The benefits team at Frates Irwin Risk Management Solutions takes a consultative approach with each of our clients, striving to be a strategic business partner. As a consultative health insurance broker, we become an extension of your human resources and management teams.
We invest time to learn and understand the challenges your business faces in order to develop a multi-year strategic plan to help lower costs, address compliance issues, and improve overall employee satisfaction and wellness.
Group health coverage from Frates Irwin Risk Management Solutions enables organizations to provide health benefits to their employees and their dependents. These policies are an alternative to individual health plans and more cost effective.
Employees often consider health insurance when making career moves. An attractive group health package from our team can help your organization attract and retain talent.
From an internal standpoint, group health plans are a considerable undertaking in terms of cost and management. We can help find coverage that protects your employees’ well being and your bottom line.
Offered as Health Maintenance Organization (HMO), Preferred Provider Organizations (PPO), Point of Service (POS) Plan, our primary group health offerings can be tailored to meet your needs.
- Savings Accounts
Our team stays on top of the latest federal legislative developments in the insurance and employee benefits industries in order to provide you with the best and most appropriate service and policies. We understand complicated, changing mandates which dictate health care reform compliance and provide timely legislative bulletins detailing and explaining new and changing rules, regulations, and delays.
Employee Benefit Program Solutions
- Flexible spending accounts (FSA)
- Health reimbursement accounts (HRA)
- Health savings accounts (HSA)
- Self-insured programs
- Stop loss, aggregate insurance
- Group dental insurance
- Telemedicine Life insurance
- Disability plans
- Prescription drug plans
- Voluntary/Supplemental insurance programs
- Employee assistance programs (EAP)
- Cafeteria plans
- Financial incentives
- Customized employee communications
- Experienced client service team
- Implementation assistance
- Year-round support
- Human resource advisement
- Strategic planning
- Legislative consultation
- Actuarial services, Data analysis
- On-line client portal
Looking for a customized option? Contact us to discuss your needs. We can find a solution!