COMPANY REPORT NAVIGATION
Diamond Certified Company Report

Bay Area Health Insurance Marketing, Inc.

Diamond Certified Company Report

Bay Area Health Insurance Marketing, Inc.

Diamond certified ratings dashboard
CUSTOMER SATISFACTION i
Customer LOYALTY i
Helpful Expertise i
Company Credentials i
  • Workers Compensation
  • Liability Insurance
  • License Verification
  • Business Practices
  • Current Complaint File
Phone SURVEY RESPONSES FROM 232 VERIFIED CUSTOMERS i

Susan D.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

1 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would tell others that they can trust the agents who handle them. I think they are very on top of changes, adjustments, and other industry knowledge.

They respond really quickly. If I have a question, it always gets addressed.

Sandy P.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

2 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are fantastic, very helpful, budget conscious, and overall good people.

Probably Bob, he is amazing and very responsive. If I ever have any question, I shoot an email and get a response within 30 minutes or so.

Rohini G.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

3 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They have been very honest whenever there has been any discrepancies with anything.

Great customer service, every person I have spoken with has been friendly.

Read All 232 Survey Responses at Ratings View
Diamond certified VIDEO PROFILE
Diamond certified company PROFILE

Bay Area Health Insurance Marketing, Inc. works with families and businesses throughout the Bay Area to find life and health insurance policies that fit their particular situations. In addition to providing insurance services, the company is an Employee Benefits Specialist and helps small business owners, company employees, and independent contractors with all types of benefit plans. It also provides advice and counsel on topics such as plan designs and underwriting considerations.

Owner Bob Vinal has been working in the insurance industry for more than 25 years, handling everything from plan design to claims and rating structures. “Our original goal was to provide personal service for every client, and we’ve continued that to this day,” he says.

In an effort to maximize convenience for its clients, Bay Area Health Insurance Marketing also provides administrative assistance for issues such as billing and claim discrepancies, additions and deletions to insurance plans, and COBRA compliance. “We’re a hands-on agency, so we’re always available to answer questions and resolve employee claims problems,” says Mr. Vinal.

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COMPANY REPORT NAVIGATION

Diamond Certified Companies are Rated Highest in Quality and Helpful Expertise.

  • Why this rating is the most accurate.
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DIAMOND CERTIFIED RESEARCHED CAPABILITIES ON Bay Area Health Insurance Marketing, Inc.

COMPANY CONTACT
Service AREA

California
San Francisco
Oakland
San Jose
Berkeley
Walnut Creek
San Rafael & Santa Rosa

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SERVICES PERFORMED

Health Insurance
Life Insurance
Disability Insurance
Dental Insurance
Vision Insurance
401(k) and Retirement Plans
HR Support

BRANDS Supported
  • Anthem Blue Cross

  • Blue Shield

  • Health Net

  • Covered California

  • Delta Dental

  • Principal Financial

  • United Healthcare

  • Aetna

  • MetLife

DIAMOND CERTIFIED RESEARCHED ARTICLES ON Bay Area Health Insurance Marketing, Inc.

Company Profile

Bay Area Health Insurance Marketing, Inc. works with families and businesses throughout the Bay Area to find life and health insurance policies that fit their particular situations. In addition to providing insurance services, the company is an Employee Benefits Specialist and helps small business owners, company employees, and independent contractors with all types of benefit plans. It also provides advice and counsel on topics such as plan designs and underwriting considerations.

Owner Bob Vinal has been working in the insurance industry for more than 25 years, handling everything from plan design to claims and rating structures. “Our original goal was to provide personal service for every client, and we’ve continued that to this day,” he says.

In an effort to maximize convenience for its clients, Bay Area Health Insurance Marketing also provides administrative assistance for issues such as billing and claim discrepancies, additions and deletions to insurance plans, and COBRA compliance. “We’re a hands-on agency, so we’re always available to answer questions and resolve employee claims problems,” says Mr. Vinal.

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Company Philosophy

"We believe in treating our customers the way we'd want to be treated, so we do whatever we can to assist them with their insurance needs. We stay up-to-date on industry changes so we can provide each client with the best possible options. Our responsive approach to dealing with customers really makes us stand out."

