How employee benefits brokers get paid
Commissions, fees, and what your broker actually earns on your plan, explained plainly.
Read the guideFor Texas employers with 50+ employees
Renewal showed up last minute again?
Medcore Brokerage is a McKinney, Texas employee benefits broker for employers with 50 or more employees. You shouldn't have to accept an increase because there's no time to shop. We can review your renewal and options in as little as a week, then start every renewal after that 120 days early.
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Instead of just accepting increases, we decided to fill out Medcore’s free audit form online to see if there was a better way. Within a week, they reviewed our plan, found ways to save, and even negotiated with carriers to bring our renewal down.
Rhonda HowardGoogle review
- 7 daysTo review her options
- Lower costsWithout cutting coverage
- Less stressFor leadership and HR
“Their team didn’t just help us select a benefits package. They took the time to sit down with each employee individually to explain the options in a way that was clear and easy to understand.”
“Our workforce in Eagle Pass includes employees with very different levels of benefits knowledge. Medcore adjusted their communication to meet people where they were. Participation increased, and confusion dropped significantly.”
“Trey was responsive, very helpful, and generous with his knowledge. He took the time to walk me through all the best options that fit the needs of our family and business, and the timing to make the best moves.”
“I found Medcore on YouTube. They had some great information on there but I had a few questions. I called the office and talked to Trey. He answered all my questions without making me feel rushed.”
“Not flashy. Just dependable and thorough, which is exactly what we needed.”
“I was referred by a friend of mine to use Medcore. So far so good. Very smooth enrollment.”
Why owners switch to Medcore
Fees keep climbing
We explain exactly how we're paid before you sign, so you know what your plan is costing you.
Your broker only calls at renewal
We stay involved all year, for new hires, claim problems, and compliance questions.
Enrollment is left to you
We run enrollment on site in English and Spanish, not just a login and a deadline.
No time to shop
We start next year's renewal 120 days out, so you're never stuck with a last-minute increase again.
How every renewal runs once you switch
- 120 daysPull claims and census data
- 90 daysMarket carriers and funding options
- 60 daysReview options with leadership
- 30 daysBilingual in-person enrollment
- RenewalCoverage starts on time
Watch before you shop
Short explainers from Trey on the questions employers ask most.
Stop wasting money on the wrong broker
What we handle
One broker for the whole benefits package, from renewal strategy to the last enrollment form.
- Group health
- Dental and vision
- Life and disability
- Voluntary benefits
- Section 125 plans
- ACA compliance
Guides for employers
All articles
How to shop for group health insurance the right way
Why emailing several brokers backfires, and what really sets your rate.
Read the guide
Your renewal should arrive 60 days early
What to expect from your carrier and broker before renewal, and what to do if it's late.
Read the guide- 5.0 ratingon Google
- Since 2012McKinney office
- StatewideAcross Texas
- In personEnglish and Spanish
Carriers we work with
Common questions
Our renewal is due soon. Is it too late to switch?
Often not. With a broker of record letter, we can review your renewal and look for options before it takes effect. If there truly isn't time to shop well, we'll help you through this renewal and start next year's 120 days early.
Do we have to offer health insurance in Texas?
Texas has no state requirement, but under the ACA, employers with 50 or more full-time equivalent employees can face IRS penalties if they don't offer affordable coverage.
Can we switch brokers before our renewal?
Yes. A broker of record letter moves your account to a new broker, usually without changing your plan or carrier. Starting well before renewal gives you the most options.
How is Medcore paid?
Mostly through carrier commissions built into your premiums. We explain exactly how before you sign anything.
Do you handle employers with several Texas locations?
Yes. We coordinate enrollment across markets including McKinney, Dallas, Houston, San Antonio, McAllen, Brownsville, Corpus Christi, and Laredo.
What enrollment platform do you use?
Employee Navigator, for online enrollment, dependent verification, ACA tracking, COBRA, and year-round plan changes.
Get the Benefits Blueprint
Trey's short newsletter on LinkedIn for Texas employers, every two weeks.
Rather talk it through?
Call the McKinney office, Monday to Friday, 9 AM to 5 PM.