Business Insurance

Employee Health and Benefits

Human Resource Support

Employer Resources

Keeping health plans sustainable.

Fortunately, it’s what we do every day.

We’ve made a science out of analyzing health plan risks. We dive in to the chronic conditions affecting your employees and we obsess over identifying ways to control claims costs and promote healthy lifestyles that minimize potential future health catastrophes. Then we put ideas to work, that include short and long term goals. We employ a three to five year strategy that demonstrates the difference we’re making – not only for the health of your employees, but also for the health of your bottom line.
What makes us so successful? We don’t just sell insurance – we become an extension of your Human Resources team. We consider culture, risks, and benefit plan design to understand the root of your costs. Then we implement strategies to improve employee health, costs, and value so your health plan is understood for what it is: a benefit. 


As health care costs continue to rise and regulation continues to alter the landscape, managing health benefits won’t get any easier. Let us help.

Human Resource Support

Trends, news, compliance, and employee communication are complicated and never ending. MMA Insurance keeps up with all of it. 

We develop customized communications, provide open enrollments, and administer employer and employee education on benefits, compliance, and the Affordable Care Act. We harness the best technology to make it a seamless process. So we’ll do the heavy lifting. You focus on running your business.

Vendor Management

The unique needs of our clients are always the first priority when looking for carrier options. These needs are based on many factors including location, budget, and customer service. Carriers, coverages, and networks vary greatly and it is our job to sort out those details to find appropriate options. Our position in the marketplace, carrier relationships, and our depth of knowledge in the industry give us an advantage over other agencies in the areas we serve.
  • Professional, trusted, and ethical vendor relationships.
  • MMA maintains a large volume of business with vendors, supporting best pricing and products.
  • MMA Insurance has a highly comprehensive request for proposal system.
  • Once quotes are received from companies, our team evaluates and shares the results of the RFP with the client, and recommends the best option.
  • Performance guarantees.
  • Extended ancillary rate guarantees.
  • Annual vendor summits.

Wellness

Prevention of developing a chronic condition. Prevention of catastrophic health events when faced with chronic conditions. Prevention of disability payments. Of loss of productivity due to absenteeism. The best way to reduce health costs is to keep employees healthy, happy, and at work.

Evaluating healthcare value means looking beyond cost. Employee health is human capital and a manageable asset. Worker productivity is the measure of success. Health is a measure of productivity.

Keeping your employees healthy isn’t just the right thing to do for your people, it’s the right thing to do for your business. So how do we do it? It involves strategic planning, discovery, technology, culture evaluation, defined goals. But more than all that, it involves the right partner to help lead the way.

Employer Resources

Your health plan should work for you. Not the other way around.

As an extension of your Human Resources team, Marsh McLennan works with you to deliver our promise of value. From the basics, like customized communications and online enrollment, all the way to the complex, including regulatory updates and employee education and seminars, we can comprehensively manage every aspect of your health plan.
So relax, we got this. 

What are the hidden (and not-so-hidden costs) of the hours spent researching the ever-changing regulations of your health plan? What would you do with your time if you didn’t have to constantly run down answers to employees’ routine questions about coverage? We have solutions to all these time killers along with tools that reduce your costs, increase productivity and improve employee satisfaction.

Marsh McLennan Agency has developed solutions to all these time killers along with tools that reduce your costs, increase productivity and improve employee satisfaction. Some of these tools include:

  • Risk Control Resources - Training videos, webinars, events and other educational tools for a variety of industries with a focus on minimizing risk and promoting employee safety.
  • Data-Analysis Tools - An underutilized health plan doesn’t always equate to a healthy workforce. What benefits are your employees using and what aren’t they using? What’s bringing true value to your employees and their health? We’ll dive in and figure out how we can negotiate a plan that can improve health and savings all at the same time.
  • Self-Insurance Opportunity Analysis - As self-insured specialists, we will continually evaluate opportunities for your company to self-insure and help you determine whether it’s the right solution for your organization.
  • Third-Party Administrator (TPA) Service Comparisons - We evaluate carriers and administrators based on more than 60 criteria, ranging from administration process to reporting capabilities. We know what they do and how they do it, and we’ll make sure we get you partnered with the right one for the right price, because we work for you, not for them.
  • Health Management Programs - What good is a health plan if employees aren’t using it to get healthy? We’ll implement Health Management Programs to help increase productivity, reduce absenteeism and engage your workforce. We can do this through a variety of means, including Health Risk Assessments and claims analysis.
  • Human Resource Information Systems - To help employers comply with HIPAA regulations and secure employee data, we have aligned ourselves with the most sophisticated and effective HRIS systems in the industry. This can streamline the HR function, payroll and hiring practices for employers, as well as provide online enrollment tools.
  • Benefit Benchmark Surveys - How does your plan stack up to other employers’ plans? Do you even know? MMA can compare a client’s benefits to other businesses of similar demographic or industry to be sure you stay competitive.
  • Customized Communications - Employee communication programs ensure that the money you are spending on your benefit program is well used and appreciated. From benefit plan reminders to education on how to submit a claim, find a provider or use their HSA account, you’ll find that your employees appropriately use and appreciate their benefits the more they understand them.
  • ERISA Compliance - Marsh McLennan Agency can assist you with ERISA compliance questions in several ways. We have access to a library of easy-to-read, comprehensive documents and forms. We have access to legal counsel to help with questions and concerns that you may have in this area.
  • Disease Management - Disease Management Programs utilize registered nurses to coordinate the clinical care needs and program participation of members. In other words, these nurses educate and influence employees with chronic conditions to get the care they need when they need it, so they stay as healthy as possible and don’t end up with a catastrophic health event.
  • Marketing Analysis - On behalf of our clients, we send detailed, comprehensive, professional requests for proposals to all appropriate carriers in each area we do business. We then analyze each of those proposals so that you receive the best possible option in the market.
  • Benefit Value - What good is a benefit if employees don’t see…well… the benefit? We'll provide customized surveys that uncover hidden needs and areas of interest when it comes to a health plan. Once a plan is developed we create benefit overviews that explain benefits and highlight the employer’s cost for each, so employees see your financial commitment to their health and well being. We’ll also perform demographic studies to make sure your plan maintains a standard of affordability and attractiveness over the course of its lifetime based on your particular employee demographics.
  • Enrollment Assistance - We provide onsite enrollment meetings for every plan provided, including detailed employee communication materials.
  • Service Agreement - A service agreement outlines and prioritizes the expectations of each client relative to our performance. We want to deliver on our promise to you. A service agreement makes sure we’re held to that standard.
  • Service Timeline - We have a system in place to address the installation of policies and the timeline that will be followed.

Tell us what you need. We’ll take it from there.

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