Frequently asked questions
Twenty questions Jeremy is asked most often, answered the same way he would answer them on the phone.
For Employers
No. Voluntary benefits complement your existing coverage and help cover out-of-pocket expenses that traditional plans leave behind. We also offer traditional health insurance options if you want to expand or replace your current coverage.
Yes, but minimal. These benefits are far less expensive than traditional full health insurance packages. Many employers choose them specifically because they offer a cost-effective way to attract and retain quality employees while showing genuine care for their team.
Most businesses can have a custom benefits package ready within a few days after the initial discovery call. Jeremy keeps things moving quickly without cutting corners on finding the right fit for your team.
Boyles Benefits Group specializes in small to medium-sized businesses. Groups as small as 3 can qualify for guaranteed-issue coverage with no health questions required.
Under 50 full-time-equivalent employees, no — the Affordable Care Act's employer mandate does not apply to you. Most small employers who offer benefits do it because they are competing for good people, not because they are required to.
It depends on the product. Carriers offering small-group medical typically require the employer to contribute toward employee-only premium — often around half — and to meet a participation threshold. Voluntary products frequently require no employer contribution at all.
Jeremy starts the renewal conversation early, with your claims picture and alternatives in hand. You should never receive a rate increase for the first time three weeks before it takes effect.
Yes. After enrollment you receive a deduction schedule listing each employee, each product and each per-pay-period amount, in the format your bookkeeper or payroll platform needs.
That is normal and expected, particularly where a spouse already carries family coverage. Participation requirements vary by product and carrier, and Jeremy will tell you upfront what threshold a given plan needs.
For Individuals & Families
Yes. Spouses and dependents are eligible, and dependents can remain on coverage up to age 26. Jeremy walks employees through exactly how to add family members during the enrollment process.
Yes. Individuals, families and the self-employed are a significant part of the practice — ACA marketplace plans, subsidy eligibility, alternative plan designs, life insurance, and dental and vision coverage.
Not on ACA-compliant health plans, which cannot deny you or charge you more because of health history, and not on guaranteed-issue voluntary products at initial enrollment. Health care sharing arrangements are the exception — they commonly phase in pre-existing conditions, which Jeremy will explain before you enroll.
During annual open enrollment in the late fall, or within roughly 60 days of a qualifying life event such as losing other coverage, marriage, divorce, a birth or adoption, or a permanent move.
No. Carrier commissions are built into the premium whether you use a broker or enroll on your own. Working with Jeremy costs you nothing extra and gives you someone to call when something goes wrong.
It depends on income replacement, debts, future obligations like college, and what you already have. Rules of thumb are a starting point only — see the worked example on the life insurance page for how the number is built.
Working with Jeremy
Fifteen minutes of questions: headcount or household size, what coverage exists today, what it costs, what you wish you could offer, and any deadline you are working toward. No presentation and nothing to sign.
Tailored options typically arrive within 24 hours of the discovery call. Phone and email during business hours are answered the same day whenever possible.
No. Boyles Benefits Group is an independent brokerage, so plans from multiple carriers and multiple funding models get compared side by side.
Then Jeremy will tell you that. It happens, and saying so is the fastest way to earn the call you make two years from now when circumstances change.
Yes — throughout the Tulsa metro and communities across the Midwest. Virtual meetings are available when they are easier on your schedule, including for employee education sessions.
Still Looking
Did not find your question?
Ask it directly. Jeremy answers benefits questions whether or not you ever become a client — and the answer usually takes less time than searching for it.