There are two types of employers: those that know they are paying too much for health insurance and those in denial. There is only one thing standing in the way of this becoming a reality - unwillingness to explore alternative strategies. Two decades of managed care has sheltered employers and the their members from the truth. A lack of transparency and access to the cost and quality of healthcare has contributed to the problem. Simply put, employers have been lead to believe their insurers are negotiating the best prices. We can assure you that network 'discounts' are nothing more than a charade. In fact, employer sponsored health plans are a guarantee your company is paying 50% to 75% too much for prescriptions. Where does that money go? Right back to your Pharmacy Benefit Manager who is owned or owns your insurance carrier. This is unreported income for your insurer and it can be eliminated. This isn't a surprise to most but the extent of the problem is and until now, there was no ability for most employers to see the data. We changed that too. BritePath is our benefit strategy and our name. We help employers and their members forever change the trajectory of the cost and quality of their benefits. Ask yourself this question; Do we have a health insurance problem today? Let's assume for a second you say 'No'. Ok, five years from now the cost of your insurance increases 50% and the quality of your benefits deteriorates. Do you have a problem then? What has that done to your bottom line? What has that done to your ability to attract and retain the best talent? Don't wait five years to find out. Contact BritePath today and get a second opinion that with provide Insights, Analytics, Engagement and Elevate your plan and your people.

Haylor, Freyer & Coon, an Alera Group Company, is a full-service insurance agency, providing Insurance, Risk Management, Surety, & Benefit Consulting to businesses and individuals Nationwide. Our 94 years of industry expertise and entrepreneurial spirit make us a dynamic partner for growing organizations. We’ve been part of the CNY community since 1928 and our commitment to our employees, clients and our community will only be strengthen as we’ve become part of the Alera Group network of outstanding Agencies. Powered by over 3,500 employees with worldwide expertise and resources. -------------------------------------------------------------------------------- Learn more about us at www.haylor.com

Smola Consulting LLC is a highly regarded insurance broker specializing in serving large and midsize employers. With a local office in Rochester, New York, this brokerage firm has built a solid reputation for providing exceptional customer service and expertise to its clients. They have garnered positive reviews from satisfied clients who value their professionalism and industry knowledge. One notable example of Smola Consulting LLC's work is their collaboration with Abvi-Goodwill Industries of Greater Rochester Inc, a prominent employer in the vocational rehabilitation services industry with 550 members. Smola Consulting LLC partnered with their HR and finance team to develop a tailored pharmacy benefit management (PBM) and drug plan that catered to the unique needs of their members. This demonstrated their ability to understand and address the specific requirements of different industries. Smola Consulting LLC boasts extensive experience and expertise in various sectors, including home health care services, architectural and engineering services, and vocational rehabilitation services. Their clients span across Ohio, and notable employers they serve include Lidestri Foods Inc, Mary Cariola Children's Center Inc, and Visiting Nurse Service of Rochester and Monroe County Inc. The success and credibility of Smola Consulting LLC are reflected in their impressive M Score, which highlights their wide-ranging industry knowledge and proficiency in catering to diverse clients of varying sizes. Whether it's providing comprehensive insurance solutions or offering guidance on PBMs and specific pharmacy providers, Smola Consulting LLC is committed to delivering exceptional results for their clients in Ohio and beyond.

BSB Consultants, Inc. is a distinguished employee benefits broker located in New York, NY, renowned for its tailored approach to crafting comprehensive benefits packages. With a focus on meeting the unique needs of each client, BSB Consultants leverages its expertise to provide innovative solutions that ensure both employee satisfaction and organizational growth. Their portfolio showcases a successful partnership with notable clients such as HADCO METAL TRADING CO LLC, highlighting their capability to service diverse industries with precision and care. Dedicated to fostering long-term relationships, the team at BSB Consultants prides itself on exceptional customer service, guided by integrity and a commitment to excellence. Whether you're looking to enhance your current benefits offering or seeking strategic guidance on new solutions, BSB Consultants, Inc. stands ready to assist with your every need. Visit their website at bsbconsultants.com to discover how they can support your organization in achieving its employee benefits objectives.

FNA is a full service general agent and employee benefit consultant, currently providing a network of over 5,000 retail agents and brokers with comprehensive employer group insurance consulting, compliance, and billing/administrative services through their five affiliate divisions. Founded in 1974, FNA has 40 years of experience in assisting the Northeast broker community in analyzing their clients’ employee benefit needs and working with carriers to obtain the optimal health and specialty benefits plans available in the marketplace.

NFP is a leading insurance broker and consultant providing specialized property and casualty, corporate benefits, retirement, and individual solutions through its licensed subsidiaries and affiliates. NFP enables client success through the expertise of over 7,400 global employees, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors, and financial institutions. NFP is the 5th largest benefits broker by global revenue, 5th best place to work in insurance and 6th largest US-based privately owned broker (Business Insurance); 9th commercial lines agency by P&C commercial lines revenue and 10th largest property and casualty agency (Insurance Journal); and 12th largest global insurance broker (Best’s Review).