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Comparative Summary

Health insurance brokers always looking for ways to differentiate themselves from their competition, and those that have earned the prestigious Diamond Certified award are already several steps ahead. In addition to its Diamond Certified status, Bay Area Health Insurance Marketing, Inc. separates itself by providing highly personalized service in every aspect of its operations–an approach that resonates with clients but is rarely seen in the insurance industry. “Our clients know we’ll be there to answer questions and help with their insurance issues whenever they need us,” says owner Bob Vinal. “They really appreciate the reliability of our services.”

Bay Area Health Insurance Marketing works with businesses and families throughout the Bay Area to find health care, life and disability insurance policies that fit their particular situations. In addition to providing insurance services, the company is an employee benefits specialist and helps small business owners, company employees and independent contractors with all types of benefit plans. It also provides advice and counsel on topics such as tax and legal regulations, plan designs and underwriting considerations.

Unlike insurance brokers that limit their interactions with clients once their insurance policies are in place, Bay Area Health Insurance Marketing takes a hands-on approach that includes helping with billing and claims discrepancies, resolving employee claims problems, and providing administrative assistance for issues such as insurance plan additions and COBRA compliance. “Often, employees are reluctant to broach claims issues with their employers, so we make sure to deal with these issues directly,” says Mr. Vinal. “It’s just another example of our dedication to customer satisfaction.”

Another distinguishing feature of Bay Area Health Insurance Marketing is the comprehensive approach it takes to each client’s insurance process. After an initial consultation to review current plans, establish objectives and develop a long-term strategy, the company conducts a market search to find the insurance plans that best suit the client’s needs. After that, it works directly with an administrative representative to communicate all the details to the client’s employees. “We also conduct an annual review to keep the client aware of the latest regulatory and tax implications,” adds Mr. Vinal. “If we assess the price and performance of a plan and discover it’s unsatisfactory, we’ll find a new one.”

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Industry Info

Take simple steps to maximize employee benefits while controlling employer costs. Small business owners know the cost of employee benefit plans has risen dramatically in recent years. However, even though it has become more expensive to keep employees covered, an independent broker who specializes in employee benefit plans can often save a company thousands of dollars and create value-added service. To maximize your company’s employee benefit dollars, consider the following tips:

Determine your company’s needs. A qualified, independent group specialist can work with you and your employees to identify which benefits offer the best value for your organization. It’s important to gather the necessary information through past claims experience, employee surveys and seminars.

Understand the types of coverage. Group insurance contains many components—life insurance; disability insurance; health, dental and vision coverage—and many of these categories also have several sub-categories. It’s crucial that both you and your employees understand the value of the various options. This will help control costs while maximizing the perceived value of the plan to employees.

Know the insurance company. Many group carriers price their products aggressively in an attempt to earn new business, but when it comes time to renew coverage, they’re just as quick to increase premiums. Other insurance companies prefer to avoid certain types of businesses and price their plans accordingly. Work with your broker to determine which insurance companies are receptive to your type of business and which companies have a hassle-free claims process.

Work with an independent employee benefits specialist. An independent specialist gives you the advantage of comparing the costs and benefits of many group insurance carriers, as opposed to a sales agent who is generally limited to promoting a single insurance carrier’s products. Look for an experienced group specialist with proper credentials who comes recommended and is trusted within the business community. Ask for references or testimonials from existing clients.

Regularly review your plan with your broker. Your employee benefit needs can change with plan usage and your company’s business cycle, but your broker can offer recommendations to address these issues. “Plans change and carriers come up with new ideas all the time, but a good broker should keep on top of these changes for you,” says Bob Vinal, owner of Bay Area Health Insurance Marketing, Inc. in Menlo Park. There are many steps you can take to contain your costs, including increasing your deductible to keep in line with inflation, implementing annual maximums on certain components of the plan and setting a cap on plan dispensing fees.

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Frequently Asked Questions

Q: How can I lower my insurance premiums?

A: There are a variety of ways to lower insurance premiums. First, you should shop around and see what other carriers have to offer. You can also try moving to a high-deductible plan or adding a health reimbursement or savings account. We can negotiate with your insurance company to keep cost increases down. Since we handle a large number of clients, we have more negotiating clout than our clients do individually.

Q: Is my company required to offer employee health insurance?

A: Not at this time, but regulations regarding health insurance mandates are always changing. Part of our service is keeping our clients up-to-date on the latest changes.

Q: How many employees do I need to qualify for group insurance?

A: You only need a total of two employees to qualify for group insurance.

Q: How much does my company have to contribute to employee insurance plans?

A: There’s no mandatory level, but most insurance companies aren’t willing to offer a group plan unless the company pays at least 50 percent.

