Disclaimers

• • Marsh U.S. Consumer, a service of *Seabury & Smith, Inc. facilitates the placement of insurance coverage on behalf of our clients.
    
    
  • The base medical rates filed by the carriers with the state agencies are the same rates provided to you. State law mandates that the premium charged to the insured be consistent regardless of whether you purchase through an agent/broker or go directly to the insurance company. The commission percentages may differ in some states and all carriers are not available in all states. By clicking "Get Quote", you are acknowledging and consenting to the above terms. You can count on Marsh U.S. Consumer, a service of Seabury & Smith, Inc. to offer high quality health insurance programs that will meet you and your family's needs.

   

  • Marsh & McLennan Companies, Inc. and its subsidiaries, which include Marsh U.S. Consumer, a service of Seabury & Smith, Inc. own equity interests in certain insurers and wholesale brokers. Information regarding such interests is available at http://global.marsh.com/about/Transparency.php.

   

  • In accordance with industry custom, we are compensated through commissions that are calculated as a percentage of the insurance premiums charged by insures.  We may also receive additional monetary and nonmonetary compensation from insurers, or from other insurance intermediaries, which may be contingent upon volume, profitability, or other factors.  This compensation may include payment from insurers for marketing related expenses or investments in technology.  Our compensation may vary depending on the type of insurance purchased and the insurer selected.
  • Where permitted by law, we may also earn and retain interest income on premiums held on behalf of insurers during the period between receipt of such payments from clients and the time such payments are remitted to the applicable insurer.
  • Marsh is prohibited by law in most states from altering the amount of compensation received the insurer based in whole or in part on the sale of this insurance. ¹

   

  	First Year	Renewal
  Aetna Health Inc.	12%	7%
  Anthem Blue Cross of CA	14%	6%
  Anthem Blue Cross and Blue Shield of Indiana	10%	4%
  Anthem Health Plans of Kentucky Inc.	10%	4%
  Anthem Blue Cross and Blue Shield of Ohio	10%	4%
  Assurant Health Group**	12%	4%
  Blue Shield of CA Life and Health Insurance	15%	5%
  Blue Cross and Blue Shield of Colorado	14%	6%
  Blue Cross and Blue Shield of KC Group (MO)	10%	5%
  Blue Cross and Blue Shield of Illinois	15%	5%
  Blue Cross and Blue Shield of Minnesota	5%	5%
  Blue Cross and Blue Shield of Nevada	14%	5%
  Empire HealthChoice Assurance Inc.	0%	0%
  Golden Rule Insurance Company	14%	5%
  Health Net of Arizona Inc.	10%	5%
  Health Net of California Inc.	8%	5%
  Horizon Healthcare of New Jersey Inc.	$10.15/month first and renewal
  Humana Inc.	12%	5%
  Regence Blue Shield (WA)	8%	2%

   

  In addition, Marsh may earn additional compensation based upon the volume of policies sold during a specific period of a calendar year for some carriers.  For additional details, please call 312-627-6316.

  **Assurant Health is the brand name for products underwritten and issued by Time Insurance  Company.

  **Cobra Coverage may be the best option for people with health conditions that might make them ineligible for other insurance plans who are in a course of treatment or who have significant pre-existing conditions. To preserve your right to a guaranteed-issue plan under HIPAA, you must exhaust your COBRA coverage.

  *In California, d/b/a Seabury & Smith Insurance Program Management, California License #0633005.

  ¹ This disclosure is mandated by New York State Insurance Department Regulation No. 194 (11 NYCRR 30.3(b) (5)) (Regulation 194) which we interpret to apply to the various anti-rebating insurance laws throughout the country, such as New York Insurance Law § 2324, which prohibits insurance companies, agents and brokers from sharing or rebating commissions as an inducement to making an insurance contract. Irrespective of whether Regulation 194 applies to anti-rebating laws or whether rebating is prohibited by law in your state, Marsh will not alter its compensation for this program