BridgeWorks NW, A Community Health Insurance Exchange

BridgeWorks NW a community health care exchange

We all choose to live in different communities for different reasons that appeal to us, but regardless of what those reasons are I think we can all agree that we want to live in a safe community with like-minded community members who share our values.

We are excited to announce that we are breaking ground on a new community…Bridgeworks NW.

Bridgeworks NW is a community of employers that share a common vision of what employee benefits should look like. The mission of our community is to have a positive impact on the physical, mental and fiscal wellbeing of the members of the Bridgeworks NW community.

To help our community attain this vision, we have assembled a team of the top NW Health Care partners. Their mission…help employers solve the 3 critical business problems they face in regards to their employee benefit plans. Cost, Compliance, and employee value.

We understand that the more business problems our community can solve for employers, the more desirable it will be. And as our community grows it will bring resources to our members that are traditionally only available to largest employers. We have spent years crafting the strategy that we want to share with you and we believe you’ll see an approach to employee benefits like you’ve never seen before.

Free 30 minute webinar on the benefits of a private healthcare exchange

For more information about our community, sign up for a 30 minute Webinar now and  learn how to bring the ROI back to your employee benefits!


M&G Business Insurance Strategies and Expertise

employee benefits and wellbeing

Montgomery & Graham, Inc. which was founded by former Mutual of Omaha employees Wes Montgomery and Eric Graham in 1997, focuses on the planning of employee benefits through innovative insurance strategies for employers and individuals. After over twenty years of serving Northwest businesses the passing of Oregon House bill 4050 in March of 2014 has opened up self-funding to small employers, which is a niche M&G have been working with larger employers all this time.

The ability to keep health insurance costs down for employers while retaining their employees by using self funded insurance products is what has gained Montgomery & Graham, Inc. their great reputation. This type of benefit packages can include medical, dental, life insurance, supplemental, long term care, disability, alternative care, and retirement planning. And part of M&G’s service is the management and administration of the insurance plan, which takes stress off the company, leaving time and energy for the actual day to day operations.

Property & casualty insurance offers a business protection from disasters, and through contract reviews, interrupted business insurance, and fleet safety programs can save companies money. Commercial property insurance includes building, interior items, as well as inventory. Commercial auto insurance covers the fleet, as well as the people that drive them with provisions such as collision, medical claims, comprehensive and bodily harm. The umbrella insurance refers to potential problems for example slander, carbon monoxide leaks, and any accidents on the property that could happen.

Setting up coverage that works for each situation is what Montgomery & Graham, Inc. does best even in cases where insurance is not recommended but risk management might be a better solution. Such alternatives might require self-insurance, risk transfer, or perhaps loss control. Retaining the employers’ profits might require those particular options.

MG Fleet solutions offers a customizable dashboard with live tracking through 24 hour web based software with a reporting suite that records idle time, stops, trip summaries. Real-time monitoring of drivers with activity alerts, that can be sent by text or email to a phone, so that employers can be aware of what happens on the road, giving security of what is happening with their business at all times.

As an added extra the client care department is available with a live person to answer questions about insurance claims, doctors on your plan, ordering a new id card, or for billing inquiries.

Montgomery & Graham, Inc. offers medical and dental through these companies: United Healthcare, Cigna, Regence, Providence, ODS, Lifewise, Kaiser, Health Net, Pacific Source, and others at this time.

M&G affiliations include: National Association of Health Underwriters, Oregon Association of Health Underwriters, Affiliate of Society for Human Resource Management, Home Builders Association of Metro Portland, and Oregon Home Builders Associations.

As an outreach to the community Montgomery & Graham also are involved locally with activities such as helping the Red Cross through blood drives and pet food donations to local shelters. Their website has current ACA healthcare news, and tips and advice as well as insurance updates. With so many ways to help your business, why not find out what Montgomery & Graham can do for you.

What are the coverage requirements for Small & Large Employer Group Health Plans?


What are the coverage requirements for small employer plans?

