As professional Employee Benefits Consultants, the Benefits Department of BIA manages hundreds of employee benefits programs and we pride ourselves on delivering unparalleled customer service. We specialize in partnering with multiple providers to develop employee benefits programs that best meet the needs of employers, helping them to both attract and retain valued employees.
We'll sit down with you and analyze any existing benefits plans, identify potential problem areas and provide recommendations for enhancing your program. In short, we will work with you to develop a proactive, long-range benefits strategy that encompasses all areas of benefits.
Once your plan is up and running, we will be there "on call" to help you manage your program on a day-to-day basis. Claim questions, billing problems...we'll be your "in-house" benefits staff. Your assigned account manager will personally contact the carrier or provider on behalf of your employees. Our experience and extensive knowledge enables us to answer any questions or tackle any issues at hand.
As the renewal date of your benefits program approaches, we will sit down with you and formulate renewal strategies based on your needs and objectives. As an independent agency, Business Insurance Associates is not bound to what the insurance companies may be offering. With years of rate negotiation experience, we will sit on your side of the table during the negotiations with carriers. We will help you analyze all the options and give you a total objective analysis...we work for you, not the insurance companies. This comprehensive and unified relationship that we develop with our clients is what has separated us from the competition. Specifically, we can assist you in all the following areas of group insurance:
Group Health and Dental Insurance. We offer a full range of group health policies including HMOs, Open Access Plans, PPOs and new HRA and HSA Plans. We work with premier carriers, including CareFirst (Blue Cross Blue Shield, Aetna, Anthem, Coventry, CIGNA, Guardian and many others. Both fully insured and partially self-funded plans are available. Group Life, Short and Long-Term Disability, and Long Term Care Plans.
Both employer-paid and voluntary programs are available with many top-rated carriers.
Section 125 Flexible Benefits Plan
This popular program includes a premium-only plan, medical reimbursement and dependent care plans, as well as flexible spending account (cafeteria) plans.