Insurance Solutions

Employee Benefits

In a world of rapid change and increasing complexity, you need a creative partner who does more than just find and place coverage. We take a holistic approach to employee benefits and can help you maintain compliance and develop a long-term plan for the benefits you offer.

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What We Do

Be ahead of the game with your employee benefits package

Your team is the most crucial asset in your ability to thrive as an organization. Offering employee benefits that go above and beyond salaries and wages is one of the most important ways you can demonstrate your investment in the well-being and peace of mind of your employees. The endless number of options for what to include in your benefits offering can be overwhelming, and the compliance landscape and healthcare industry are in constant flux. You need a broker partner who is skilled at navigating changes and adapting quickly, to stay ahead of the game.

We know your employee benefits offering is a powerful tool in attracting and retaining talented employees. We approach employee benefits program development collaboratively, by evaluating your unique needs and goals, and recommend options that can help you achieve them. We pay close attention to trends, opportunities, and compliance requirements that may affect our clients, and are your advocates with insurance carriers, healthcare providers, and legislators , to ensure your success in all of these areas.

How Moreton & Company Can Help

Supporting the health and wellness of your employees

Moreton & Company is a full-service broker, with dedicated account management specialists, underwriting and actuarial services, wellness team, and online enrollment solutions, who provide our clients the personal touch of a local team, with the resources of a large-scale agency.

We are with you every step of the way, from working with insurance carriers, supporting enrollment, and identifying opportunities to maximize your return. We are nimble and creative, and we consistently explore new ways to contain costs, enhance employee experience, and help you stand out in the job market as an employer who invests in your team.

Your questions answered

Employee Benefits FAQs

Here are some commonly asked employee benefits questions from our clients. To learn more, please reach out to us.

What products and services can you broker for employee benefits?

We can assist in finding solutions for all types of employee benefit programs, including (but not limited to):

  • Medical
  • Dental
  • Vision
  • Life and Accidental Death & Dismemberment
  • Short- & Long-Term Disability
  • Health Savings Accounts
  • Health Reimbursement Accounts
  • Cafeteria Plans (Flexible Spending Accounts/Dependent Care Assistance Plans)
  • Voluntary Worksite Benefits (Accident, Critical Illness, Hospital Indemnity, etc.)
  • Travel Insurance
  • Pet Insurance
  • Pharmacy Benefit Management (PBM) Carve-Outs and Wrap Networks
  • Administrative Services Only (ASO)/Third Party Administration (TPA)
  • Claims Payment Services
  • Stop-Loss/Reinsurance
  • Level-funded and Self-Funded Medical Plans
  • Onsite/Near Site Clinics
  • Healthcare Captive

What plan types do you have expertise in?

With over a century of experience brokering policies for our clients, we have seen the possibilities of employee benefits grow and expand to a nearly unlimited number of plan options. We are committed to understanding your unique needs and goals, and then recommending plan designs and funding options that will help you reach them. You can trust in our expertise to help you navigate the complexity of options.

  • ASO/Self-funding
  • Level-funding
  • Voluntary benefits
  • Pharmacy Benefit Management
  • Stop-loss
  • Fully Insured Plans
  • High Deductible Health Plans or HSA plans
  • Minimum Essential Coverage/Minimum Value plans
  • Retiree Benefits
  • Multi-tiered Benefits
  • Disease Management & Case Management Programs
  • Maternal Health Programs
  • Wellness Programs

What support do you offer for administering employee benefits?

As a full-service broker, we place all types of coverage for our clients and offer additional services that simplify the process of understanding, choosing, and administering your benefit package. We can assist you with marketing your benefits package, advocating for employees, and choosing plans that are the best fit for your employees.

  • IRS Reporting – Form Preparation & E-filing (5500, 1094/1095, etc.)
  • HRIS/Payroll/Online Enrollment Support (Note: fees apply)
  • Wellness Program Support
  • Consulting
  • Dependent Audits
  • Actuarial Services
  • Customized Benefit Communications, including bilingual-translated materials (Please note: Not for groups smaller than 25 employees)
  • Open Enrollment Meeting Support
  • Dedicated Account Management
  • Claims Support and Advocacy

What are some solutions for small groups (under 50 employees)?

Small Group Medical Pools: Retain control over your plan and achieve better cost containment while pooling your risk with other small employers.

Carrier/Provider Direct Contracting: Contract with specific providers or a provider network that is best suited for the healthcare needs of your employees.

Level-funding: Level monthly payments cover the cost of claims, premiums, and fees. This plan design is no longer subject to ACA’s Essential Health Benefit requirements, and allows you to receive money* back when claims payments are less than projected.

* Money may also be represented as a credit against future plan costs.

What are some solutions for mid-size groups (50-99 employees)?

Carrier/Provider Direct Contracting: Mid-size clients have the ability to contract with specific providers or a provider network that is best suited for the healthcare needs of your employees.

Level-Funding: Level monthly payments cover the cost of claims, premiums, and fees. When claims are less than projected, you can receive money* back.

* Money may also be represented as a credit against future plan costs.

What are some solutions for larger groups (100+ employees)?

Salubrious Healthcare Captive Solution: Salubrious offers a solution to improve risk management and reduce the expenses of self-funded plans. You continue to retain control over your plan design, network, and reinsurance stop-loss levels while pooling to share risk and take advantage of other benefits of being part of a group captive.

Level-Funding: This plan design gives you level monthly payments which cover the cost of all claims, premiums, and fees. Additionally, when claims are less than projected, you can receive money* back.

*Money may also be represented as a credit against future plan costs.

Self-Funding/Partial Self-Funding: Full or partial self-funding allows you to reduce and manage your health care costs, while gaining more control and flexibility over plan design.

Carrier/Provider Direct Contracting: We can assist our large clients in contracting with specific providers or a provider network that is best suited for the healthcare needs of their employees.

Large Claims Audits: These audits help you identify issues and areas of opportunity that could potentially save your plan money. Aspects of review include, but are not limited to, claims or administration issues, plan design weaknesses and flaws, and provider billing errors.

Onsite/Near Site Clinics: Establishing an on-site or near-site clinic allows you to provide medical access to your employees at no cost, or a lower up-front cost to them. Negotiated pricing helps save your plan money as well.

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