Welcome To
Mk benefit consultants
An Employee Benefits Firm That Thinks Differently. You handle living. We will do the rest.
Mary Koger is an independent insurance broker helping individuals, families and businesses...
navigate the world of choosing insurance to pay for medical expenses, and expenses after your disability or death. That may mean explaining how Medicare works and recommending supplemental insurance for someone turning 65, helping a family choose and purchase health insurance, or helping a business choose the most cost-efficient employee benefits (health, dental, vision, disability, life) for employees. It may also mean designing a life or disability insurance policy for those “what if” situations life can throw at us.
What we have to offer
Services
Our Services / Group Health Insurance
Mary specializes in helping businesses with 1-99 employees choose health, dental and other employee benefits, educating and enrolling employees, compliance and administration. All while saving you money, lowering deductibles and cost for prescription drugs.
Individual Health Insurance
Buy your own health insurance? The market is a confusing place. Mary can help; by finding the best plans, enrolling you on the Marketplace or off, and explaining how it all works.
Medicare Health Plans + Supplemental Insurance
Turning 65? Need to understand how Medicare works? Mary can explain it so it all makes sense. She will then research and recommend a Medicare Supplement, Part D Rx, or Medicare Advantage plans and explain the details.
Dental + Vision Insurance
If you do not have these coverages through work you can choose your own dental plan to cover 6 month visits, cleanings, root canals, crowns, etc. You can choose vision insurance for exams and hardware too.
Supplemental, Payroll Deducted Voluntary Benefits
Supplemental benefits products are insurance policies that provide financial protection against expenses associated with accidents or illnesses not covered by major medical insurance. These products, provided through employers or offered on an individual basis, are key to the financial security of many families across the nation.
Personal and Business Life Insurance
Personal Life Insurance protects the ones you love in the unexpected event something happened to you. It can continue to fund your monthly budget, and your dreams for the future.
Businesses need Life Insurance to protect the business and its owners, in times of death or business downturn, or to secure a loan. There are many creative uses for Life Insurance in your business.
LegalShield / ID Shield Identity Theft protection.
LegalShield has a network of dedicated law firms in all 50 states and all Canadian provinces and territories made up of seasoned lawyers, each average 22 years of experience. People need legal coverage without the complexity because life can be unpredictable and the law can be complicated. LegalShield has created a model for legal coverage in which you know exactly what you're getting and precisely how much you're paying for it. See more...
401K and Retirement Plans: Transamerica
Transamerica has been helping people feel better about their financial future for more than 85 years. We’re proud of the trust we have earned by providing plan sponsors with high-quality solutions and plan participants with intuitive tools, guidance, and advice. Our decades of experience have helped us tailor solutions for businesses of all sizes through defined benefit, defined contribution, cash balance, and multiple employer plans, just to name a few.
HR Platforms, and Section 125 and FSA Plans
Making compliance and HR simple, giving you peace of mind and hassle free solutions. We offer training, an online employee handbook, HR Compliance Assessment, total compensation statements, HR Legal Library, HR Tools and templates, and access to HR Helpdesk. We will also do free setups of section 125 plans and low costs for FSA plans.
Why Insurance “Broker”?
You will see on this site time and time again that we are an insurance broker, not an agent. Why do we think that is so important?
There are many iterations of the agent and broker, but in short…. insurance agents usually represent one insurance company (think of the insurers that advertise incessantly on television). If you speak with an insurance agent and ask any question, or request an insurance idea for anything, the answer is always going to be… the one company they represent!
As a insurance broker, we work with all the insurance companies. When you ask a question, our answer is not motivated by one insurer’s expectations. When you request a quote of insurance, we can research and find the best coverage for your needs (in both benefit and cost) from among all of the available choices.