With the ever changing health insurance industry you need someone who is devoted to following the changes closely. In the course of running the aspects of your business you probably don’t have the time to keep up with these changes. That’s what we do for our clients. We pride ourselves in delivering the absolute best health insurance value to our clients. We provide customer service and help with negotiating your annual renewal. But we don’t stop there. We inform our clients of upcoming changes or events that may have an impact on their current coverage or plan. Best of all, none of these services cost our clients one cent! That’s right, from the first visit to the evaluation of your current plan to our recommendations to implementation of a new plan followed by first class customer service, it’s all free! The insurance companies pay us if you choose to accept one of our recommendations. So you have nothing to lose and a lot of money to save, contact us to schedule a meeting today!

20 Years Experience! Typically savings are 25-45%! We never reduce coverage to achieve savings!

It’s like having a Benefits Manager for your business without having to pay them!

PPO, POS, HMO, HSA, HRA, Fully Funded and Self Funded Plans WE HAVE NATIONAL AND INTERNATIONAL CAPABILITIES for small business, mid size companies, corporations, unions, municipalities, professional groups and organizations!

"Ric should be dipped in Bronze for what he does for his clients."

Dave Bertus, President, 1^st Commonwealth Holding Co. Inc.

"Ric helped us avoid a strike over our health benefits! When the company was offering a 90/10 plan with escalating employee contribution over each year of the proposed contract, he was able to get us a 100% plan with no additional employee contribution and at a savings to the company. Everyone was happy.”

Mel Padezan, Pres. Local 610 United Electrical, Radio & Machine Workers of America