Besides a competitive salary, employees place a high value on company benefit plans, especially as they get older. The time and expense associated with hiring, training and developing new employees is high and many employers recognize that a competitive Group Employee Benefits Plan is a high priority to develop a loyal and productive workforce.

For employees – Protection for themselves and their families against financial expenses not covered by government programs such as:

• Prescription drugs
• Paramedical treatments (physiotherapy, chiropractic, registered massage, etc.)
• Dental services
• Disability
• Death of the member

For employers – BGM’s approach to “benefit plan management” offers strategic advantages for your business, with meaningful and sustainable insurance solutions. Initially, our involvement can be limited to a confidential audit of your benefit arrangements. There is no fee for this service.

Our large in-force bloc of business with most of the largest benefits carriers puts us in a position of strength to negotiate lower costs and meaningful enhancements with the incumbent insurer. When we do go to market, we have preferred pricing arrangements with many of the largest benefits carriers.

Our involvement opens the door to possible changes that may be necessary to keep pace with competitive practices, the emergence of new benefits, and government off-loading. Our proven methods usually result in:

• immediate and sustainable cost savings
• strategies to contain and manage high drug costs
• employees empowered to spend their health dollars wisely