Services Experience Matters

Medical Coverage Benefit Consulting:

We implement a variety of plans designed to meet the changing needs and concerns of employees and the employers. Through the implementation of such plan types as traditional insurance, Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO), Point of Service (POS), Self-funding and combination plans, your company will have the choice to provide the most effective plan for both the employee and employer.

Our strategic alliance with various insurance companies enables us to provide the following services:

  • Group Medical Plans
  • Group Life Insurance Plans
  • Voluntary Group Insurance Plans
  • Short Term Disability
  • Long Term Disability
  • 401-K Pension Plans
  • Group Dental Plans
  • Employee Assistance Plans
  • Group Vision Plans
  • Group Long Term Care
  • Section 125 Administration
  • Flexible Spending Accounts
  • Cafeteria Program Design
  • Cobra Administration
  • Self Funded Programs

Cobra Aid Assistance Programs:

Assistance in the selection of the right Cobra Administration Company to fit you and your employee’s needs. Now more than ever these programs are there to help with all of your Cobra questions and the administration of Cobra.

Section 125 Premium Only Plan:

The Section 125 saves you and your employees money by reducing payroll taxes. Employees pay their portion of insurance premiums on a pre-tax basis rather than on an after-tax basis. Reduces your taxable payroll by reducing your employees’ taxable income. So both you and your employees pay less in taxes.

If you are not requiring employees to contribute to the cost of their insurance, a Section 125 Premium Only Plan allows you to do so with the least impact on employee salaries.

HR Answer Link-Human Resource Center:

HR Answer Link has partnered with Choice Benefits, Inc. to provide our clients with a web-based resource that features user-friendly, proactive tools, as well as assistance with a wide variety of Human Resources and compliance topics. There are additional services available that may be beneficial to your company and our agents will discuss these in detail.


Our staff is always available to assist our client’s members resolving any type of claim issue and providing a resolution in all cases. They assist with the administration of our client's benefits plans by adding, changing or terminating members to the employer’s group plan. During Open Enrollment, they work closely with our clients HR staff to collect and present data for the preparation of the group's anniversary renewal. This data will then be sent to all insurance carriers so we can provide a "market-survey" to our clients detailing a comparison of plan benefits and rates instrumental in the renewal process.