Our Services
We Specialize in Employee Benefits
We have over 50 years combined experience helping employers of all industries address their employee benefit needs.
Local Company
We are centrally located in Riverdale, UT so we can effectively serve
our clients anywhere along the Wasatch front, the continental United States, or around the world.
Independent Agency
We are not associated with any one company; this allows us to shop the market with an unbiased view ensuring our clients bests interests are met.
Access to Top Benefits Attorney
For Quick answers and opinions on Cobra, HIPPA, HSA's, etc. we consult with Mr. Jeff Clayton of Callister Nebeker and McCullough.
Annual Pre-Renewal Meetings & Plan Review
Periodic Plan Experience and Claim Review
On-Demand Service Calls
Claims and Enrollment Assistance
For Service "Year Round"
Life & Health Insurance
Life Insurance
Voluntary and Employer Sponsored Group Life Products, Individual Life Policies
GROUP LIFE
Group Life is a relatively inexpensive benefit that is greatly appreciated by employees. By purchasing life insurance coverage as a group, you are able to insure employees that would not be able to obtain coverage on an individual basis, or purchase life insurance at competitive rates.
Group Life plans can be offered as either employer sponsored or as voluntary employee paid plans.
We offer supplemental life, dependent life, and AD&D policies as well.
GROUP DISABILITY/ INCOME INSURANCE
Disability coverage provides employees with income protection against disabilities and illnesses that prevent them from working. The risk of disability is greater than most people realize. Look at these recent statistics:
- Disability Insurance protects your income in the event of a disability.
- Disabilities affect one-fifth of Americans (approximately 49.7 million).
- On average, about 2,329 disabling injuries occur every hour during the year.
- A disabling injury occurs every eight seconds at work.
The following is list of some of the national life and disability carriers we use:
- Hartford
- Humana
- Lincoln Financial
- MetLife
- Mutual of Omaha
- Prudential
- Reliance St
Health Insurance
Group, Individual, Family, and Short Term Medical and Dental Plans
GROUP MEDICAL
COMPREHENSIVE RFP (REQUEST FOR PROPOSAL) PROCESS
Employer Benefit packages are our speciality. Group Health plans are generally the core of most employers benefit packages. Many medical carriers offer plan designs that may appear
to be the same but can be very different. Not only do we do the shopping and bidding process to find the best carrier for your company, we also place each carrier on a side-by-side comparison grid to help point out differences in each carrier's plan design.
Medical Carriers we work with:
- Aetna
- Altius Health Plans
- Assurant Health
- Blue Cross Blue Shield
- Cigna
- Educators Mutual
- Humana
- Select Health
- United Health Care
- Many others as needed
EMPLOYER SPONSORED DENTAL PLANS
Another way employers attract and retain quality employees is to offer a group dental plan. Group dental plans can be offered as employer sponsored (employer contributes toward the premium), voluntary dental (employee paid), or self-funded. We work with several major dental companies nationwide. Below is a small sample...
- Aetna
- Altius
- Assurant Health
- Blue Cross Blue Shield
- Cigna
- Delta Dental
- Dental Select
- Educators Mutual
- Go-Direct Dental Plans
- Guardian
- Humana
- Lincoln Financial
- Reliance Standard
- Select Health
- TDA
- The Standard
- UHC
EMPLOYEE BENEFITS PACKETS
We specialize in Employee benefit packets which are tailor-made to each employer. These hands-on packets provide valuable information about your company's benefits. This packet will save your HR department training time, and prevent misinformation.
INDIVIDUAL AND FAMILY PLANS
Keyes Insurance also provides individual and family plans
- Individual and Family Health Plans
- We work with all the major Health plans in the state of Utah, such as Blue Cross, Select Health, Altius, Humana
- Temporary Insurance Policies
- Children's Policies
- When you are unable to obtain coverage from the private market, we can help with application and enrollment for the Health Insurance Pool of Utah (HIP).
- We can help you get in touch with OCHA (Office of Consumers Health Assistance). This state division helps residents of Utah find and maintain insurance in unique circumstances.
Business Liability Insurance
Keyes provides Business Owners packages that include:
- General Liability Insurance
- Commercial Auto
- Business Personal Property
- Workers Comp
Home & Auto Insurance
Our Casualty Department specializes in...
- Home
- Recreational Vehicles
- Motorcycles
- Boats
- Watercraft
As an independent agency, we are licensed with several carriers which allows us to compare coverages to find the best price for our clients.
Most of our carriers offer multi-policy discounts and several other discounts, such as: good student, multi-car, multi-driver, clean driving, etc.
We have employee group discounts with several carriers. We are also able to write commercial vehicle, business liability, and worker's comp.
The folowing is a list of our current carriers:
- MetLife Auto & Home
- Progressive
- Foremost
- Auto Owners
- Guardian
- Travelers
Administrative Services
125 Cafeteria Plan & HRA Administration
Keyes Insurance Services has a TPA (third-party administration) division, Keyes Administrators. This is a tremendous advantage when coordinating benefits for employers. Most agencies must outsource their TPA work. With Keyes Administrators you have one number to call.
SELF-FUNDED DENTAL ADMINISTRATION
Go-Direct Dental Plans - a subsidiary of Keyes Insurance Services, Inc. - specializes in Direct Reimbursement Dental administration. Direct Reimbursement Plans will put you in control
of your dental benefit dollars. DR plans have very high employee satisfaction and low administration fees.
HRA (Health Reimbursement Arrangement) ADMINISTRATION
Health Reimbursement Arrangements have become increasingly popular over the past few years. Keyes Administrators - a division of Keyes Insurance Services, Inc. - can provide quality H.R.A. administration for your company. Let us help you custom design an H.R.A. that fits your company's needs.
CAFETERIA PLAN ADMINISTRATION
Keyes Administrators has been providing quality 125 plan administration for several years. By implementing a Section 125 Cafeteria plan, your company can reduce it's payroll taxes while at the same time increasing your employee's take home pay. A cafeteria plan allows employees to pay for health insurance premiums, day care expenses, and other qualified medical expenses on a pre-tax basis. This can mean a substantial savings for your employees on state, federal, and FICA taxes.
Not only do the employees save money, your company can too! By subtracting the employees pre-tax contributions, your company will save on FICA matches.
IT'S A WIN-WIN FOR YOU AND YOUR EMPLOYEES!
This benefits you as an employer by...
- Minimal administration duties on your part
- Reduces payroll taxes
- Gives employees added benefits
- Very inexpensive to implement
This benefits your employees with...
- Increase take home pay
- Reduces Federal income tax
- Reduces State tax
- Reduces Social Security tax
Go Direct Dental Plans
VOLUNTARY DENTAL PLANS
Voluntary dental plans are a great way for employers to offer a group dental plan
to employees without incurring expense to the employer. Voluntary dental plans can be offered to groups as few as two employees.
DIRECT REIMBURSEMENT DENTAL PLANS
Although many people are unfamiliar with DR dental plans. They have actually been available for several years and have a proven track record.
Most employees who do receive treatment, incur relatively low dental costs. These statistics combined with low administration fees make for a very cost effective dental plan - you only pay for what your employees use.
- DR works much like reimbursement for employee expense accounts.
- The employee or covered dependents receives treatment from a dentist of their choice.
- Reimbursements can be sent directly to the provider.
- The employee is reimbursed according to the plan design breakdown.
- No provider restrictions, No visit limitations, all IRS 213 expenses qualify.
WE CAN CUSTOM BUILD A PLAN DESIGN THAT WILL FIT YOUR NEEDS!
