We can help build and maintain a comprehensive group benefits program for businesses and their employees.  We specialize in providing brokerage and consulting services in the following areas:

Group Health Plans (both fully insured and self-funded)
High-Deductible Health Plans (HDHPs) and Consumer-Driven Health Plans (CDHPs)
Health Savings Account Plans (HSAs)
Health Reimbursement Accounts (HRAs)
Dental Plans
Vision Plans
Life Insurance Plans
Long-Term Care Plans
Cancer and Other Specialty Plans
Limited Benefit Health Plans
Gap Health Plans
Section 125 Cafeteria Plans (including Flexible Spending and Dependent Care)
401(k) Plans and other Retirement Savings Plans

Just like every other business, our clients are price-sensitive.  We focus on accommodating that concern through a detailed planning process with both short-term and long-term vision.  

However, there is more to the story than just the cost of premiums.  Often, our clients are better served by CREATIVELY building a comprehensive plan, taking advantage of several products to accomplish the desired outcome. Some of our clients have built a program using a combination of higher deductible health plans in connection with FSAs, HSAs, or HRAs.  In some cases, combining such programs with a limited benefit health plan or gap plan provides similar coverage to traditional lower deductible plans at reduced costs.

Some clients have unique needs, such as covering part-time or seasonal staff members.  Under certain circumstances, we can create a plan (or multiple plans) that cover all of the employees, including part-time or seasonal staff.

Ultimately, each client's needs are unique! Our solutions are unique!  Together, we can build a program that fits current needs and sets the stage for future years.

In the end, OUR BUSINESS IS IMPROVING YOURS!