Csone is a highly experienced regional insurance consultant based in Concord, New Hampshire. They have a wide range of expertise working with clients of all sizes, including large, midsize, and small employers. Known for their exceptional knowledge and proficiency, Csone specializes in self-funded clients, HMOs, PPOs, and carving out drug and pharmacy plans. An excellent example of their work in the Concord market is their collaboration with Marquis Management, a building finishing contractors employer with 250 members. Csone partnered with their HR and finance team to develop a comprehensive insurance package that included a self-funding arrangement, HMO plan, PPO plan, and PBM and drug plan tailored to meet the unique needs of their members. Csone is recognized as one of the top brokerages in the Concord, NH market due to their extensive experience and expertise across different client sizes, industries, and insurance products. They consistently achieve one of the highest M Scores possible, reflecting their exceptional track record and commitment to providing outstanding service. With their office in Concord, Csone serves clients across multiple states, including Vermont, New Hampshire, Maine, Massachusetts, Wisconsin, Kentucky, Florida, Tennessee, Michigan, Missouri, and Georgia. They have established relationships with a range of notable employers, such as Afscme Council 93, Blue Cross & Blue Shield of Vermont, Brattleboro Memorial Hospital, and Brattleboro Retreat. Csone's strong expertise extends to various industries, including health care and social assistance, insurance-related activities, and individual and family services. Their vast knowledge and understanding of these sectors enable them to offer tailored insurance solutions that effectively address the unique challenges and requirements of their clients.

Clark & Lavey has been an innovator in the employee benefits market space for more than twenty years, providing clients with effective, long-term solutions to meet their health plan needs. We work with clients to control their health plan spending and provide resources that play a critical role in their success, including best-in-class HR services for compliance, technology, employee development and retention, regulatory assistance, and much more. At Clark & Lavey, our dedicated team provides a wide array of impactful resources while maintaining the personalized attention of a small agency. Through the years, we have stayed true to that vision while collectively servicing over 10,000 employers and nearly 9 million employees, representing all major market segments. As a member of Hilb Group, Clark & Lavey provides the best of both worlds: local, personal service, and the national resources of a large broker. Clark & Lavey's benefits professionals often find ways to facilitate pricing advantages that other firms miss, especially through our group health captive solution. InCap®, Clark & Lavey’s proprietary group health captive, allows firms to band together in purchasing their employee health insurance, while still maintaining their individual control. There is safety in numbers, and the risk is spread across a much larger census, driving down renewal rates and reducing exposure to the disruption of big claims. Investment and underwriting profits are also returned to their bottom lines, a bonus unavailable to those in the fully-insured marketplace. The results have consistently been positive for InCap participants. In fact, one InCap participant had both lower renewal rates and received $368,848 back to its bottom line from the most-recent pool return of more than $1.5 million. In today's fast-paced global environment, you have more challenges and demands on your time than ever before. Clark & Lavey has your benefits solutions.

New England’s leading provider of employee benefits education, resources and networking opportunities The New England Employee Benefits Council (NEEBC) is the definitive leader in advancing knowledge and facilitating networking for employee benefit practitioners, consultants and service providers. NEEBC’s 1,250 members manage benefits for an estimated 2.5 million employees nationally. Member companies span multiple industries and range from small businesses to organizations with 50,000+ employees. NEEBC's programs help members stay current and compliant with changing regulations; optimize employee benefits programs to attract talent and improve health and wellness; and collaborate with other professionals. More than 2,000 individuals and 100 speakers participate in over 30 cutting-edge employee benefits programs annually. WHAT CAN NEEBC DO FOR YOU? Provide resources for you to become a successful expert and thought leader in your field Improve your company’s bottom line, policies and practices Share best practices and emerging trends in healthcare, technology, business, retirement, employee engagement and wellness Keep you abreast of laws, regulations and compliance issues Enhance your company’s ability to meet fiduciary responsibilities Empower more informed decision making to solve workplace issues quickly and accurately Offer opportunities for networking, professional development, mentoring, and collaborating with peers Get inspired – connect, learn, advance, succeed!

HUB International, a national insurance consultant, operates an office in Manchester, New Hampshire, catering to clients throughout New Hampshire, Massachusetts, and New York. While some customers have expressed lower satisfaction, it presents an opportunity to scrutinize their services when evaluating potential partners. Notably, this office has successfully collaborated with Worldwide Tech Services, a prominent employer in the computer systems design and related services industry. They worked closely with the HR and finance team to establish a customized self-funding arrangement, HMO plan, PBM, and drug plan tailored to the unique needs of their 1080 employees. In addition to their work with Worldwide Tech Services, HUB International's Manchester office serves esteemed employer clients like Cantor Fitzgerald, Elliot Health System, Henry Heywood Memorial Hospital, and Microdesk. The office has garnered extensive experience in the local market, making them one of the top brokerages in the Manchester, NH area. With a wide range of expertise across different client sizes, industries, and products, HUB International boasts one of the highest M Scores attainable. HUB International excels in various sectors, including health care and social assistance, computer systems design and related services, and offices of real estate agents and brokers. Their strong experience in working with self-funded employers, expertise in HMOs and customized client solutions, as well as their proficiency with PBMs and specialized pharmacy providers, further demonstrate their capabilities in delivering tailored insurance solutions. As you assess potential partners, HUB International's extensive experience, industry expertise, and commitment to meeting unique client needs make them a compelling choice for insurance brokerage services in the New Hampshire, Massachusetts, and New York markets.