Q: Can you help my company manage its insurance plans?

A: Yes. We’ll work with your employees, explain the benefits to them and make sure they’re enrolled in the right plans. We do the same with new employees and additional family members (in the case of a marriage or birth). And if you have to terminate an employee, we’ll work with them to make sure everything is processed correctly.

Q: Can employee contributions be taken out pre-tax?

A: Yes, but it’s not a straightforward process. You need to implement a Section 125 premium conversion plan. We can help set that up for you.

Q: Do I need to provide COBRA coverage for my employees?

A: If your plan covers 20 or more employees, you need to be COBRA compliant. We’ll work with you to make sure you meet all the regulatory requirements.

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SELECTED PHOTOS FROM Bay Area Health Insurance Marketing, Inc.

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DIAMOND CERTIFIED EXPERT CONTRIBUTOR ADVICE & TIPS FROM Bob Vinal

Expert CONTRIBUTOR PROFILE
  • Bob Vinal is president of Bay Area Health Insurance Marketing, Inc., a Diamond Certified company since 2011. He can be reached at (650) 273-0330 or by email.

Bob Vinal: A Great Communicator

By James Florence, Diamond Certified Program Reporter

MENLO PARK — Following college, Bob Vinal wasn’t entirely sure how he would apply his communications degree in the professional realm, but after accepting a job offer in the insurance business, he found it to be a perfect fit. “My brother was selling life insurance and needed someone to help out with employee benefits,” he remembers. “As a communications major, I’ve always been one for gab, so when I got into insurance, I really enjoyed having the opportunity to talk with people on a daily basis.” After gaining further industry experience over the next few years, Bob decided to strike out on his own and founded Bay Area Health Insurance Marketing, Inc. in 1987.

A resident of Santa Cruz (where he lives with his wife, Trudy), Bob expresses his appreciation for the Bay Area’s characteristic attributes. “I love the weather and the people here—plus, as a sports fan, I love watching all the Bay Area teams.” Outside of work, some of Bob’s pastimes include coaching high school football, surfing, golfing, and barbecuing with friends and family. He also likes to keep in touch with his and Trudy’s three grown children: Therese, who works for the San Francisco Giants; Michelle, who is earning her master’s degree at Cal State Fullerton; and Matt, who recently graduated from University of Las Vegas.

In his life and career, Bob espouses the importance of treating others fairly and honestly. “Our main credos at Bay Area Health Insurance Marketing are to be honest with our clients and treat them as we’d want to be treated,” he affirms. “We don’t want to be the kind of brokers who make a profit at their clients’ expense; rather, we genuinely want to help our clients and give them good, sound advice.”

When asked the first thing he’d do if he were to retire tomorrow, Bob says he’d do some surfing, both at home and abroad. “Living in Santa Cruz, there’s plenty of good surfing, but I also like going to Hawaii, which is one of our favorite vacation spots. However, I know my wife wants to see some new places as well, so we’d probably do some more extensive traveling.”

Ask Me Anything!

Q: What’s your favorite sports team?
A: It depends on the time of year. During baseball season, it’s the San Francisco Giants; during football season, it’s the San Francisco 49ers; and during basketball season, it’s the Golden State Warriors.

Q: Are you a dog person or a cat person?
A: A dog person. I have two dogs, Bruschi and Bella.

Q: What were you most known for in high school?
A: I played football and was the rally commissioner.

Q: What’s your favorite snack?
A: Popcorn.

Q: What’s your favorite season?
A: Fall, because football starts.

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Expert articles
  • A 2015 Tax Credit for Small Business Owners

    MENLO PARK — If you’re a small business owner with less than 25 employees, you may be eligible for a 2015 tax credit. Under the Affordable Care Act, there’s a new program that rewards employers who offer (or continue to offer) health insurance benefits by giving them a tax credit equivalent to as much as 50 percent of the premiums they pay.

    To qualify for this tax credit, your business must meet the following criteria: 1) you must have less than 25 full-time employees or their equivalents, 2) your employees’ average annual wages must be less than $50,000, 3) you must contribute at least 50 percent of your employees’ insurance premiums, and 4) the benefits must go through a California State Purchasing Pool for small employers. In many cases, employers who already offer insurance can continue with the same plans they already have.

    Don’t wait until it’s too late—inquire with your tax professional today to see if you qualify for this tax credit in 2015.