At this time, small employers are not required to offer health insurance to employees. Many do so because they believe that health insurance coverage is a valued employee benefit that helps employers attract top employees and retain them. State and federal laws apply to varying degrees – again based on factors including the number of employees, the type of business and whether an insurance company is providing the coverage.

The Affordable Care Act requires that insured small group plans offer health plans that meet certain benchmarks. The benchmarks are represented by the metal levels of platinum, gold, silver and bronze. Each metal level tier plan is designed to provide the same average level of benefit to an enrollee.

The tiers are based on the percentage the plan pays of the average overall cost of providing essential health benefits to members:

  • Platinum plans are the most generous and more expensive. These are designed to pay as much as 90% of medical expenses
  • Gold plans are designed to pay 80% of medical expenses
  • Silver plans are expected to pay 70% of medical expenses
  • Bronze plans are expected to pay 60% of medical expenses.

It’s important to note that the metal tiers reflect what the plans will pay on average. These percentages are not the same as coinsurance, which calls for an individual to pay a specific percentage of the cost of a specific service.

There are other myriad requirements that apply to group health in addition to those required by the ACA. There are laws that address benefit communications (ERISA), claims appeals (ERISA) and portability of coverage (HIPAA) among others.

Both the ACA and the federal HIPAA law mandate that no matter what pre-existing health conditions small employer group members may have, no small employer or an individual employee can be turned down by an insurance company for group coverage. This requirement is known in the insurance industry as “guaranteed issue.” In addition, each insurance company must renew its small employer health plan contracts every year, at the employer’s discretion, unless there is non-payment of premium, the employer has committed fraud or intentional misrepresentation, or the employer has not complied with the terms of the health insurance contract.

Small employers may purchase insurance plans that are provided through the new SHOP markets operating in each state or in the market outside the SHOP. Health insurance plans that are offered in the SHOP exchange are generally also available in the market outside of the SHOP. It’s important to note that an employer that wishes to claim the Small Business Health Insurance Tax Credit must purchase a SHOP-based plan.

Your state’s Department of Insurance or other state agency that regulates insurance in addition to a professional insurance broker licensed to sell and service insurance in your state is also a good resource for information.

What are the coverage requirements for large employer groups?

Large group health insurance contracts also have to be offered on a guaranteed-issue basis, so a health insurance company cannot reject a large employer group based on its claims history. No individual employee who is eligible for benefits can be excluded from large group coverage based on medical history. Federal law mandates all group insurance contracts, including large group contracts, be renewed every year at the employer’s discretion, unless there is non-payment of premium, the employer has committed fraud or intentional misrepresentation, or the employer has not complied with the terms of the health insurance contract.


“Why wellbeing matters: Sustaining Employee Engagement and Performance”. Chaired by Wendy Cartwright. The evidence in this whitepaper report has been drawn from three distinct perspectives: academic research, research by consultancies and organizational case studies.

This paper sets out the evidence for the linkage between employee engagement and wellbeing, and the consequential impact on individual and organisational performance. Engage for Success started to investigate the importance of the links between engagement and wellbeing because of a groundswell of requests for us to examine this rich subject area.

This report is written for an audience of chief executives and HR directors as well as wellbeing and employee engagement specialists – whether they may work in-house or as external consultants. That said, we hope this will be a useful paper for all managers and leaders, regardless of whether they work in public, private or not-for-profit sectors, and regardless of organizational size.

See the whole PDF


Do you dream about the good old days when offering health insurance was simple?  Take a look at M&G’s views for a simple ROI solution

A health savings account (HSA) is a great way to ensure that you have money to pay any deductible associated with your health insurance. Most insurances have a high-deductible. A deductible is the minimum amount of money you have to pay out before your insurance starts paying. Most people pick a high-deductible insurance plan, because it costs less than other plans, and it covers many of the expenses once the deductible is met.

How do you meet your deductible?

