Corporate Benefits - Group Health, Executive Coverage & More
A&C Management Group designs, negotiates, and manages comprehensive corporate benefits packages for businesses of all sizes. We bring 30 years of C-level carrier relationships and comprehensive multi-factor market analysis to every engagement, ensuring you get the best available coverage at the best available price.
Group Health Insurance
HMO, PPO, EPO, level-funded, self-funded, and ICHRA (Individual Coverage HRA) options. We evaluate every major carrier in your market and negotiate plan design and pricing on your behalf.
ICHRA - Individual Coverage HRA
An ICHRA allows employers to reimburse employees for individual health insurance premiums and qualified medical expenses on a tax-free basis. This gives employees the flexibility to choose their own coverage while giving employers predictable, capped costs. A&C partners with Thatch for ICHRA administration.
Dental & Vision
Group dental and vision coverage negotiated alongside your health plan for maximum leverage and administrative simplicity.
Life Insurance
Group term life, voluntary life, and AD&D coverage. We also advise on executive life insurance structures including split-dollar arrangements.
Disability Insurance
Short-term and long-term disability coverage to protect your employees' income and your business continuity.
Key Man Insurance
Protects your business against the financial impact of losing a key employee or owner. We structure the coverage to match your actual exposure and business valuation.
Buy-Sell Funding
Life and disability insurance structures that fund buy-sell agreements between business partners, ensuring ownership transitions happen on your terms.
Long-Term Care
Executive and group long-term care coverage, including hybrid life/LTC products with living benefits.
States We Serve for Corporate Benefits
A&C Management holds direct insurance licenses in New York, Connecticut, Colorado, Florida, Georgia, Massachusetts, Maryland, New Jersey, New Mexico, Pennsylvania, South Carolina, Tennessee, Virginia, and Vermont. For businesses with employees in other states, we coordinate coverage through our carrier and PEO partner networks.
Frequently Asked Questions
- How does A&C negotiate better rates than going direct to a carrier?
- We bring volume across our entire book of business to every carrier conversation. That leverage, combined with 30 years of C-level relationships at the major carriers, lets us negotiate pricing, plan design, and service terms that a single employer rarely achieves on their own.
- What happens at renewal time?
- We conduct a full MLR (Medical Loss Ratio) analysis before renewal, challenge any unjustified rate increases, and re-market your case to competing carriers if the incumbent's renewal isn't competitive.
- Do you handle billing issues and claims support?
- Yes. Ongoing service is built into what we do: billing reconciliation, carrier escalations, claims advocacy, and employee questions are all handled by our team. You don't get handed off to a call center after the sale.