When we meet with small and middle market companies they tell us that they frustrated with rising health insurance premiums, their employees are dissatisfied because of higher and higher deductibles, co-pays and out of pocket expenses but the insurance industry doesn’t offer them any new choices. Even more interesting is that very few of these companies have a plan for changing this situation and wait for their advisor to deliver their renewal and hope that things improve. Advantage Benefit Solutions works with companies like this and develops a 3 year plan designed to break them from this “Plan Trap”. It is possible to have high employee satisfaction through employee engagement and education. There are two sides to every coin, price on one side and value on the other. Our process is designed to utilize tools and maximize their value through employee engagement and education. Our process is the third side of the coin, the edge, or value creator.

The Baldwin Group's Houston, Texas office is part of The Baldwin Group. Its employer clients span construction, manufacturing, professional business services, healthcare and social services, and utilities, and range from small and mid-sized employers to large ones. The office places both self-funded and fully insured arrangements, with medical coverage structured through PPO and HMO plans, along with prescription drug benefits, ancillary lines, retirement plans and mega wrap programs. Clients including Acme Architectural Hardware, Inc. and Lee Lewis Construction, Inc. are well rated by their employees for benefits. Example carriers include UnitedHealthcare, BCBS of Texas and Aetna.

The AssuredPartners office in Houston, Texas is part of the AssuredPartners brokerage network. Its employer clients span professional business services, wholesale trade, manufacturing, construction, and healthcare and social services, and the office works with small, mid-sized and large employers alike. Its program experience centers on self-funded arrangements, medical and prescription drug coverage, ancillary lines and retirement plans, and extends to mega wrap and collectively bargained arrangements. The office also serves clients whose employees rate their benefits highly, among them GR Birdwell Construction, LP and Presbyterian School. Example carriers placed by the office include BCBS of TX, UnitedHealthcare and Cigna.

The Houston, Texas office of Brown & Brown serves employer clients across manufacturing, professional business services, healthcare and social services, retail services, and mining, quarrying and oil and gas extraction. Its book spans small, mid-sized and large employers. The office places self-funded arrangements alongside medical coverage structured as PPO and HMO plans, prescription drug benefits, and ancillary lines, and it also works with retirement plans. Its experience extends to mega wrap arrangements and MEWA structures. Employer clients including M & M Coastal Manufacturing and Abaco Drilling Technologies LLC are well rated by their employees for benefits. Example carriers placed by the office include UnitedHealthcare, Cigna and BCBS of TX.

CU Financial Group, LLC's Houston, TX office operates from League City, Texas, as part of CU Financial Group. Its work centers on employers in financial activities, primarily mid-sized organizations. The office places fully insured medical coverage along with ancillary lines and retirement plans, and its employer clients include workplaces where employees rate their benefits highly. CIGNA is one example of the carriers it works with.

Gallagher's Houston, Texas office operates as part of the Gallagher brokerage network, serving employer clients across manufacturing, professional business services, financial activities, healthcare and social services, and mining, quarrying and oil and gas extraction. The office works with small, mid-sized and large employers alike. Its placement work spans self-funded arrangements and medical coverage, including PPO and HMO plans, along with prescription drug benefits, ancillary lines and retirement plans. The office also handles mega wrap and collectively bargained arrangements. Clients including Techline, Inc. and Fivepoint Credit Union are well rated by their employees for benefits. Example carriers placed through the office include CIGNA, UnitedHealthcare and BCBS of Texas.

The Houston, Texas office of Hub International serves employer clients in the professional business services sector, working primarily with mid-sized employers. It places both self-funded and fully insured medical coverage, including PPO and HMO arrangements, along with prescription drug benefits, ancillary lines, retirement plans and mega wrap programs. Clients including Mike Calvert Toyota, Inc. and Alliantgroup LP are well rated by their employees for benefits. Example carriers used by the office include BCBS of IL, MT, NM, OK, TX, BCBS of TX and BCBS of LA.

The Houston, Texas office of Marsh McLennan Agency operates as part of the broader Marsh McLennan Agency organization. Its employer clients span manufacturing, professional business services, construction, healthcare and social services, and retail services, and the office works with small, mid-sized and large employers alike. The office places self-funded arrangements alongside medical coverage structured as PPO and HMO plans, prescription drug benefits, ancillary lines and retirement plans. Its work also extends to mega wrap arrangements and collectively bargained plans. Employer clients including Deluxe Auto Carriers Inc and Doyon Drilling Inc are well rated by their employees for benefits. Example carriers placed through the office include CIGNA, UnitedHealthcare and Elevance, among others.

HRO Benefit Advisors' Houston, Texas office is part of the broader HRO Benefit Advisors firm. Its work centers on construction, healthcare and social services, and professional business services employers, primarily mid-sized organizations. The office places fully insured medical coverage along with ancillary lines, retirement plans and mega wrap arrangements. Employer clients including K Post Company and Strata Information Group, Inc. are well rated by their employees for benefits. Example carriers include BCBS of TX, Aetna and Cigna.

The Houston, Texas office of Alliant Insurance Services works with employer clients across professional business services, manufacturing, healthcare and social services, financial activities and retail services, spanning small, mid-sized and large employers. Its placement work covers self-funded arrangements alongside medical plans structured as PPOs and HMOs, prescription drug coverage, ancillary lines and retirement plans. The office also has experience with mega wrap arrangements, collectively bargained plans and MEWA structures. Employer clients including Alpine SG LLC and Centerview Partners LLC are well rated by their employees for benefits. Example carriers placed through the office include BCBS of IL, MT, NM, OK, TX, Cigna and UnitedHealthcare.

Employee Benefit Solutions - Houston, TX is the Houston, Texas office of Employee Benefit Solutions. Its work centers on manufacturing and professional business services employers, and it serves mid-sized and large organizations. The office places both self-funded and fully insured arrangements, covering medical and ancillary lines, along with retirement plans and collectively bargained benefits. Example carriers include Aetna, UnitedHealthcare and Kaiser Permanente.