Broker Check

BGA Employee Benefits Advisors

Group Medical

Fully Insured Plans

Partially Self-Funded Plans

Shared Savings Plans

Consumer Driven Plans

Health Savings Accounts (HSA) 

Flexible Spending Accounts (FSA)

Health Reimbursement Arrangements (HRA)

Ancillary & Voluntary Plans


Short Term Disability

Long Term Disability



Critical Illness


Hospital Indemnity

BGA Employee Benefits Advisors Areas of Service

Plan Benefit Analysis

  • Strategic plan design / funding analysis
  • Identification of client’s benefits strategy
  • Short and long term risk management strategy
  • Plan design, costs and contribution impacts

Plan Renewal Analysis

  • Proactive renewal negotiations
  • Obtain competitive quotes
  • Analyze quotes and prepare reports
  • Meet with client to discuss options
  • Coordinate implementation and administration

Financial Monitoring

  • Claims monitoring & analysis
  • Claims utilization analysis
  • Funding analysis
  • Employee contribution strategies/impact

Client & Participant Support

  • Employee benefit education
  • Benefit plan marketing
  • Billing issue resolutions
  • Employee benefit fair support
  • Customized employee election forms
  • Employee advocacy service
  • Web-based HR/benefit resources
  • Employer education seminars
  • Legislative (State/Federal) compliance support
  • Monthly newsletters
  • Wellness program support

BGA Employee Benefits Advisors Operational Excellence

The BGA Difference…Our Consultative Approach

Listen first to develop an understanding of your unique benefits philosophy and challenges

Leverage our considerable relationships with carriers and our experience with all size of clients

Present innovative technological capabilities tailored to your unique needs

Provide dedicated account management support

Services and Accountability

Data collection & analysis

  • Historical and current contracts, filings, claims, etc.


  • Demographic, health plan cost and coverage analysis
  • Dental, life and disability cost and coverage analysis
  • Voluntary benefits cost and coverage analysis

Implementation & service

  • Setting implementation schedule
  • Annual client service plan
  • Project management
  • Employee communication strategy
  • Employee education meetings

Operational meetings

  • Your team and the BGA team
  • Monthly, quarterly, pre-renewal
  • Task list
  • Post implementation debrief

Day-to-day support

  • Vendor management
  • Communications
  • Compliance
  • Benefits technology

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