Total Benefit Systems, Inc. is a Michigan insurance agency specializing in group employee benefits and individual medical insurance. We will guide you through the process of designing a benefit package that meets your business needs and budget. Our informative employee meetings will ensure your employees understand their health insurance plans. We can help you develop the best health insurance plan for your needs!

The Sterling Group is a highly regarded local insurance consultant based in Sterling Heights, Michigan. With their expertise and dedication, they have established themselves as a trusted partner for large, midsize, and small employers. Their office in Sterling Heights has successfully collaborated with various clients, including Jones Lang Lasalle Americas Inc, a significant employer in the activities related to the real estate industry with 30,620 members. Working closely with the HR and finance team of Jones Lang Lasalle Americas Inc, The Sterling Group facilitated the implementation of a range of tailored insurance plans. This included setting up a self-funding arrangement, as well as designing HMO plans, PPO plans, PBM, and drug plans that precisely catered to the unique needs of their members. The Sterling Group has built a strong reputation based on their experience in working with self-funded employers and their ability to meet the specific needs of clients seeking HMO and PPO coverage. They also possess extensive knowledge of pharmacy benefit managers (PBMs) and other pharmacy providers. The clients served by The Sterling Group's Sterling Heights office encompass a diverse range of industries, including Global Educational Excellence, Michigan Institute of Urology, and Automotive Credit Corporation. Their exceptional M Score, a reflection of their extensive experience and expertise, further solidifies their standing as a preferred insurance consultant. Drawing on their profound understanding of industries such as lessors of real estate, traveler accommodation, and offices of physicians, The Sterling Group delivers comprehensive insurance solutions that address the unique challenges and requirements of their clients. Through their commitment to excellence, The Sterling Group continues to provide exceptional service to clients throughout Michigan.

We are an outsource risk management company and independent insurance agent focused on delivering the best service to our customers. Our passion for innovative strategies helps customers overcome risk, delivering greater peace of mind. Business Risk Management - Running a business comes with risks. Smart planning with a trusted risk consultant and human resources consultant can help you alleviate or avoid those risks, keeping your business running in the event of loss, accident or liability. Ottawa Kent is a leading specialist in advance planning for the protection of business interests. Our consultative approach sets us apart, allowing us to evaluate risk, provide custom advice, and recommend appropriate and efficient ways to protect each company's interests. Personal Insurance - We specialize in fostering a trusted advisor relationship, continually focused on your total protection. Our clients gain the security and power to survive financially in the event of sickness, accidents or loss of income. For clients with significant assets or liability, we offer one-on-one consultation that goes beyond insurance. . Since 1973, our philosophy has been that the things you value most in life deserve more than a quick insurance policy transaction. Whether you need to safeguard your home, business or employees, our professionals deliver the right solutions.

Wilshire Benefits Group is a reputable insurance broker located in Troy, Michigan. With a focus on delivering exceptional service and tailored solutions, they have built a solid reputation in the industry. Their expertise lies in working with self-funded employers, providing them with comprehensive solutions to meet their unique needs. Additionally, Wilshire Benefits Group has extensive experience collaborating with HMOs and PPOs, ensuring that clients receive the best possible coverage options. One standout example of their work is their partnership with The Care Team, a prominent employer in the home health care services industry. Wilshire Benefits Group worked closely with their HR and finance team to establish a self-funding arrangement, along with a customized HMO plan, PPO plan, PBM, and drug plan tailored specifically to the needs of The Care Team's 380 members. This successful collaboration highlights their ability to understand and address the specific requirements of their clients. Wilshire Benefits Group's client portfolio includes a diverse range of employers, from large corporations like 365 Retail Markets and Delaco Steel to smaller companies like Great Lakes Home Care LLC and Mayco International. They serve clients not only in Michigan but also in Missouri and Georgia, expanding their reach and impact. With their wealth of experience and expertise, Wilshire Benefits Group has garnered an impressive reputation within the industry. They consistently receive high ratings from clients, attributed to their exceptional customer service and in-depth knowledge. Their strong expertise extends to various industries, including offices of physicians, management, scientific and technical consulting services, and plastics product manufacturing. Wilshire Benefits Group's commitment to delivering top-notch insurance solutions has earned them one of the highest M Scores possible, further highlighting their excellence and versatility.

Macqueen & Associates, a local insurance consultant headquartered in Berkley, Michigan, is dedicated to serving large and midsize employers. With a strong emphasis on client satisfaction, they possess extensive experience in working with HMOs and PPOs to meet the unique needs of their clients. A notable example of their expertise in this office location is their partnership with the Board of Trustees, Iron Workers Local No. 25, an employer with 2020 members in the nonresidential building construction industry. Macqueen & Associates collaborated closely with their HR and finance team to design a comprehensive HMO plan, as well as a customized PBM and drug plan tailored to the specific requirements of the members. This showcases their ability to provide specialized insurance solutions that prioritize the well-being of the insured individuals. Macqueen & Associates stands out with their exceptional M Score, one of the highest possible. This rating reflects their vast experience and expertise across different client sizes, industries, and products. Their deep understanding of the insurance landscape enables them to deliver comprehensive coverage and valuable insights to their clients. With a strong focus on building equipment contractors, business and professional organizations, as well as insurance and employee benefit funds, Macqueen & Associates boasts a broad range of industry expertise. Their office in Berkley, Michigan, caters to clients in the state as well as in West Virginia. Among their esteemed employer clients in this location are the Board of Trustees Michiana Electrical Workers Health & Welfare Fund, Board of Trustees Ibew Local 17 Health and Welfare Fund, Board of Trustees Iuoe Local 324 Health & Welfare Fund, and Board of Trustees of The Ua Local Union No. 51 Health & Welfare Plan. In conclusion, Macqueen & Associates is a highly regarded local insurance consultant based in Berkley, Michigan, specializing in serving large and midsize employers. Their strong experience with HMOs and PPOs, coupled with their commitment to delivering tailored insurance solutions, distinguishes them in the industry. With a diverse range of expertise spanning multiple industries, Macqueen & Associates is a trusted partner for businesses seeking comprehensive and customized insurance coverage.

Supplemental Benefits Exchange is a reputable insurance broker with a strong presence in Plymouth, Michigan. With extensive experience catering to the needs of large and midsize employers, Supplemental Benefits Exchange has established itself as a reliable partner in the insurance industry. Their expertise particularly shines when working with self-funded employers, utilizing their knowledge to provide tailored solutions and deliver value to clients. One standout example of their capabilities is their successful collaboration with Ciena Healthcare, an employer in the health care and social assistance industry. Supplemental Benefits Exchange worked closely with Ciena Healthcare's HR and finance team to implement a self-funding arrangement, PPO plan, pharmacy benefit management, and drug plan specifically designed to address the unique requirements of their 10,440 members. Supplemental Benefits Exchange's commitment to excellence is further demonstrated by their impressive M Score, reflecting their vast experience and proficiency in serving clients across various sizes and industries. Their expertise extends to personal services, automobile dealerships, as well as ship and boat building industries. Operating in Michigan, this particular location of Supplemental Benefits Exchange caters to a diverse range of clients, including notable employers like Avalon & Tahoe, Big River Steel, Ciena Healthcare, and Dynamic HR Inc. With their local presence and deep understanding of the region, Supplemental Benefits Exchange is well-positioned to provide comprehensive insurance solutions that meet the specific needs of Michigan-based businesses. Overall, Supplemental Benefits Exchange is a trusted insurance broker with a strong track record, a wide range of expertise, and a commitment to delivering exceptional service to their clients