Your local Independent
Insurance Agency in Scottsdale
for Employee Benefits &
Individual Insurance.
Secure your future
Employee Benefits
Health Insurance
Long Term Care
Medicare
Life Insurance
Employee Benefits
Our employee benefits consulting services focus on enhancing your organization’s benefits program. With so many options available in the employee benefits landscape, finding the best fit can be a challenging process. We assist you in navigating these choices, ensuring that you select the right plans that align with your company’s goals and foster a healthier, happier workplace. Let us guide you through optimizing your employee benefits plan for both your business and your employees.
Health Insurance
The question isn’t if, but when you will require healthcare benefits. Our services are designed to prioritize your unique health needs, ensuring you have access to the right options for your individual healthcare plan. We understand that cost management and proper coverage are paramount to your well-being, and we’re here to help you find the best solutions tailored to your personal circumstances.
Long Term Care
Insurance
Our employee benefits consulting services focus on enhancing your organization’s benefits program. With so many options available in the employee benefits landscape, finding the best fit can be a challenging process. We assist you in navigating these choices, ensuring that you select the right plans that align with your company’s goals and foster a healthier, happier workplace. Let us guide you through optimizing your employee benefits plan for both your business and your employees.
Medicare
The question isn’t if, but when you will require healthcare benefits. Our services are designed to prioritize your unique health needs, ensuring you have access to the right options for your individual healthcare plan. We understand that cost management and proper coverage are paramount to your well-being, and we’re here to help you find the best solutions tailored to your personal circumstances.
Life Insurance
Our employee benefits consulting services focus on enhancing your organization’s benefits program. With so many options available in the employee benefits landscape, finding the best fit can be a challenging process. We assist you in navigating these choices, ensuring that you select the right plans that align with your company’s goals and foster a healthier, happier workplace. Let us guide you through optimizing your employee benefits plan for both your business and your employees.
Increase your coverage
Dental Insurance
Many health insurance plans exclude dental care, which can lead to costly problems. As you age, keeping your teeth healthy is vital, making dental insurance a smart investment to help cover routine care and unexpected expenses.
Vision Insurance
Your health benefits program likely doesn’t cover vision care, including glasses, contacts, or LASIK. Vision insurance helps you manage these costs, ensuring you can maintain clear sight and have access to regular eye exams.
Disability Insurance
Accidents can happen at any time, and missing work can create financial strain for you and your employer. If don’t receive employee benefits that cover disability insurance, our insurance brokerage can help you find a suitable policy tailored to your profession for added security.
Travel Insurance
Most health insurance plans don’t cover international travel, leaving you vulnerable to high medical costs abroad. A medical evacuation can cost $20,000 to $100,000! With travel insurance, you can ensure comprehensive coverage for just a few dollars a day, allowing you to travel with peace of mind.
Carriers we work with
Our story
Wise Dollar Insurance is an independent insurance agency based in Scottsdale, AZ. But our reach spans all 50 states and territories. As an independent agency, not affiliated with any insurance companies, Wise Dollar Insurance focuses solely on finding the right plan to meet your long-term goals.
Michael Ell, MAcct, CEBS
Founder & CEO
“As a small business owner, there is no better employee recruiting and retention tool than a great employee benefits plan.”
Michael Ell has a Master’s degree in Accounting and is a Certified Employee Benefits Specialist (CEBS). He has an extensive history in the healthcare industry as an administrator and consultant. His passion for insurance is based on the helping individuals, families, and small business manage an increasingly more expensive and complex insurance industry. As the insurance industry continues to consolidate and aggregate its power, Michael works to help his clients regain their leverage and safely navigate the challenges of securing fair, affordable, and comprehensive coverage. He delivers an affordable safety net to individuals and small businesses by educating his clients and empowering them to make the right decisions.
The role of an
independent
insurance agency
The role of an
independent
insurance agency
Wise Dollar Insurance functions differently from insurance companies and captive agencies. We contract with many insurance companies, providing customers and clients with different policies and options. Hiring a broker/consultant to personalize your insurance needs will ensure you obtain the best solution.
Wise Dollar Insurance founder Michael Ell exemplifies the benefits of this model.
By partnering with a variety of reputable insurance carriers, Wise Dollar Insurance ensures that clients seeking insurance in Scottsdale, AZ, and beyond have access to competitive rates and comprehensive coverage options. This flexibility is particularly valuable in the realm of life insurance and employee benefits, where the needs of individuals and businesses can vary significantly.
Why use an independent
insurance agent?
Choice
There are often dozens or even hundreds of insurance options available, particularly for Medicare, life insurance, and employee benefits.
Calling the insurance company directly limits you to only their products and offerings.
As an independent broker, Wise Dollar Insurance partners with nearly 100 insurance companies for diverse coverage options.
An expert insurance broker can get you better results, more information, and tailored coverage to simplify and enhance the process for you.
Cost
An independent insurance agency does not increase insurance prices; the premium ALWAYS remains the same as with other providers.
Service
Customer service spans three critical phases: before, during, and after the purchase process.
Help your small business
grow with premium
health insurance solutions
Hiring and retaining top talent can be challenging. Online DIY platforms and robo-services often fail to meet your needs, yet they come at the same cost as working with an employee benefits consulting service. Choosing employee benefits consulting ensures you receive tailored solutions to support your business and your employee’s wellbeing.
Here is why you need a broker consultant for your benefits plan:
Tailored Employee Benefits Solutions
Sure the online platform gives you options. But do you want to read the fine print on 134 insurance plans? Your business is unique. And a computer can’t see that.
Year Round Support
Dedicated account management and ongoing employee benefits consulting support for plans, updates, claims issues, and employee inquiries.
Cost-Effective Options
Although cost is always a concern, it should not be the only variable. Wise Dollar Insurance can work with your budget to find you the best health solutions coverage.
Benchmarking & Analysis
We offer data-driven insights to compare your benefits offerings with industry standards and optimize your plans. This is vital to ensure a quality benefits plan.
Compliance Assurance
Getting strange emails about new laws and regulations from an insurance company? Good luck getting eHealth to handle that for you. Do it yourself or have experts handle it. Seems like an easy choice to comply with federal and state regulations (e.g., ACA, ERISA).
Consulting Services
Expansion, changing laws, and new products are a weekly part of the insurance world. We provide employee benefits consulting strategies that proactively work with you to assess, adapt, and optimize your benefits strategy, ensuring it evolves with your business needs and industry trends.
Streamlined Administration
We can provide tailored administration support whether you have someone managing HR functions or you are doing it yourself. Our expertise spans widely over employee benefits strategies.
Employee Education
Navigating employee benefits programs can be complex. We provide employee benefits consulting in the form of tools and resources to help your team understand and maximize their benefits.
Scalable Solutions
When you work with Wise Dollar Insurance, we create employee benefit plans that grow with your business, ensuring flexibility as your workforce evolves.
Start a no-obligation conversation today
You are the most important part of the insurance equation. Start the conversation and leave us a message. Or if you are ready to speak with us, schedule a meeting with us today. The end goal is to provide you with the best options to protect you and your loved ones.