Our job is to guide you through the world of health insurance and employee benefits, but we are not strolling through Disneyland. My job is to guide you through the world of health insurance and employee benefits; but we are not strolling through Disneyland. I love what I do but I understand the challenges in my industry and how difficult it can be.
It involves people's health and money and it is always complicated, expensive and frequently frustrating. We are in the middle of three massive forces; rising health care costs, an aging population, and government regulations and it has created the perfect storm which can leave people feeling like a leaf on the ocean. Fortunately, we are here to help you.
My firm has the right combination of personnel, knowledge, and expertise to keep you and your business on the right path and get you to where you need to go. Our approach is to provide you with the highest level of personal attention at the local level allowing us build the high trust long term relationships that maximize our ability to deliver value over time.
It involves people's health and money and it is always complicated, expensive and frequently frustrating. We are in the middle of three massive forces; rising health care costs, an aging population, and government regulations and it has created the perfect storm which can leave people feeling like a leaf on the ocean. Fortunately, we are here to help you.
My firm has the right combination of personnel, knowledge, and expertise to keep you and your business on the right path and get you to where you need to go. Our approach is to provide you with the highest level of personal attention at the local level allowing us build the high trust long term relationships that maximize our ability to deliver value over time.
Services
While we help many different people and types of organizations, central to our mission is working with closely held or owner-operated businesses with their employee benefit needs.
Everything begins from there.
By really knowing our clients and the challenges they face we are able to build the kind of long-term relationships that maximize our ability to deliver value beyond what the typical agency can provide.
This includes not just the owner or Principles of your company but your key support staff that makes everything run on a day to day basis.
Everything begins from there.
By really knowing our clients and the challenges they face we are able to build the kind of long-term relationships that maximize our ability to deliver value beyond what the typical agency can provide.
This includes not just the owner or Principles of your company but your key support staff that makes everything run on a day to day basis.
While each of us has a different specialty we always work as a team.
Our commitment is to help guide you through the maze that is employee benefits and provide you with the very highest level of advice and service while doing so.
Experience has taught us that by taking a team approach we can accomplish more than working alone.
We will fight hard for your interests and will strive to build successful long-term relationships that continue to grow over time.
John is an insurance broker and the owner of John Helms & Associates in Walnut Creek, Calif.
Our commitment is to help guide you through the maze that is employee benefits and provide you with the very highest level of advice and service while doing so.
Experience has taught us that by taking a team approach we can accomplish more than working alone.
We will fight hard for your interests and will strive to build successful long-term relationships that continue to grow over time.
John is an insurance broker and the owner of John Helms & Associates in Walnut Creek, Calif.
At John Helms and Associates we have our own unique perspective on the health insurance industry and try to share that with our clients in the form of newsletters and periodic public events.
Our work is original and something you will not find it anywhere else.
Whatever we do, we always try to add value and do it with your interests at heart, and sometimes with a little panache.
We Really Exist Probably the biggest reason I always try to meet face to face with someone before they become a client is that it gets the relationship off on.
Our work is original and something you will not find it anywhere else.
Whatever we do, we always try to add value and do it with your interests at heart, and sometimes with a little panache.
We Really Exist Probably the biggest reason I always try to meet face to face with someone before they become a client is that it gets the relationship off on.
The trend for health insurance agencies is to cut back on their staff and run lean rather than rich.
The Medical Loss Ratio in the ACA put severe pressure on revenues tempting agents to outsource or cut service altogether.
Many also limited the scope of their practice to the most profitable segments of the market becoming niche players.
This is even truer in the Bay Area where the cost to run a back office is prohibitively expensive.
The two primary purposes of owning health insurance are so people can have access to medical care when they need it and to prevent people from being financially wiped out in the event they do.
The Medical Loss Ratio in the ACA put severe pressure on revenues tempting agents to outsource or cut service altogether.
Many also limited the scope of their practice to the most profitable segments of the market becoming niche players.
This is even truer in the Bay Area where the cost to run a back office is prohibitively expensive.
The two primary purposes of owning health insurance are so people can have access to medical care when they need it and to prevent people from being financially wiped out in the event they do.
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