Business & Governmental Insurance Agency

Employee Benefit Plans

BGIA offers a complete range of consulting services on healthcare benefits, dental, vision, prescription drug programs, long term disability, group term life, 401k and other retirement plans. We offer continuous support to our Public Entity clients in all aspects from program design and analysis to administrative services.

BGIA has access to the insurance marketplace. We canvas the market and request proposals from a variety of insurance companies, selecting only those that meet our high standards. Paramount in the selection process is the financial strength and stability of the company, the specific coverage available, cost and the customer service capabilities of the company.

In recent years, this has been a volatile area due to legislative reform, mergers, acquisitions and healthcare innovations. As a result, we explore all the options from the varied insured and self-insured alternatives. We will work to enhance existing programs, negotiating cost savings and providing administrative support.

BGIA has been successful in negotiating multi-year rate guarantees, program enhancements and rate reductions.

Support Services

• Plan review and design
• Program alternatives
• Voluntary employee benefit plans
• Marketing your needs to the insurance marketplace
• Internal administrative procedures
• Preparation and selection of competitive proposals
• Liaison between client and insurers
• Benefit design enhancements
• Benefit communications
• Employee open enrollment
• Claims adjudication
• Stop Loss coverage review and monitoring