Employee Benefits
In these challenging times, we know our business clients need to get the cost of their employee benefits down. Ever escalating rates make it difficult for business owners to remain profitable while still providing valuable health insurance options to their employees. As business owners, we understand the problem, and we help our clients through the maze of available options. We can help your company cut costs and still provide quality benefits.
As independent brokers with over thirty years of experience, we know the benefits marketplace, we provide objective advice, and assure that each dollar spent on benefits is the most effective. In order to provide a thorough analysis of current programs, prepare a concise comparative of options, and recommend intelligent action we employee the following process:
Review existing benefit plans to determine strengths, weaknesses, and ability to meet objectives of the business.
- Gather pertinent census information.
- Solicit alternative quotes.
- Prepare a comparative analysis.
- Review findings and make recommendations.
- Implement appropriate changes.
- Conduct informal employee meetings, if appropriate.
- Provide ongoing review and administrative services.
Once a program is in place, our work continues. We do a detailed analysis each year to assure that we are still using the most cost effective carriers and that the unique requirements of each of our clients is being met.
Contact Cristina Licciardello to see how our company can help your company.
Be sure to check our Resources Page for important tools for your business!
Group Medical Insurance Providers
We are pleased to partner with the following Group Medical Providers:
Where Does Social Security Fit in Your Financial Plan?
Read more here.
Medicare Supplement Options
It’s that time of 
year when those clients who qualify for Medicare need to analyze the best choices for their Supplement Plan. While one of our favorite “go-to” plans, First Freedom, will no longer be available, we have done thorough research into what we believe will be the best options in 2011.
The plans we highlight are not HMO options. We have selected only “Medicare Supplement” options which means that any physician that accepts Medicare will also accept the Supplement plan…an especially important feature for clients who spend time in a second location such as Florida.
Additionally we have prepared a second summary of recommended “Part D” Rx plans.
To view the complete worksheet of the Supplement options click – 2011 Non Group Medicare Options Medical. To view the complete worksheet of Part D Prescription Plans click- 2011 Non Group Medicare Options Rx.