HUB International is a nationally recognized insurance broker serving clients in various industries, with a strong focus on midsize employers. With their office located in Liverpool, New York, HUB International has established itself as a trusted partner for businesses seeking comprehensive insurance solutions. A notable success story from this office involves their collaboration with Associated Medical Professionals of Ny, Pllc, a prominent employer in the offices of physicians industry. HUB International worked closely with the HR and finance team of this 180-member organization to devise a tailored pharmacy benefit management (PBM) and drug plan that catered to the unique needs of their members. Leveraging their expertise in the offices of physicians sector, HUB International's Liverpool office offers unparalleled service to clients not only in New York but also across Georgia, Florida, and South Carolina. The office proudly serves a diverse range of employer clients, including the esteemed Associated Medical Professionals of Ny, Pllc. With their deep industry knowledge and commitment to delivering personalized insurance solutions, HUB International stands out as a reliable partner for midsize employers seeking comprehensive coverage options tailored to their specific requirements.

Bouchey & Clarke Benefits is now a One Digital Company! Our talented staff continues to provide full service brokerage, consulting & benefits administration, offering your company and your employees value-added services and products to save you, your company, and your employees time and money. We specialize in customer service. With our relentless, fresh-thinking and creative strategies, our focus is on you and your employees satisfaction and value. Our goals are simple: 1. Save you and your employees significant time and money 2. Improve product offerings with unbiased research 3. Offer additional cost savings through total review of all plans 4. Enhance employee attitudes by offering proper product mix 5. Ensure our Clients' daily service & satisfaction Through our partnership with One Digital, we all strive to enhance our clients' employee benefits by offering the widest selection of plans available in today’s complex insurance arena. 1. Tax savings for employers and employees 2. Increased employer cost control 3. Increased employee benefit choices 4. Benefits which attract and retain employees 5. Increased employee morale For more information, please call Matt Clarke, Principal, at 518.720.8888 or visit www.onedigital.com/team/troy-ny/ Main Office: 1819 Fifth Avenue P.O. Box 1616 Historic Downtown Troy Troy, NY 12181 Tel: 518.720.8888

Schulman Insurance Brokerage, located in Rockville Centre, New York, is a trusted local insurance broker serving clients in New York and Texas. With a wide range of clients, including large, midsize, and small employers, Schulman Insurance Brokerage specializes in providing tailored insurance solutions to meet the unique needs of their clients. One notable example of their expertise is their work with Precision Global Consulting Inc, a leading employer in the accounting, tax preparation, bookkeeping, and payroll services industry. Schulman Insurance Brokerage collaborated closely with Precision Global Consulting's HR and finance team to design and implement a comprehensive employee benefits package. This package included a customized PPO plan, a Pharmacy Benefit Manager (PBM) solution, and a prescription drug plan, all tailored specifically to address the needs of Precision Global Consulting's 330 employees. In addition to their work with Precision Global Consulting, Schulman Insurance Brokerage has established partnerships with other esteemed employer clients such as Boston Insurance Employee Benefit Trust - Dfe, Metro Group, and Mid Island Therapy Associates LLC. Their strong expertise extends across various industries, including professional, scientific, and technical services, investment pools and funds, as well as accounting, tax preparation, bookkeeping, and payroll services. As a local insurance broker, Schulman Insurance Brokerage prides itself on providing personalized service and comprehensive insurance solutions to their diverse range of clients. With their knowledge and experience, they are committed to helping employers protect their businesses and support the well-being of their employees through effective and tailored insurance coverage

Genatt V LLC is a local insurance broker based in New Hyde Park, New York, that specializes in providing comprehensive insurance solutions for businesses. With a proven track record of success, they have established themselves as a reliable partner in the insurance industry. One notable example of their expertise lies in their collaboration with Sid Harvey's, a prominent employer in the hardware, plumbing, and heating equipment and supplies merchant wholesalers industry. Genatt V LLC worked closely with Sid Harvey's HR and finance team to design and implement tailored insurance plans. They developed a range of options, including HMO, PPO, PBM, and drug plans, specifically catered to meet the unique needs of Sid Harvey's 540 members. This successful partnership exemplifies Genatt V LLC's ability to work with self-funded employers and their deep experience in collaborating with clients and PPOs to address the diverse requirements of their members. Genatt V LLC boasts an extensive client portfolio, servicing employers of various sizes, ranging from large corporations to midsize and small businesses. Notable clients of their New Hyde Park office include Steve Madden Office, Ultimate Care Assisted Living Management, LLC., and Weitz & Luxenberg NYC, among others. Operating across the state of New York, Genatt V LLC has developed a strong reputation within the industry, underscored by their impressive M Score, which reflects their broad experience and expertise across different client sizes and industries. While Genatt V LLC has garnered positive recognition for their expertise in healthcare and social assistance, legal services, and insurance carriers industries, it is worth noting that they have received some lower reviews from customers. This aspect may warrant further investigation as you evaluate potential partners. Nonetheless, Genatt V LLC's commitment to delivering tailored insurance solutions and their extensive experience across diverse sectors make them a valuable choice for businesses seeking reliable insurance brokerage services in the New Hyde Park area and beyond.