    Read moreRead less
  • Communicating Employee Benefits

    MENLO PARK — If you’re a small-business owner, you’re likely spending thousands of dollars each month to provide benefits for your employees. However, if you aren’t taking the time to communicate to your employees about their benefits, they may not understand how valuable they are—or that they even have them in the first place.

    Besides knowing they have benefits, it’s crucial that your employees know how to use them. The majority of your employees will probably never use their health plans for anything other than prescriptions or incidental treatments, but when they do, they’ll need to know the proper procedures and have the necessary identification (such as an insurance ID card).

    A great way to communicate with your employees about their benefits is to distribute an annual Summary of Benefits and Coverage, which describes in detail the various plans offered. Schedule an annual meeting to go over this vital document with your employees; this will give them a chance to get reacquainted with their available benefits and ask questions about how to use them.

    By taking time to communicate with your employees about their benefits, you’ll increase the likelihood that they’ll use them. Furthermore, this will remind your employees of the measures you’ve taken to ensure they’re covered, which can go a long way toward fostering appreciation and good business relationships.

    Read moreRead less
Expert video tip
  • Video: Communicating Employee Benefits

    Complete Video Transcription:

    MENLO PARK — Host, Sarah Rutan: If you’re an employer, make sure your employees understand what your benefits are and how to use them. Today we’re in Menlo Park with Diamond Certified Expert Contributor Bob Vinal of Bay Area Health Insurance Marketing to learn more.

    Diamond Certified Expert Contributor, Bob Vinal: Hi. Today let’s talk about employee benefits. Employee benefits is one of our largest costs as a small employer. We’re spending thousands of dollars each month and each year providing our employees with a valuable benefit. But do they appreciate the benefit? Do they know that the ID card that you gave them is an unlimited credit card? It’s a card that when they go to the hospital and something major happens, they’re covered. And no matter what the bill is, they’re covered for it.

    The other thing they really don’t understand is their benefits. So, they don’t understand how valuable this benefit is for you. You need to communicate that to them. You need to give them their Summary Benefit of Coverage. This is given every year to the employees so they understand what benefits they have and to answer some simple questions for them.

    They need to know when to use a plan and how to use the plan. 70% of your employees probably will never use a plan for anything but an incidental treatment, maybe a prescription. But when they do, they want that ID card to take care of business for them. You have to let them know how to use it. You’ve got a dental plan? Great. Tell them to use the dental plan.

    Again, the majority of your employees that you’re paying this great amount of dollars for don’t use a plan. Have them use it. Make them understand it. Money that you’re spending on them to keep them away from other employers, make them understand their benefits so they appreciate what you’re giving them. Small tip, but the communication that you or your broker can give them goes a long way in happy employees, healthy employees, and a great business relationship.

    Host, Sarah Rutan: To learn more from local, top rated companies, visit our Diamond Certified Expert Reports at experts.diamondcertified.org.

    Read moreRead less
  • Video: Communicating Employee Benefits

    Complete Video Transcription:

    MENLO PARK — Host, Sarah Rutan: If you’re an employer, make sure your employees understand what your benefits are and how to use them. Today we’re in Menlo Park with Diamond Certified Expert Contributor Bob Vinal of Bay Area Health Insurance Marketing to learn more.

    Diamond Certified Expert Contributor, Bob Vinal: Hi. Today let’s talk about employee benefits. Employee benefits is one of our largest costs as a small employer. We’re spending thousands of dollars each month and each year providing our employees with a valuable benefit. But do they appreciate the benefit? Do they know that the ID card that you gave them is an unlimited credit card? It’s a card that when they go to the hospital and something major happens, they’re covered. And no matter what the bill is, they’re covered for it.

    The other thing they really don’t understand is their benefits. So, they don’t understand how valuable this benefit is for you. You need to communicate that to them. You need to give them their Summary Benefit of Coverage. This is given every year to the employees so they understand what benefits they have and to answer some simple questions for them.

    They need to know when to use a plan and how to use the plan. 70% of your employees probably will never use a plan for anything but an incidental treatment, maybe a prescription. But when they do, they want that ID card to take care of business for them. You have to let them know how to use it. You’ve got a dental plan? Great. Tell them to use the dental plan.

    Again, the majority of your employees that you’re paying this great amount of dollars for don’t use a plan. Have them use it. Make them understand it. Money that you’re spending on them to keep them away from other employers, make them understand their benefits so they appreciate what you’re giving them. Small tip, but the communication that you or your broker can give them goes a long way in happy employees, healthy employees, and a great business relationship.

