3201 1st Ave S, #108
Seattle, WA 98134
206-923-7300
info@cummingsfraser.com

Home

Business Health Insurance

Your Benefits Partner

We provide the technology, expertise,
and personal service to create a streamlined
benefits department for your organization.

Our Services
Contact Us
Group Health Insurance

Plan Designs

We analyze your existing benefits program
and work with you to design a program
based on your specific goals.

Our Services
Contact Us
Group Life Insurance

A Step Ahead

Proactively informing you of changes
affecting your benefits plan.

Our Services
Contact Us
Small Business Health Insurance

Employee Communication

Helping employees understand the value
of the benefits you provide.

Our Services
Contact Us
Group Health Insurance

Employee Advocacy

We answer employee questions and advocate to the insurance companies on their behalf.

Business health insurance

Online Tools

We reduce your workload by providing an onboarding and employee enrollment platform, as well as tools and guidance for HR.

Health Insurance Compliance

Compliance

We assist employers in meeting federal compliance requirements relating to employee benefit programs, ERISA (Employment Retirement Income Security Act), and ACA (Affordable Care Act).

Group Health Benefits

Plan Management

We provide creative strategies to maximize your return on investment

About Us

Cummings, Fraser & Associates has over 35 years experience providing the best group health insurance & welfare benefits at the lowest possible cost and helping employees understand and appreciate the valuable benefits their employers provide them.

First, we’ll help you assess your benefit needs and goals. Then we’ll bid the market for you, keeping you up to date with industry changes and providing an array of customized benefit options that best fit your company’s size and needs.

Frequently Asked Questions

What carriers do you work with?

We work with all the insurance carriers and Association Health Plans who are licensed in the state of Washington and who use the broker distribution channel. We are also licensed to work with carriers nationwide. We are carrier agnostic and choose the best carriers and plans to meet our clients’ needs and goals.

How are you compensated?

Carrier direct commission payments or a consulting fee.

Would I have a dedicated Account Manager?

Absolutely! Your benefits consultant works in tandem with your dedicated Account Manager.

What processes or methods do you use to control healthcare costs?

We use different funding mechanisms, HRA’s, carrier tools, and technology

What sets us apart?

Experienced

We have over 35 years experience providing group health insurance benefit plans.

Knowledgeable

Our staff pursues continuing education at every opportunity.

Creative

We identify innovative ways to manage benefit costs.

Here’s what some of our clients have said.

Testimonial 7

I just had a compliance review with our Payroll Processing Company. They wanted to reach out to ensure all the legal notices required around Benefits were going out to ensure our business is protected and he was surprised as he went down the list: CHIP, Medicare part D, Creditable Coverage Notices, Women's Health and Cancer Rights Act compliance, they told us we had everything we needed. He said out of the 400 people he has called, maybe only 10 of them had everything in order. He said "we must have a great Benefits broker", and I assured him we do indeed. Evan Smith - Countryside Montessori

Testimonial 6

Trying to navigate the world of insurance frequently leaves me confused and anxious, but Michael patiently guides me through it all, allowing our agency to feel secure that we are providing for the insurance needs of our employees. It is not an exaggeration to say I’d be lost without his help and he never makes me feel silly for asking what are, probably to him, questions with obvious answers. Bill Bair Administrator - Pacific Treatment Alternatives

Testimonial 5

We have been using Cummings, Fraser & Associates as our insurance brokerage firm for almost ten years. They have always been very thorough in researching the market for the right plans that fit within our budget. We would highly recommend Jane Fraser and her excellent staff to handle your insurance benefit program. Ralph J. Brindley Managing Partner - Luvera Law Firm

Testimonial 4

It is my pleasure to recommend the services of Cummings, Fraser and Associates. They worked closely with us to design plans that meet our particular needs as a non-profit organization balanced with our need to receive good value at affordable rates. I happily recommend CFA without reservation. Mark B. Buckley Executive Director - Parent Trust for Washington Children

Testimonial 3

It is nice to have the same insurance broker for my Grandfather, my Mother and now for me since 1976. Wow, almost 40 years! And all of it a great job at a high level of quality. Eric Nicolaysen COO - Bardahl Manufacturing Corporation

Testimonial 2

The health insurance renewal letter you prepare for our employees is very beneficial. Then your personal visits to each of our Washington and Oregon locations completes the process nicely. Thank you! Bob Code President - Cascade Columbia

Testimonial 1

Thanks for keeping us up to date on all the new healthcare laws. And thanks for showing us plans we can afford. Ellen Hatton Owner - Hatton Marine

Expert benefits advice you can trust.