Marion Douglas Financial & Insurance Services

Employee Benefit Services

Employee Benefits

Our Value Added Services:

Group Benefits:
We broker the following products, on fully-insured or partially / self-funded basis:

  • Health / Dental / Vision
  • Cafeteria / FSA / Section 125
  • Health Reimbursement Accounts (HRA)
  • Health Savings Accounts (HSA)
  • Life / AD&D
  • Short-Term Disability
  • Long-Term Disability
  • Supplemental Products


  • Underwriting:
    We have an assertive approach to underwriting. By combining our many years of experience and knowledge, we are able to achieve the most desirable benefits package for our clients.

    Small Group (2 - 50 Employees)

  • Preparation of underwriting packets
  • Comprehensive application and underwriting review
  • Screening of health applications for accuracy
  • Participation calculator, ensure compliance and contribution
  • Employee class analysis and industry review

  • Large Group (51+ -Experience Rated)

  • Compilation of data into a management reporting tool
  • Quarterly analysis and presentation of reports and plan utilization
  • Plan design and funding changes with long term cost benefit
  • Package client information to achieve the most aggressive rate proposals
  • Plan and budget projections for future rating actions
  • Verify Underwriting rating information is accurate and fair


  • Human Resources:

  • Review & Consultation
  • On-site & remote support
  • Develop Performance Management Systems
  • Conduct Audits & Assessments
  • Employee Training & Development
  • Benefit Communications & Creative HR Services


  • Administrative Services:

  • Premium Billing Reconciliation Assistance
  • Direct assistance electronically with carriers for processing all new hires & terminations.
  • Claims assistance and resolution for improperly processed claims. We work on the employee's behalf to resolve all issues with carriers, physicians and hospitals.
  • Direct employee support for all benefit services such as ordering ID cards, correcting misspelled names, updating addresses, correcting Social Security Numbers.


  • COBRA Administration:

  • We provide complete COBRA administration through our strategic partners with no cost to our clients. This ensures effective and accurate management of the IRS mandated forms and language requirements.


  • Wellness Programs:

  • Our wellness services include a wide range of resources, programs and support to assist clients with worksite wellness initiatives.
  • Coordination of Carrier Programs and Resources
  • Employer Workshops
  • Workplace Evaluations
  • Employee Interest Surveys
  • Event Support (Including Health Fairs)
  • Health Education Materials, Tips and Newsletters

  • As your broker, we are confident that we can exceed your current and future expectations. The Marion - Douglas Team offers competitive and creative solutions to provide our clients with the most comprehensive benefits package possible.

    Group Medical , Dental & Vision:

    Aetna US Healthcare  - Anthem-Blue Cross  -  Assurant Health  -  Blue Shield -California Choice  - California Dental Network  - CIGNA Healthcare  - Guardian  Life Insurance Company - Health Net  - Kaiser Permanente  - Principal Financial Group  - United Health Care  - Vision Plan of America  - Vision Service Plan  -Superior Vision  - Self Funding Programs

    Voluntary Benefits:

    Aflac  - American Fidelity Assurance  - Colonial Life  - Unum