Employee Benefits


Employee Benefits

The medical insurance space is daunting for employers on many levels. It is complicated, expensive, labor intensive and if not administered correctly, there is an enormous liability on the business imposed by federal legislation through ERISA, PPACA, and most recently CAA. There are small groups, large groups, fully funded plans, self-funded plans, PEOs, the list goes on and on. How is anyone expected to keep it all straight?

The baseline for an employee benefits consultant is to present the best plan design and most competitive rates for their clients, which most do effectively. What separates benefit brokers is certainly customer service and employee education but as the space gets more competitive, what value added services are they providing?

Colored Wall

Are they subsidizing, building, maintaining and integrating benefit administration technology?


Are they providing your employees with licensed benefit counselors at open enrollment so every person at your company has a personal interaction with an expert to guide them through the enrollment process, answer their questions, and help them make informed decisions regarding their healthcare plans?



The Programs

Employee benefits programs encompass an array of products & we seek to identify the competitive differentiators of each product. We deliver the products that best meet the client’s needs and present programs that yield the most effective outcome. HCM Insider draws on our network of partners with decades of industry experience to deliver these services, organize the designs and present programs that ensure premium dollars reach their full potential.

  • Group Medical Insurance
  • Ancillary Voluntary/Worksite
  • Benefit Administration
  • Enrollment Services