Frequently Asked Questions About Universal Bluepoint Corporation and Insurance
Insurance can be confusing, and working with an insurance benefits consulting firm is a new experience for many clients. We know you have questions, so we have provided a few of the most common questions and their answers below. If you have questions that are not listed below, please, feel free to contact a UBC broker to discuss your concerns, free of charge.

What sets UBC apart from other insurance brokers?
At Universal Bluepoint Corporation we strive to deliver trusted, personal service to each one of our clients, large or small. We believe in honesty, integrity, hard work, and trust combined with a contemporary knowledge and first-class service to provide a uniquely satisfying experience for each and every customer.

We know that there is no one solution to any situation. We customize our recommendations to meet your unique insurance needs. We pride ourselves on this type of one-on-one quality service, and we never charge you for quality service.

Why is working with UBC free?
We receive our pay from the insurance carrier you select. We do not have a vested interest in one carrier over another. This system enables us to concentrate on superior customer service and solutions instead of bottom-line profits. We offer our ongoing service free of charge to all clients.

What types of insurance plans are available from Universal Bluepoint Corporation?
UBC is an insurance broker. That means that we are able to offer our clients policies from any insurance carrier that provides service to California. This brokerage relationship allows you to benefit from our service, expertise, and selection while finding the perfect insurance solution for you- at just the right price.

There are three main types of managed health care plans: PPOs, HMOs, and POS plans. Our experienced consultants have an extensive knowledge of the nuances of each type and the details of each plan we offer. We will help you understand the options you have to choose from so that you can make the right choice. We provide support and service each step of the way.

I own a company. Should I offer group health insurance to my employees?
Yes! Health insurance matters to workers! Studies have shown that employees value health insurance benefits second only to monetary compensation. Providing an attractive benefits package to your employees helps reduce employee turnover and will help you attract and keep more qualified employees.

Providing group health insurance is also beneficial to your out-of-pocket expenses. The more participant who enroll; the lower the premiums. This discount can even extend to your personal and comprehensive insurance needs.

In addition, there are tax incentives available to you and your employees when you participate in a group health insurance plan. Businesses can generally deduct 100% of the premiums they pay, and are often able to reduce payroll taxes. Another attractive feature of group health insurance is guaranteed issue. No one is declined, regardless of his or her past medical history, diagnoses, or previous conditions.

How do I qualify for group health insurance?
In order for a company to meet the qualification for applying for group health insurance, the business must:

1) Be a legitimate business entity, verified by a business license or fictitious name filing (proprietorships and partnerships), articles of incorporation (corporations), or articles of organization (such as a limited liability company).

2) Consist of a minimum of two full-time owners, officers, partners and/or employees, as verified by officially filed, state quarterly wage and tax statements (such as the DE-6 in California) or annual federal tax return documents.

3) Meet the minimum employer contribution percentage set by the individual insurance company.

4) Employ 1099 employees. Be sure to ask a UBC broker about this option if it applies to you!