Broker Check

Employee Benefits

Employee health insurance is by far the most popular benefit offered by U.S. employers, but buying it especially for small firms can be a daunting task. Today's employee benefits marketplace is an ever changing environment, with healthcare reform to new creative plan designs being introduced by the insurance carriers. It is critical you select the appropriate broker to advise and guide you through this time. Working in conjunction with a client's human resource department, we can assist in all aspects of employee benefits management. A streamlined, responsive benefits program can help employees feel like their needs are being met in a timely fashion. We represent the top rated insurance companies therefore we are able to negotiate the lowest possible rates, with the longest rate guarantees.

At River Financial Group we offer:

Group Products

  • Medical - Traditional, PPO, HMO, HSA, HRA, Limited Benefit
  • Self-Insured Plans
  • Disability Protection- Employer paid Long-Term & Short-Term Disability
  • Voluntary plans - Dental, Disability, Vision, Life
  • Special Risk - Travel Accident, High Limit Personal Accident
  • Worksite Marketing - Pre-Paid Legal, Cancer, Accident, Critical Illness, Long Term Care
  • Wellness Programs
  • Executive Carve out disability & Life

Individual Products

  • Medical -Traditional, PPO, HSA
  • Dental - DMO, Traditional, PPO
  • Medicare Supplements
  • Medicare prescription drug plans

Renewal/Enrollment Services

  • Renewal negotiating
  • Market analysis review
  • Tailored benefit summaries for all employees
  • Employee benefits presentations onsite
  • Spousal education

Customer Service

  • Investigates claim and administration inquires
  • Assist in Client billing administration
  • Assist with Employee benefits updates
  • Process employee enrollment