Group Insurance

If you are a WA-based company and are interested in exploring your options with regards to group insurance, you've come to the right place!

Cummings, Fraser & Associates specializes in:

RESEARCH – we partner with employers to find the best benefits package available to meet the needs of the employees, while not losing sight of the fact that the business must be mindful of its budget. We provide all current and prospective clients with an exhaustive analysis of available plan benefits and designs, presenting the best matches in easy-to-understand spreadsheet formats.
There's a lot of information out there – we help find and explain it!
COMMUNICATION – once we have put together a top-of-the-line benefits package, we assist in communicating these very important benefits to employees, via employee letters and in-person meetings.
SERVICE – our job is ongoing throughout the year – it does not start and stop at your annual open enrollment! We will assist with claims, enrollments/terminations, billing issues, COBRA…

Information and links about group insurance:

Medical

We can help you find benefit plans that are employee-paid.

Flexible Spending Accounts are a great way to help employees save tax dollars while paying for qualified medical expenses.

Healthcare Reimbursement Accounts can be implemented to work in conjunction with a company's medical plan.

We can install a Healthcare Savings Account-qualified medical plan to help employees save tax dollars while paying for qualified medical expenses.

Rules and regulations in this area can be daunting. We can provide expert assistance and reduce a company's HR workload.