Full List of Services

Group Medical: HMO, PPO: local and national; High Deductible Plans with HRA and HSA (Health Reimbursement Accounts & Health Savings Accounts) Funding Options: Fully Insured, Partially Self-funded
Group Dental
Retirement Plans: 401(k)'s, Profit Sharing & Pension Plans
Group Life and AD&D
Group Short and Long Term Disability: Contributory and Non-contributory
Voluntary Benefits: Life/Disability, Dental, Long Term Care
Group Long Term Care
Employee Assistance Programs, Flexible Spending Accounts, COBRA
International Benefits

Consulting Services include:
      Full market tests for all lines of coverage
      Strategic planning to establish short and long range goals
      Assisting in implementation of insurance programs
      Feasibility studies for alternative funding arrangements
      Assisting in the review of group contracts, plan documents, certificates and booklets
      Assisting our clients with their day to day problem solving; liaison between client and vendors
      Assisting in the development of employee communications
      Renewal negotiations
      Mergers/Acquisitions: impact study; financial projects; assistance with plan terminations
      Legislative/Regulatory Guidance