As the cost of health care continues to rise, many small business owners are struggling to provide employees with a benefit package that won’t break the bank.
But researching options often leads to a heap of paperwork and an flood of confusion.
Tim Sullivan can help.
As the owner of CTS Health, Sullivan sorts details, crunches numbers, and makes an experienced recommendation to help small businesses and individuals understand the benefits and drawbacks of dozens of potential plans.
‘When someone comes to me, my first goal is to compare apples to apples,? said Sullivan, who recently moved his business out of his Springfield Township home office and into Ritter’s Country Square on Dixie Highway near M-15.? ‘A lot of times, I can not only find them a plan with better benefits, better hospitalizations, better emergency room care and prescriptions, I can also lower premiums.?
Licensed by the State of Michigan, as well as with the insurance companies he represents, Sullivan has the knowledge to abridge a complicated decision for his clients. Reducing and condensing the mountain of paperwork to a side-by-side presentation, he said takes the confusion and guesswork out of choosing a plan.
Sullivan also works with every aspect of the account, from getting the quote, processing the applications and staying in touch throughout the year to make sure everything is operating smoothly. From Aetna to Humana to Blue Cross and dozens of others, Sullivan knows the details and the people to contact for answers.
It is his commitment to service, to making certain he is serving the needs of the client, said Sullivan, sets him apart.
‘I want people to call me and I’ll get the answers,? he said. ‘You want to add new employees, I’ll add the new employees for you. You have to make a change in your plan, I’ll make that change. I’m going to take care of all of your business.?
Although he earns a commission from the insurance companies when he sells a policy’the clients pay no fee’Sullivan knows that he’d be out of business in no time if he sold policies for his own benefit, rather than the client.
‘I’m offering a lot of honesty, and my service,? he said. ‘Because I am 100 percent service. The biggest compliment I can get is when somebody says ‘hey, I want to give your name to somebody.??
And, in an industry that often has unhappy customers and frequent buy-backs’people canceling their policy’Sullivan is proud of his customer retention rate.
‘I’ve never lost a client, ever,? he said. ‘And referrals are the biggest thing I have going lately to build my business.?
Contact Tim Sullivan at 248-922-0700 or 248-884-1414. CTS Health is located at 6696 Dixie Highway, Suite 5, Clarkston. For more information, visit www.ctshealth.com or www.ctshealthinsurance.com.