Broker Check

Health Insurance Benefits

A strong benefits program is essential for attracting new employees and retaining existing ones with more than 80% of employees saying that health insurance is the most important benefit an employer can provide.

Bristol Financial Services has over 30 years of combined experience in the health insurance arena, providing solutions for small businesses (less than 50 employees), large businesses (50+ employees) and individual clients. We work with the major carriers in the State of Vermont, including, Cigna, MVP and Blue Cross/Blue Shield, as well as many national companies, and carriers that offer partially self insured programs. These companies offer Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Point of Service (POS) plans and Indemnity Plans. We also have access to many associations that offer health insurance at discounted rates and Third Party Provider’s (TPAs), which can establish and maintain Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs).

Choosing the best program for you or your employees involves balancing the costs and choices of multiple plans. The team at Bristol Financial Services can evaluate the needs of your business, provide cost vs. choice analysis, competitive benefits plan analysis and recommend, implement and administer the plan that is best for you. We provide ongoing support in the areas of employee enrollment and education, negotiating policy renewals, facilitating resolution of billing and benefits questions and evaluating claims/loss ratio and utilization reports.