    Host, Sarah Rutan: To learn more from local, top rated companies, visit our Diamond Certified Expert Reports at experts.diamondcertified.org.

    Read moreRead less
Bay Area Health Insurance Marketing, Inc. WEBSITE AND EXTERNAL FEED
  • Bay Area Health Insurance Marketing, Inc. SOCIAL MEDIA FEEDS
COMPANY WEBSITE
www.bayareahealth.net
Diamond Certified RATINGS ON Bay Area Health Insurance Marketing, Inc.
Diamond certified ratings dashboard
CUSTOMER SATISFACTION i
Customer LOYALTY i
Helpful Expertise i

Each surveyed customer was asked, “If you needed any helpful expertise, did this company provide that expertise?” To calculate this score, total “Yes” responses were divided by total responses (excluding those that stated they hadn’t needed any expertise).

Company Credentials i
  • Workers Compensation
  • Liability Insurance
  • License Verification
  • Business Practices
  • Current Complaint File
Phone SURVEY RESPONSES FROM 232 VERIFIED CUSTOMERS i
Bay Area Health Insurance Marketing, Inc. : Average 9.3 out of 10 based on 232 unique customer surveys of customer satisfaction.

Susan D.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

1 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would tell others that they can trust the agents who handle them. I think they are very on top of changes, adjustments, and other industry knowledge.

They respond really quickly. If I have a question, it always gets addressed.

Rohini G.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

2 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They have been very honest whenever there has been any discrepancies with anything.

Great customer service, every person I have spoken with has been friendly.

Sandy P.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

3 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are fantastic, very helpful, budget conscious, and overall good people.

Probably Bob, he is amazing and very responsive. If I ever have any question, I shoot an email and get a response within 30 minutes or so.

Erin A.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

4 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are very straightforward, knowledgeable, honest, and you can always be assured that they will be there for you in a loss situation. I won't sign with anyone else regardless of the savings involved.

Everything, their response time is amazing, on top of everything else.

Patricia L.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

5 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

It is easy to use his type of service. HR deals with them more in depth, but for bill pay, service, and questions we have, they are amazing.

Their responsiveness

Christina K.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

6 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

The woman who helped me set up everything was awesome. She was very knowledgeable.

Every time I have to call, they have been quick.

Glenn D.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

7 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would like to tell others that they can't go wrong. This company is there for their clients at all times.

They are available, always.

Karen J.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

8 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would tell others that they provide our team with what they need and when they need help there is someone there to help.

The availability

Kevin T.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

9 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are very accommodating and helpful. I get letters from them occasionally, which is nice. I have used them for years before the business was even named as this.

Everything, they are there when we need them.

Larry G.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

10 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I like my agent, he is very helpful.

Customer service, I can reach them. They answer my questions. The pricing was good and they gave me alternatives.

Ludmila P.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

11 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I think that they have my business' best interest in mind.

They are honest, even if it isn't what I want to hear. I am pretty satisfied.

Robert B.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

12 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

It's easy to get ahold of them and ask questions.

They are easy to get ahold of.

Ron R.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

13 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are efficient and they get back to you promptly.

The convenience

Scott M.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

14 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I have used them for multiple businesses, they are great people. My agent is always on top of my renewals for the various locations and such. I'm very satisfied with them.

Efficiency

Val R.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

15 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They do simple insurance for us, we are a program company so mostly everything through them is liability and workers compensation. It is very straightforward. For us when we need something we call the carrier direct.

Simplicity

Janna E.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

16 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

For business insurance we only use them for general liability. Someone else manages our benefits and health insurance. They are good, no complaints.

They get certificates out to us quickly when needed.

Diane S.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

17 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are honest, have a great knowledge of how business insurance can help our business. They are great.

I would not have anything specific, they just do our insurance.

Donald K.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

18 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

I think that they have a good process for losses. It's pretty straightforward. They do E&O insurance for us so there have been times we had to file with them, but they made it very easy.

I liked the fact that they were able to assist with the whole process.

Frank D.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

19 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are a good company, no complaints.

They just do the insurance. There isn't much to it.

Mary B.

VERIFIED Bay Area Health Insurance Marketing, Inc. CUSTOMER

20 of 232

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are a good agency. I have not had any issues with them.

The fact that I can count on them

Read All 232 Survey Responses at Ratings View