Deductibles can be as much as a few thousand dollars. In order to meet a deductible, you will have to pay out of pocket the total amount of your deductible. That means all your medical expenses are on you until that deductible is reached. This can be a strain on your wallet. That is why people are using health savings accounts.

A health savings account is a tax-favored savings account that is used to save money specifically to pay deductibles. You can deduct the money in your HSA from your taxable income when you file your income taxes. The money is never taxed when it is used for qualified medical expenses. When you are done paying your deductible, the money stays in the account so that it can earn interest. The money is yours to keep.

 What are the advantages of having a health savings account?

There are several advantages to having a health savings account. You can use the money to meet your deductible. The health savings account does not have a use it or lose it policy. Therefore, the money will always be available to you. The savings account comes with a debit card. You can carry the card with you and use it like you would any other check card.

You will never be taxed for medical expenses. That will save you money in the long run. You can also use the health savings when you are between jobs. It is yours to keep, but if you use it for other purposes, you can be taxed. If you are over the age of 65 and use it for your living expenses, it will be taxed as part of your income.

Health savings accounts are a great way to help with any unexpected medical bills that occur before your deductible is met. If you are looking to open a HSA, here is a great list of best HSAs.


MGBenefits, Employee Healthcare Innovators

For those looking to manage employee benefits, and cost of medical, dental and other insurance for a business, as well as retirement planning for their company employees, Montgomery & Graham, Inc. provides the options that are likely to offer just what a business needs. Whether you’re a business in Oregon or Washington looking for group health insurance and innovative employee benefits, both can be found at Montgomery & Graham, Inc. And those who work for a business will be happy with the employee benefits that M&G help construct. In addition, M&G can provide much needed property and casualty insurance to lessen the risks to a business.

Do you dream about the good old days when offering health insurance was simple? Take a look at M&G’s views for a simple ROI solution

Today those who run large companies are busy with numerous responsibilities. Few have the resources or time to manage their own employee benefit packages. Montgomery & Graham, Inc. is dedicated to insurance innovations, whatever it takes to meet an individual company’s needs. M&G was founded in 1997 and has worked since that time to offer the highest quality of benefits packages to save businesses money and retain employees. In addition, M&G provides protection with the best property and casualty insurance. They know that those looking and planning insurance or retirement needs for a company’s employees have questions, and M&G have experts ready to answer the questions many people in charge of businesses have.

Montgomery & Graham, Inc. will evaluate and assess the retirement planning, medical, dental and life insurance in an employer’s benefits’ package. M&G will also ask employees about the benefits program through research and surveys. An employer will then be able to tailor a package, so their workers will be happy with their employee benefits. All necessary paperwork and communications with insurance providers will also be handled by Montgomery & Graham, Inc during enrollment and claims.

In today’s society, with lawsuits so prevalent, property and casualty insurance can minimize the risk to a company and enable a company to be more profitable. M&G will find the best coverage for a business and establishes it for that company. And with services such as fleet safety programs, contract reviews, and business interruption insurance, a company using the services of M&G can rest assured with their protection.

Montgomery & Graham not only offers employee benefits management to businesses, but also a variety of options for individuals looking for insurance. They offer programs for individuals with many different types of needs. Those between jobs who are looking for health insurance can find it, as can those seeking alternative care. Montgomery & Graham, Inc. can do more than just provide insurance. They can compare plans and help clients decide which option is best for them. Those who use their services will save money and learn about the best policies available.

Montgomery & Graham, Inc. partners with a number of organizations to be able to provide options that lead the industry in innovation, and have received recognition for it.

Some of their awards include:

Agency of the Year awarded by the Portland Association Health Underwriters, 2002

Platinum Agency Kaiser Award in 2005, 2007, 2008

Light House Award. This was given for being among the fastest growing private companies for five consecutive years

Fastest Growing Private 100 Companies, 2003-2009

You may find that a quote from M&G can save you thousands of dollars. Compare their services to those offered by any insurance broker and you won’t find better service. Visit today for a free consultation, and find out how much you can save on employee benefits for your company and still provide coverage your employees will feel safe and secure with.