For large groups (20 employees and over), group insurance benefits represent a significant financial obligation for employers that can get out of control very easily. The premiums paid for health and dental benefits are affected, in the end, by the actual claims your employees submit so, designing the plan properly in the first place can make all the difference in the world.

Each employer is different and tolerance levels for risk assumption are as well. We recognize this diversity and strive to ensure that each of our clients get the best benefit solution for their particular needs as cost effectively as possible.

As Brokers, we act as intermediaries between our clients and the many separate insurance companies we deal with. This enables us to be objective and put your needs first.

We will:

• Do a Needs Analysis
• Review your plan design
• Obtain quotations from a broad cross-section of benefit providers
• Provide a detailed report with recommendations
• Provide all necessary assistance to implement any benefit or plan changes
• Prepare announcement material for employees
• Train administrative staff
• Check policy documents and employee booklets
• Provide ongoing assistance to plan administrators
• Have direct lines to a real person assigned to look after you
• Help in processing and expediting of claims
• Negotiate your renewal with the current carrier
• Re-market the renewal if it is unfair or inappropriate
• Suggest cost containment measure if necessary
• Assist with Self-Insurance or ASO (Administrative Services Only)
• Assist with Flexible Benefit Plans
• Assist with Health Spending Accounts

Self Insurance

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