to file an insurance claim; you can speak directly to a benefits consultant who will personally file the claim for you.

By taking advantage of UBC’s claims and billing support, you never have to sit through an automated system again when you need insurance related assistance. Our knowledgeable, personable, and professional brokers are waiting to assist you with every step of the way, including questions regarding the insurance claim process, billing, benefits qualification, adding or removing a dependant, cost, and premiums.

Cost vs. Benefits
Choosing an insurance plan can be very confusing. The most expensive plan may make the insurance carrier more money, but that does not ensure that it will provide maximum benefits for the client. In insurance, you may not always get what you pay for. For UBC clients, cutting insurance costs does not equal a reduction in benefits. We work for our clients, not the insurance carriers, so we have no vested interest in selling high-priced insurance policies. Instead, our focus is on meeting your needs as a UBC client.

Qualifying Events
Certain life events can impact your insurance needs. These qualifying events often prompt a special consultation with your insurance broker. Events that will impact your insurance eligibility are: