Mercer Sales Desk

When it comes to selecting a benefits program for your employees, it's not just about selecting a health plan, but the efficiency, services and delivery of a competitive program.

The Mercer Sales Desk is focused on the specific needs of the small employer. We understand the challenges a small employer faces in today's marketplace and will design a customized benefit package to help you save money, make your job easier, keep you in compliance with the myriad of laws and regulations and help you attract and retain qualified talent. Our solution is provided through INcompass, a Digital Insurance brand designed specifically for small businesses.

Find out how Mercer can provide more services while saving you time and money. Call 1-866-305-1040 (M-F 8:00 a.m.–5:00 p.m. live assistance nationwide with 24-hour voicemail service) for private, confidential, toll-free assistance. Or, contact us anytime through our secure online quote request page. Simply click the Get a Quote tab above.

Frequently Asked Questions

	What does the Mercer Sales desk offer me? What types of coverage are available? Is there a discount on health services through this program? What type of health information or exams is required? How do I contact the Mercer Sales Desk? What information will I need to provide? What is the process to obtain a quote?
	What does the Mercer Sales desk offer me?
	Mercer Sales Desk services will help you save time, save money, make benefits easier to manage and keep you compliant, regardless of the size of your company. We deliver this through access to over 400 insurers nationally, offering an employer AND employee help desk for questions and problems, “ask to expert” hotline for employers on HR related issues, and a variety of valuable web based information. Mercer may be made the broker of record on existing policies to qualify for these benefits as well. Our commitment is to find the best available health insurance for each budget, location and individual medical need.
	What types of coverage are available?
	You will be able to evaluate health, dental, Life and accidental death and disability, short and long term disability as well as vision coverage in all 50 states. There are also services such as HR tools, benefits administration, COBRA/HIPAA administration, Flexible Spending Account administration, etc. The newest programs are discount health products and services.
	Is there a discount on health services through this program?
	Insurance rates are regulated by state therefore discounts are not available on medical for less than 50 employees. Some types of insurances may qualify for proprietary program discounts with long rate guarantees or preferred underwriting. Additional NEW web based tools are provided by Mercer for legislation, wellness, HR, etc. at no additional cost to participating members. These tools typically cost an individual firm several thousand dollars (depending on number of employees).
	What type of health information or exams is required?
	Depending on the specific plan you're interested in, you may need to answer some basic questions or provide evidence of good health before the insurance company approves your policy. Health exams may be requested for individual life and disability applications only.
	How do I contact the Mercer Sales Desk?
	You can request a quote online through this website by clicking the Get a Quote tab above. Or you can call 1 (866) 305-1040 to speak to a consultant today.
	What information will I need to provide?
	You will need to provide a census of all full-time employees (gender, age, home zip code, type of plans enrolled in now, and dependent, such as whether a spouse or children are covered). The representative will ask about any current insurance you are replacing and whether there are disabled persons, COBRA continuees or known health conditions that need to be covered.
	What is the process to obtain a quote?
	Request a quote online through this website right now or call 1 (866) 305-1040. To inquire via the web, simply click the Get a Quote tab above. You will complete a brief questionnaire and a live person will contact you within 48 hours to complete the process. Once you have provided basic information about your company and the applicants, Mercer can market on your behalf, discuss your options and walk you and your employees through the entire process.

Services and Resources

What value added services do you receive from your current agent or broker? See how they compare to what you'll receive through the Mercer Sales Desk:

Services and Resources	Current Agent	Mercer Sales Desk Services
Employer evaluation tool to determine the right benefit products to fit your needs	?	Yes
Access to all carriers and products	?	Yes
Exclusive dental, life and disability products with discounted rates and longer rate guarantees	?	Yes
Interactive tool to determine the contribution level to set for employees pre-tax	?	Yes
Exhibits to evaluate cost savings when considering a Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA)	?	Yes
Employee Help Desk to assist employees with benefit questions and issues	?	Yes
Dedicated team of licensed professionals available to assist with all aspects of your employer benefit program with one call	?	Yes
Human Resource Training programs available and ready to use with your employees	?	Yes
Interactive on-line access to state and federal employer laws	?	Yes
Ability to seek guidance from Human Resource professionals and legal counsel regarding employer issues	?	Yes
Guidance on documentation compliancy for your benefit program, including forms and templates	?	Yes

Solutions for Small Businesses

Cost Savings

Benefit Package Evaluation Tool. Employer benefits assessment tool designed to help employers make the right product choices the first time. This will help employers prioritize the needs of the business and employees, and determine which products will achieve the desired results.
Tax Savings. Our offering includes products and tools to determine how product choices will affect employer and employee tax outcomes, including employee contribution analysis.

Innovative Products

Full range of health and benefit products. With more than 400 carrier relationships, the Sales desk can provide you with the product options available in your market to fit your needs and help you accomplish your goals, including specially designed and priced ancillary products like dental, life and disability.
Online employee benefits resource. Our offering includes "Ask the Expert" support desk, online library and training tools, as well as an employer newsletter.
Online health and wellness management program. With the goal of improving health and productivity, this service —which is available to all employees—includes individual health risk assessments, interactive health education lessons, health logs and trackers, wellness calculators and self-care resources.

Administrative Support

Employee Direct Help Desk. Access to a support center the provides your employees with information support for provider networks, clarification of benefit plan provisions and resolution of claims, eligibility and pharmacy issues.
Proactive client support and strategic benefits development. Includes post-renewal triage, mid-year plan performance and compliance review, supplemental product analysis and pre-renewal strategy call.
Human Resources Training Tools. Free, completely packaged training programs to address today's human resource topics and issues.

Liability Reduction

State and Federal Guidance. Employee benefits compliance review covering your employer responsibilities for HIPAA, document and filing requirements, discrimination testing, COBRA and state continuation timeliness and process. Online access to numerous Human Resource topics.
Human Resource Professionals. Online access for assistance from professional Human resource counselors including legal opinions for general and specific case questions.
Documentation. Assistance with employer requirements for documentation of you benefit program and employee handbook, including forms and templates.

Mercer News

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Mercer Human Resource Consulting:
Proud to be named by Business Insurance as the winner of its first ever Reader's Choice Award as the "best employee benefits consultant" measured by service, value, quality, and innovation.

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The IRS has released 42 health savings account (HSA) questions and answers (Notice 2008-59), giving information for employers that already offer HSAs or are considering an HSA program. Read more...

November 2008

Which family members can have tax-free health coverage?

October 2008

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September 2008

Employer health plans face MSP reporting requirements

Dependent eligibility audits make good business sense

August 2008

On-site health clinics require an ounce of legal prevention

State and federal laws pose challenge in offering domestic partner benefits