406 Insurance · Hamilton, Montana
Employee benefits
Group coverage for a Montana business with people worth keeping.
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Who this is for
The people we usually see for this
Owners and office managers across the valley, from a contractor with a handful of crew to a clinic or shop that keeps growing. You want to look after your people and hire well in a small labor market, and the math still has to work.
What people get wrong
Plenty of small businesses assume they're too small for group benefits. Often they aren't.
Others judge a plan on premium alone. We build several quotes and scenarios so you can see employer contribution, employee cost, deductibles and networks side by side, along with extras your team may value more than you'd expect, like dental, vision or a wellness program.
Before you call
What people worry about
Three things come up almost every time.
I've never set this up before
That describes most owners who call us. We explain the terms as we go, so you can decide without learning a new industry first.
Our renewal jumped again
Before you absorb another increase, it's worth looking at the plan design, the contribution split and other carriers.
Can we afford this
Your contribution and your employees' share both have to fit. We model a few versions so you can see where the numbers land.
Our work
Where we come in
We turn a pile of quotes into a clear choice. Carriers, plan designs, costs, and benefits beyond medical: dental, vision, life, disability and supplemental coverage.
Group plans come with paperwork, reporting and the occasional audit, and the business carries that responsibility. We bring the tools and support to keep it manageable all year.
What working together actually looks like
We learn the business first: headcount, budget, and what you want benefits to do for you. Then we lay out the options and choose together.
After that we handle enrollment, answer employee questions and step in when someone needs an advocate with the carrier. We stay on it through renewal and every month in between.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
Yes. As independent insurance agents, we work with multiple established insurance carriers and offer a variety of insurance products.
That lets us look beyond a single company or a single type of coverage, and help you consider options that fit your lifestyle, your budget, your family and your overall protection needs.
We offer a broad range of health and protection options for individuals, families, small businesses and retirees. That includes individual and ACA health insurance, life insurance, disability and income protection, accident coverage, cancer, hospital indemnity, heart attack and stroke coverage, long term care planning, employee benefits, and Medicare coverage.
You might also want to look at
People who buy their own health coverage often end up asking about these.
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For people new to Medicare, new to the valley, or checking whether their Advantage plan still fits.
For people who want steady, predictable costs and access to providers anywhere Medicare is accepted.
Coverage that pays an agreed amount directly to you after a covered diagnosis, so you can put your energy into getting well.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
