We also provide group employee benefit solutions with a focus on enhancing employee value and retention while managing employer costs. The employee benefit marketplace is facing numerous challenges with an intense focus on employer expense management and significant cost containment pressure for the insurers given the advancements in care and the costs of many new medications. We also provide life and health insurance solutions for administrators and associations focusing on simplified delivery and high value.
Our programs include traditional insured programs as well as self-insured arrangements with stop loss provisions targeted at larger employers capable of managing self-insurance risk. We also offer Health Spending Accounts and utilize these routinely for additional benefit value in a managed way.