The Everchanging Healthcare Landscape
Healthcare benefits programs are not one size fits all and are changing all the time. We understand your unique needs and will work with you to tailor a plan design that meets your needs. We represent dozens of insurance carriers offering medical, dental, vision, short term and long term disability, life as well as voluntary benefits programs. We will analyze your current benefits program and identify cost containment opportunities, administrative efficiencies, and ways to enhance benefits.
Rx Cost Reduction Programs
We offer several Rx cost reduction solutions that can bring significant discounts directly to you and your employees.
Claims Advocacy and HR Support
Our customer support specialists are available to assist you and your employees with claim issues and questions.
Professional Employee Organizations will manage and administer employee needs while freeing up your time to oversee day-to-day operations and reduce HR responsibilities.
Expert Compliance Resources
Our corporate compliance and legal teams provide resources for complex questions and will keep you informed of the ever-changing benefits and HR landscapes.
Inhouse TPA Services
Seamless service and support for all your benefit needs while utilizing our inhouse third party administration division for expert compliance, claim reimbursement and welfare plan management.
Pooled association and trust programs provide small employers the purchasing power of a large group while also enhancing the benefit maximums, underwriting and guaranteed issue features typically not available to small employers.
Open Enrollment Portal and HR Systems
Flexible open enrollment and employee communication options including online experiences and integrations with major benefits and payroll providers.
Retiree medical reimbursement trust programs that are designed to help you mitigate unfunded OPEB liabilities.
Individual Coverage HRA (ICHRA)
We provide an integrated online enrollment and support tool that helps your eligible employees find quality, affordable health insurance.
Our Employee Benefits Team
Burnham & Flower Insurance Group
Toll Free: 800.748.0554
315 South Kalamazoo Mall
Kalamazoo, MI 49007