Employee Benefit Firm specializing in wellness, medical (fully insured and self-funded), dental, vision, employer paid life, voluntary life (whole and term), STD (short term disability), LTD (long term disability), FSA (flexible spending accounts), Section 125, COBRA and State Continuation, Worksite Benefits (critical illness, accident, etc). We feel we are more than just your broker; we are your advisor. In this ever changing industry it is imparative you have someone on your side keeping you abreast of all the legal regulations and potential changes which may affect you and your employees. Instead of just trying to mitigate costs by continually increasing deductibles we have taken the role of educating employers and employees on what can be done to change behaviors. We feel the most effective way to bend the health care cost trend is to reduce overall claims. This can be accomplished by modifying behaviors which will ultimately reduce overall claims utilization.