Individual & Family Health
Whether you need individual or family health coverage, allow us to assist you in making the right selection.
At Mercado Insurance Services, we recognize no two clients are alike. With varying coverage levels and monthly premium costs, it’s important to obtain insurance tailored to your specific needs and budget. We understand how the assortment of benefit options – preventive screenings, X-rays, lab work, hospitalizations, maximum out-of-pocket expenses – can be a deciding factor in what you choose. Our team of skilled agents can expertly guide you through this important decision-making process.
We pride ourselves in going the extra mile to make sure you fully understand all aspects of your plan.
Seniors & Medicare Supplemental Insurance
If you are a senior, age 65 or older looking for Medicare supplemental insurance coverage, we would like to help.
Seniors are constantly inundated with mailings and brochures. How do you know where to turn for answers to your questions? As is often the case, you might turn to friends or family for advice and while they likely have the best of intentions, they may not be able to provide the most accurate or up-to-date information.
We understand your need to have the perfect senior medical and prescription plan. As caring professionals, we will take the time to walk you through your options and address each of your concerns. Together we will compare plans best suited for your individual needs so you may be confident in your selection.
Our goal is for you to be comfortable with these common questions: What is my deductible, copay and coinsurance amounts, monthly premium, maximum out of pocket expense, and annual open enrollment. We are your partner and trusted advisor in Medicare supplemental insurance. Contact us today to discuss your specific needs and situation.
Property & Casualty Coverage
Mercado Insurance works closely with their clients to mitigate risk, reduce losses and lower premiums. We provide you with a professional and consultative approach only recommending the best solutions for your business to succeed.
Workers’ compensation is vital to your business. Accidents do happen and we will be there every step of the way. We will help you navigate with the workers’ compensation marketplace. We represent a vast number of carriers and work to find you the best solution. Our programs include claims management, case file reviews, investigative services, medical benefits and rehabilitation treatments. Our professionals will also help with: legislative changes, auditing your experience modifications, and much more.
Our team will also conduct a review of your safety programs. We will assure that you are up to par with all rules and regulations, including OSHA standards and provide feedback. Our solutions will provide a safer, more confident and productive workplace for your employees. Our clients also experience an increase in employee loyalty, retention and morale. Mercado Insurance provides you the best insurance solutions
Commercial Property. Commercial Auto. Commercial Umbrella. General Liability
Whether you are a small or large employer, Mercado Insurance Services is your trusted partner in employee health benefits. We work in partnership with our clients to assure we develop a strategic plan to enhance benefits, improve compliance and reduce premiums.
Our goal is to empower our clients and improve employee morale by providing these valuable services.
Benefits- we listen closely to our clients and analyze benefits plan costs against benchmark information and project the impact of medical plan design changes. Compliance - We assure our clients save tax dollars and are insulated from potential audits by consulting them with section 125 plans, COBRA administration, employee handbooks, FSA and H.S.A. plans. As your advocate, we also keep you abreast of changes in the Affordable Care Act Law and ERISA compliance.
Human Resource Service - Our valued clients have access to our comprehensive HR service to help insulate them from any potential employee labor disputes. Clients are able to access over 500 downloadable employment forms and educational attorney approved how -to training videos covering critical areas of hiring, retaining and terminating employees. Clients also have the option to call friendly and certified human resource professionals for questions or suggestions.
Online Benefits Administration – this service offers employers ultimate control and visibility to manage employee benefits. Our portal allows participants and managers to effectively perform all enrollment and benefit administration tasks. This saves time because employees are able to log in and view all benefits offered with a click of a button. Many of their questions are answered instantly. We are also able send your company data on real time basis with carriers and third party administrators to eliminate data discrepancy and errors.
About Mercado Insurance Services
Mercado Insurance Services takes pride in the knowledge that we work with the most reputable insurance companies in the business, such as Anthem Blue Cross, Kaiser and HealthNet. Our longtime association with these carriers allows us to guarantee commitment to our customers.
We keep current on changes to plans, rates and the latest on worker’s compensation and health care reform laws. We continually educate ourselves and stay abreast of industry changes that affect you and your coverage.
The Mercado Insurance Team takes pride in being an expert and knowing which carrier best fits your needs. We eliminate the guessing game and provide you the best carrier and plan