About Us
Since 1990, Distinctive Insurance has provided insurance and employee benefits consulting services to Southern Nevada businesses.
Distinctive was founded on the belief that a benefit and risk management firm should function as an arm of the company it represents. Distinctive strives to deliver tailored insurance solutions with thoughtful strategic planning, valuable professional services, and technology-based resources.
In 2018, Distinctive joined Alera Group, one of the nation’s top 15 largest independent insurance agencies and one of the top 10 largest privately held benefits firms.
The Alera Group comprises over 80 firms and serves thousands of clients nationwide. This national presence allows Distinctive to provide employee benefits, property and casualty, and wealth management services with the resources, technical expertise and best practices of a larger national firm.
Meet Our Team
Jonathan Johnson
Managing PartnerSandra Johnson
Account ManagerTonya Johnson
Account ExecutiveRichard Krause
Vice President of Employee BenefitsRichard W. Krause is Vice President of Employee Benefits. He has been with the agency for seven years and has over 33 years experience in the areas of employee benefits as well as individual life and disability. His served as Vice President and senior management for a Third Party Administrator involved in administration of self funded plans for mid sized and large employers and was Vice President and senior sales executive with a national insurance company specializing in group benefits. Prior to his current role, he owned his own employee benefit consulting company providing plan recommendations, claim analysis, carrier negotiations, regulatory compliance support, health risk management, wellness program design and communication and employee education. His professional services have been invaluable to a variety of businesses including Gaming, Hotels, Construction, Hospitals, Manufacturing, Technology, retail and other service related businesses. He attended the University of South Florida and is an active member in several industry specific organizations.
Resources
Portal Resources
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Setting Your Strategy for the New Year: Alera Group's 2025 Employee Benefits Market Outlook
Our experts will highlight key results from Alera Group’s "2025 Employee Benefits Market Outlook" and explain how these trends can impact your benefits program this year.
January 16, 2025 at 01:00 pm CT | Virtual
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State of the Markets
Join us as we unveil the factors that drive the nation's financial pulse and how they may impact your personal finances.
January 22, 2025 at 12:00 pm CT | Virtual
Sign UpWealth Services
State of the Markets
Join us as we unveil the factors that drive the nation's financial pulse and how they may impact your personal finances.
April 23, 2025 at 12:00 pm CT | Virtual
Sign UpTHOUGHT LEADERSHIP
Insights
Employee Benefits
Don’t Forget About Your Gag Clause Attestations
When the Consolidated Appropriations Act, 2021 (CAA) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release of certain information related to provider networks and de-identified encounter data, among other things. Such restrictions are commonly referred to as “gag clauses.” The CAA also requires plans and carriers to attest annually that their agreements do not include such impermissible gag clauses.
November 20, 2024
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Avoiding an Employee Lawsuit Over a Tobacco Surcharge Claim
Tobacco surcharges on health insurance premiums for employees who use tobacco products are attractive options for employers looking to keep their workforce healthy while lowering their organization’s healthcare costs. But surcharges can go too far, and many employers may be unaware of the limitations. Alera Group's new whitepaper on tobacco surcharges is designed to assist employers in complying with federal regulations.
November 19, 2024
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Q4 Considerations: New HIPAA Privacy Considerations
Earlier this year, the Department of Health and Human Services (HHS) issued a Final Rule titled HIPAA Privacy Rule to Support Reproductive Health Care Privacy.
November 15, 2024
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Spotlight on 2025 Benefit Limits
The IRS has released the 2025 benefit plan limits. The following chart shows some of the key limits for the 2023, 2024 and 2025 tax years.
November 15, 2024
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