Inclusive Benefits - Return Home New York insurance
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Michael Walker


Michael Walker

 

 

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About Inclusive Benefits

Inclusive Benefits is an independent full-service employee benefit firm specializing in group insurance for small to mid-size businesses, sole proprietors and the independent contractor in the New York tri-state area. We also assist with facilitating coverage for trade associations and membership groups.

Inclusive Benefits was established in November 2004 by Michael A. Walker its CEO and founder.  With over 10 years experience as a group insurance broker Michael’s background is multifaceted.  His knowledge of COBRA, HIPPA, claims processing, billing, as well as grievance and appeal procedures distinguishes him from his contemporaries.

We don't use manipulative, self-focused selling techniques that demean us or the client.  We use a simple approach of getting to know our customer and their needs and believing that we can meet those needs. 

We hope that our website will be a valuable resource of information for your business and or personal insurance needs.  Our office is fully automated allowing you to communicate with us by phone, email, website and fax.

Why Work with an Independent Broker?

Independent Brokers work on behalf of you the client when researching and shopping the marketplace locating the product best suited to your needs. We are not employed as sales representative for a particular carrier. We are contracted and licensed by several carriers in the marketplace for various types of coverage you may need. We provide you with cost comparisons and doctor matching by each carrier quoted. We understand the importance of having a doctor you feel comfortable with and take pride in helping you maintain that doctor patient relationship!

Our commitment is to you the client and that’s were our loyalty remains. We negotiate coverage terms, request rate discounts and make the carriers fight for your business! That’s the true nature of a good independent agency and a broker with the clients best interest in mind.

Why Work with Inclusive Benefits?

We approach the business of risk management by developing trusted relationships, learning about the challenges and concerns each client is facing. We are not product or transaction driven when meeting with clients. We interview, consult and advise on the products and services that will achieve the goals of each individual client. Unfortunately, many brokers lose sight of maintaining and fostering relations with their clients and only focus on selling a product. We consistently meet with HR staff, hold quarterly employee meetings and host new hire workshops on benefit & features offered, plan design and other added value benefits they may not be aware of like gym reimbursement, nutrition counseling and diabetes education. We are very interactive when it comes to the business employee benefits.

Insurance Carriers

As independent brokers, we have established long-term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

Health Insurance Carriers

  • Aetna
  • Cigna Health Plans
  • Empire Blue Cross Blue Shield
  • GHI Group Health Incorporated
  • Guardian Healthnet
  • Healthpass
  • Healthy New York
  • HIP Health Plans of New York
  • Aflac
  • MDNY
  • Oxford Health Plans - A United Health Care Company
  • Perfect Health
  • Vytra Health Plans
  • Wellchoice

Life Insurance Carriers

  • AIG American General
  • AXA Equitable
  • Guardian Life Insurance Company
  • ING ReliaStar of New York
  • MetLife
  • Prudential
  • Sun Life
  • UNUM Provident
  • William Penn
  • Zurich

 

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