Crown Benefits, LLC
Crown Benefits, is known for its responsive service to clients. We currently provide employee benefit consulting to small to mid-size businesses who are domiciled in the state of Ohio. Several clients have multi-site locations, some with locations outside of the state of Ohio. Our clients are treated with the utmost respect and are given the attention they deserve.
We use top carriers and place our clients with insurance carriers based on their specific needs and concerns. Keeping the premium low is always a priority, however performance of the insurance carrier and product offerings weigh heavily in the decision making process.
Top medical insurance carriers
Anthem
Aetna
Medical Mutual
United Health Care
The Physician’s Assurance Corporation
Significa
Assurant
Top ancillary insurance carriers
One America
Principal
Guardian
Standard Insurance
Unum
Superior Dental
Our Mission
We strive to provide a high level of education to our clients, freeing them from the burden of dealing with insurance carriers. We arm our clients with the understanding of Healthcare and place money back in our clients bank accounts.
Victoria A McCoy, RHU
Since 1994 Victoria has been President of Crown Benefits. She acquired her Registered Health Underwriter designation in 2002 and has become a recognized expert on Consumer Driven Health Plans, specifically, Health Savings Accounts. Victoria has been a guest speaker for the Fisher College of Business, Healthcare Women’s Business Alliance, NAWBO, FSP and NAIFA to name a few. She spends an enormous amount of time educating others on the ever changing plans and regulations in healthcare.
Industry Involvement:
►Board member, Columbus Chapter of the Society of Financial Service Professionals (FSP)
►Member, Columbus Chapters of Health Underwriters (NAHU)
►Member, Columbus Chapter of Association of Insurance and Financial Advisers (NAIFA).
Community/Business Involvement:
►Member, Columbus Chapter, National Association of Women Business Owners (NAWBO)
►Membership Vice President, Columbus Chapter, NAWBO
►Two Term, Past President, Columbus Chapter, NAWBO
►Board Member, NAWBO (National) Political Action Committee
►Founding Co-Chair Athena PowerLink Program, Columbus
►Advisory Board Member, Columbus Chapter, NAWBO
►Two Term Participant, State of Ohio Governor’s Minority Business Council
►Presenter and Curriculum Contributor, State of Ohio Treasurer, Women & Money Financial Work Shop
►Member, Westerville Area Chamber
►Programming Committee, Westerville Area Chamber
Client Care Process
There are four (4) phases of process we go through with our clients throughout the year. These phases are Planning, Implementation, Monitoring and Adjustment.
Planning
Most introductions to our clients begin with the Planning Phase where we provide the client a customized benefit and cost analysis of current and prospective plans. We spend time in getting to know the employer (as well as their employees) so we can address the areas of concerns. This will ensure a viable recommendation.
Implementation
We at Crown Benefits pride ourselves on the education we provide to both the employer and their employees. Employee meetings are designed to educate the employee on their benefit plan and also alert them to their responsibilities in assuring the highest level of benefits within their plan. We also address areas of concern in the medical industry to prevent additional expense to the employee. Employee education meetings are encouraged throughout the year as new employees enroll in the plan.
We request all enrollments be handled directly through our office and will work with the plan administrator to assure timely and accurate submissions to the insurance carrier.
Monitoring
Throughout the year questions and concerns arise. We feel it important to hear direct from the employer and their employees. One-on-one consultations are encouraged in all matters relating to employee healthcare/benefits and privacy is always maintained. Being involved throughout the year alerts us to areas of concern that may need to be addressed with the insurance carrier.
Adjustment
By this time we’ve spent the year listening to the employer and their employees. The renewal is received. It is our role to negotiate with the insurance carriers, make recommendations and adjust the benefit plans accordingly. Every effort is made to control rising premiums.
Product Offerings
Product Offerings provided through our preferred vendor listings. Offerings include the following:
Medical Insurance
Health Incentive Accounts
Health Reimbursement Accounts
Health Savings Accounts
Life and Accidental Death & Dismemberment
Dental
Vision
Short Term and Long Term Disability
Voluntary Benefits
Section 125 Plans
Flexible Spending Accounts
COBRA
Strategic Alliances
Strategic Alliances are necessary to round out the employers needs for services not provided by Crown Benefits. These alliances provide the employer comfort in working with a team of professionals and have been developed for the following services:
Pension which include 401(k), 403(b), Defined Benefit &
Defined Contribution Plans
Executive Benefits
HR Consulting
Third Party Administration
Payroll Services
Accounting and Bookkeeping Services
Medicare and Long Term Care Planning
Employment Law
Temporary Placement Services
Financial Planning Software Program
(developed for the mid income market).