I love HDHP’s, or high deductible health plans. I think they are great. I find they are easy to understand, provide lower overall costs, and offer huge tax benefits! What’s not to love! We are seeing many more employers offer HDHP’s and if implemented correctly, employees may start taking charge of the their own health […]
Navigating the healthcare claims process can be challenging for employees. Delayed claim payments and denied claims make it even harder for employees to manage their health care. Employees often lack the knowledge or experience to handle these hurdles in the claims process; for instance, many employees don’t think to follow up when their claim is […]
Understanding Educational Assistance Maybe you’re looking for a job and trying to compare the benefits packages of several different companies. Maybe you’re thinking about getting a degree and wondering whether your employer can help with the costs. The purpose of this post is to help you understand educational assistance so you can better understand your […]
According to a 2015 study by the Kaiser Family Foundation and the Health Research and Education Trust, 81 percent of large employers and 49 percent of small employers offer workplace wellness programs. These programs aim to improve employees’ well-being by encouraging them to lose weight, stop smoking or make other positive lifestyle changes. What is […]
A health savings account (HSA) is a great tool for helping manage your out-of-pocket health care expenses. Whether you’re choosing an HSA for the first time for 2017, or you’ve been using one for years, follow these five strategies below to make sure you are getting the most out of your HSA. 1. Contribute as […]
Encourage Employees to Volunteer Many businesses encourage volunteerism among their employees. According to the 2015 Employee Benefits report by the Society for Human Resource Management (SHRM), 21 percent of companies have employee volunteer programs through which they offer their employees paid time off for volunteering—an increase from 15 percent of companies in 2009. Some companies […]
Pet Bereavement?? Many pet owners think of their pets as members of the family, and when a pet dies, the grief can be comparable to that of losing a family member. And your pet doesn’t have to be just a cat or dog, people that have exotic pets can be deeply sadden if their animal […]
FLSA Overtime Rule Change The proposed U.S. Department of Labor (DOL) changes to the “white-collar exemption” in the Fair Labor Standards Act (FLSA) could make more than 5 million individuals eligible for overtime pay—individuals who currently aren’t eligible. This could have a significant impact on employers who may face increased labor costs and compliance efforts. […]
Dental Insurance: What You Need to Know Many of us avoid the dentist because we’re worried about the pain – physical and financial – that often accompany a trip to the dentist’s office. However, did you know that studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including […]
What is an Employee Wellness Fair? Improving the health of your employees can reduce costs and increase productivity, but how do you tackle such a big and sensitive issue? One answer is employer-sponsored health fairs. Also referred to as wellness fairs, these events are designed to provide valuable health information and screening services to employees and […]
Our clients say it best….
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.