Medical
CFA specializes in assisting employers with 1-500 employees. We’re appointed with dozens of local and national carriers and Association Health Plans and will work with you to find the best fit.
Dental
Group dental insurance often has better rates and less restrictions compared to individual coverage. Bundling discounts are often available when purchased alongside other lines of coverage.
Vision
Group vision insurance is inexpensive and provide a benefit for your employees for eye exams and hardware. Coverage is available for groups with 2+ employees.
Life & Disability
Life and disability insurance might be the second most important benefit you can provide your employees. This coverage is affordable and provides additional income when people need it the most.
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 business health insurance 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 compliance and more.
Voluntary Plans
We can help you find business health insurance plans that are employee-paid.
FSAs
Flexible Spending Accounts are a great way to help employees save tax dollars while paying for qualified medical expenses.
HRAs
Health Reimbursement Accounts can be implemented to work in conjunction with a company’s medical plan.
HSAs
We can install a Health Savings Account-qualified medical plan to help employees save tax dollars while paying for qualified medical expenses.
Benefits Administration
Rules and regulations in this area can be daunting. We provide expert assistance that can help reduce a company’s HR workload.
Expert benefits advice you can trust.