Carrier Relations & Selection

As one of the top 100 agencies in the country, we have the expertise and clout to aggressively negotiate with insurers to identify appropriate rates and product options – evaluating, negotiating with, and recommending carriers and providers to our clients are HF&C’s specialties.  We actively cultivate long-standing relationships with major carriers, and those relationships and our market clout allow us to negotiate aggressively and obtain cost efficient proposals for our clients.

We represent all major carriers.

 Compliance Requirements:

With Health Care Reform, there are countless rules and regulations governing employee benefit plans.  Our expert team will help ensure that you are meeting your compliance obligations.  We stay up to date, and will inform you of any laws or regulations that may affect your employee benefit program.  Our compliance consulting services include easy to read “Legislative Briefs” that summarize recent federal legislative developments in insurance and employee benefits.  These will provide answers to common ERISA, COBRA, FLMA, HIPPA, HIPPA Privacy, Medicare D, Section 125 and Healthcare Reform questions.  Monthly we also provide an electronic employee benefit newsletter.