We start with the right questions, then draw on experience and available resources to recommend and implement customer solutions.

• 25 years of experience
• Independent brokers representing all major carriers
• Plan design strategies to meet corporate HR and financial goals
• Employee contribution analysis, modeling and recommendations
• Proactive renewal process
• Competitive bidding
• Aggressive carrier negotiations
• Cost/utilization claims review and analysis
• Benchmarking
• Employee surveys
• Detailed plan analysis and market comparison
• Use of tax-favored vehicles to maximize corporate and employee dollars
• Flexible Spending Accounts (FSAs)
• Health Savings Accounts (HSAs)
• Health Reimbursement Arrangements (HRAs)