All health plans are not the same, even if the copays look similar.  Anyone can crunch a few numbers, list several of the common benefits and place it on top of a bunch of health plan proposals.  You end up taking a lot of your time trying to sift through the “raw” data from the agent/broker in general practice.

Working with us you will receive a comprehensive analysis containing all of the appropriate leading health plans and multiple options from each of them.  Each plan is compared to your existing plan benefits along with associated costs and percentages.  Many hours are invested by us to give you a unique analysis, customized to your specific needs.

We discuss the provider networks and which one bests fits your company profile.  There may be up tp 40 different plans that we have developed on your behalf.  We discuss options such as offering a single plan HMO, a dual choice Hi-Lo HMO or HMO with POS, and including a PPO depending upon the number of out of state employees or company preference.  High deductible health plans (HDHP) are gaining in popularity and have become a regularly discussed option of which we are able to implement.  Additional options to complement your health plan include HSA, HRA, FSA and Section 105 funding options.

Our clients constantly comment on the “ease” at which they are able to make a decision because of the comprehensiveness of the analysis and our advice. We are "Your Right Arm for Benefits Solutions"–saving you time, expense and providing you with more services than our competitors.

All dental plans may look alike but they pay benefits quite differently.  We have developed comprehensive internal analytical data on the leading dental plans.  Our comprehensive analysis details many of the differences of each plan on our concise template.  We discuss how the PPO networks will work in a given county and help you determine which dental plan is the most appropriate for your company and its employees.  We also show and discuss the variety of benefits that are available.

This inexpensive benefit is typically an employer paid benefit for every active full-time employee in your company.  Some clients want a multiple of annual income or simply a flat (same amount) benefit for all of their employees.  The first $50,000 of this benefit is a corporate tax deductible benefit.  For some of your employees this may be their only life insurance.   Executive life benefits planning is a specialty among our team of strategic partners.  We are "Your Right Arm for Benefits Solutions"–able to take care of your needs and think outside the box on your behalf.

Some employers desire the opportunity to have their employees purchase more of this low-cost term life insurance under a voluntary life program.  We can show you the parameters of this type of benefit.

The majority of our clients have this benefit for their employees because we have invested the time with them to understand its great importance. This low cost benefit is perhaps the most important of all benefits because it protects the employee in the event of a serious disability with a regular paycheck. This is another inexpensive benefit that is typically paid by the employer for all of its active full time employees.  It is a corporate deduction and is easily administered through the high quality insurance carriers that we utilize.  Most of our clients combine this with their Group Life/AD&D plan to achieve multi-plan discounts with the same insurance carrier.  Knowing how to structure these plans to be sure the stakeholders are taken care of is our specialty!  We are "Your Right Arm for Benefits Solutions"-knowing the little things that make a big difference to you.

Some employers desire the opportunity to have their employees purchase this low-cost group income protection at group rates through a voluntary disability program. We can show you the parameters of this type of benefit.

While we are not an attorney or an accountant who give you specific advice in their areas of expertise, we can provide you with commonly accepted information about many of the employer laws of employee benefits plans compliance within such areas as COBRA, Group Medicare D, HIPAA, Premium Only Plans (POP) and Flexible Spending Account (FSA) plans, HR assistance, along with Health Savings Accounts (HSA).  Most agents and brokers shy away from talking about this information due to their lack of general knowledge in these areas.  We are confident in stating that we are well versed in these areas and have guided our clients successfully for many years to stay in compliance.  We are "Your Right Arm for Benefits Solutions"–always ready to assist you.

No need to dial that 800# when we are your employee benefits broker!  We are here to assist you (and your employees) when there is a claim problem.  Even the best insurance carriers need a little bit of extra help sometimes.  We have been interceding on our clients’ behalf for more than a quarter of a century.  Experience Counts!  The insurance carriers recognize our ability to intervene as an asset and help resolve the issues of the day.  This is an area where we truly outshine our competitors and are very proud of it!

Most of our clients are not human resource experts as a general rule.  They are small and medium size businesses working very hard to compete in their world of specialization.  Their CFO, Controller or Office Manager are usually assigned the responsibility of administering the "Group Employee Benefits Plan".  Since these people are" wearing many hats", they call upon our services in assisting with eligibility, an enrollment issue that needs to be addressed, or conducting employee meetings to describe the revised or new benefits and contributions.  Our website even has a secured environment for each client and their employees which allows them to review their benefit plans, contributions, employee handbook, benefits statement, and more.  We assist you in the little, yet important details of running your benefits plan smoothly so you can focus on your business.

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This comprehensive analysis is created to meet your specific needs!  It is far more than just a page of single & family rates, plan name and a bunch of proposals.  It is not a purchased computer generated proposal service. Hours and hours are devoted to each comprehensive analysis to give you the personal attention you need and deserve!  Issues are researched. Census information is analyzed.  Health plan alternative options are carefully selected.   Employer contribution has a strategy.  Multi-site (or out of state/out of country) locations are geographically infused.  Health plan provider networks are reviewed and discussed to determine which one best fits your needs.  For over 20 years we have been "Your Right Arm for Benefits Solutions"–a valued resource to your management team.

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