Brokerage & Consulting

As a plan sponsor, you have many responsibilities to manage, and navigating the complex world of employee benefit plan regulations can be overwhelming. At McGohan Brabender, we can help.

Our team of legal experts, including in-house counsel and our nationally recognized ERISA attorney, understands the importance of keeping up with the constantly changing compliance landscape. Our compliance team will work closely with you to ensure you know every compliance requirement from each agency for your specific employer. This is done through our annual review process that ensures you meet all the compliance requirements as a plan sponsor, such as HIPAA, Affordable Care Act, ERISA, etc. Our customized approach will help you meet your specific needs, provide tailored recommendations for compliance-related issues, and allow you to focus on what matters most - running your business.

We’re committed to mitigating risks and identifying solutions to compliance-related issues, allowing us to provide our clients with the highest level of service. You can be confident knowing that your company is compliant with all applicable laws and regulations and that your plan is protected.

For individuals looking for coverage, there are a couple of options available depending on where you’re at in life:

With employees retiring early and many working beyond the average retirement age, they may not recognize that Medicare can offer a richer plan for their needs. Our co-owned company, RetireMed, can help individuals under 65 needing Individual health insurance plans and individuals turning 65 or over 65, whether retiring or continuing to work and wanting to compare their employer coverage to Medicare.

Visit the RetireMed website or call 1-866-600-4266 to get started. You can also download this flyer for more information.

There is no one-size-fits-all solution when it comes to funding your health plan. From fully insured to fully self-funded plans, each funding approach carries its own unique level of risk. As your trusted advisor and consultant, we’re here to help you manage that risk and determine the best funding approach for your company.

Our team of specialists takes a personalized approach to ensure that we find the best solution for you. We prioritize risk management, cost-effectiveness, and flexibility to help you make an informed decision about your healthcare coverage.

Our approach to technology is different.

We recognize that the world of insuretech products and point solutions is constantly changing, which is why we carefully assess each product through our uniquely designed MB Innovation Lab. Our team of cross-functional experts thoroughly analyzes these products for:

- Relevance
- Ease of integration
- User-friendliness
- Potential impact on health plan costs and member lives

This thorough analysis allows us to craft a customized benefits package that meets the needs of each of our clients. As part of our commitment to innovation, our team continually evaluates new products to ensure our clients receive the best possible plan solutions.

Employer benefits vary based on the size of the employer, and each group size has its own specific insurance rules. This has become even more complex since the implementation of the Affordable Care Act in 2010. To simplify this process, we have developed a unique approach. Our specialists are divided into three segments:

- small groups (under 50 employees)
- mid-size groups (51-99 employees)
- large groups (100+ employees).

This allows our teams to provide tailored advice that’s specific to each client. Our approach ensures a smooth experience for both employers and employees during open enrollment. By customizing our segments, we help employers provide their employees with the best possible benefits package.

We’re committed to delivering the best-in-class benefits consulting experience for our clients, which is why we’ve created strategic partnerships with various organizations that share our values and commitment to providing exceptional service. These partners allow us to access specialists and technicians who add another layer of expertise to deliver a more personalized and holistic approach to benefits consulting.

By leveraging their expertise, we can offer a more comprehensive, tailored service model that meets each client's unique needs. Whether you're a small business owner or a large corporation, we're here to help you navigate the complexities of benefits consulting quickly and confidently.

Regenexx: The world’s most advanced, research-driven, regenerative medicine that provides patients with the best possible outcomes.
C2: C2 is an equal equity partnership of six independent employee benefit firms across the country. This partnership allows MB to deliver national service with local delivery, so you get the best of both worlds.
Airrosti: A healthcare group focusing on providing the highest quality care while keeping costs low.
RetireMed: An independent advisory service for individuals 65 and older.
i-BTR: The largest mid-market HR technology consulting firm that specializes in helping insurance brokers, employers, and their clients improve the efficiency and functionality of their existing technology.
3 Axis Advisors: A highly specialized consulting agency that solves complex, systemic problems with private and government sector organizations and propels industry reform through data-driven advocacy.
The Cason Group: Serves insurance professionals through their innovative sales and service solutions.
GIS Benefits: A national benefits technology and enrollment solutions firm specializing in bringing high-quality benefits to companies of all sizes.
The Council of Insurance Agents & Brokers: CIAB is the premier association for the leading commercial insurance and employee benefits intermediaries around the world.

Supplemental health plans are becoming a top-requested benefit among employees, often being their #1 choice when it comes to selecting benefits. These plans, whether employer-paid or voluntary, are a cost-effective option for unexpected healthcare expenses, such as out-of-pocket costs for accidents, hospital stays, or critical illnesses.

At McGohan Brabender, we know that offering these benefits requires a deeper understanding of the healthcare industry, which is why we have a team of dedicated specialists who have the knowledge and expertise required to deliver a personalized plan for your employees. We also use innovative technology to help simplify the benefits process, allowing employees to work directly with us or manage their benefits independently, with little burden to their employer.

Supplemental health benefits can be a powerful tool for companies looking to attract and retain top talent and lower healthcare costs for their employees.

C2 is an equal equity partnership of six independent employee benefit firms across the country. This partnership allows MB to deliver national service with local delivery, so you get the best of both worlds.

Health care is regional, so we understand the region in which your employees live and work. At the same time, through our C2 partnership, we get the rates and terms a national firm would get on products such as stop-loss, life insurance, and disability. Through MB’s C2 partnership, our clients get local delivery with national scope, which you won’t find anywhere else.

Managing employee benefits is a complex and ongoing process that requires careful coordination and synchronization year-round, not just during renewal season. At the heart of this process, we work together with our clients to develop timelines that outline key activities to be completed throughout the year, including:

- Strategy building
- Relationship management
- Communication
- Population health management

These timelines are client approved and serve as our project plan, guiding our clients through the process of crafting, building, approval, and management of their benefits goals.

At McGohan Brabender, we understand that the workforce is evolving, and we're committed to helping you stay ahead of the curve with our comprehensive benefits solutions. That's why we launched the Member Journey project in 2022 - to better understand the cultural shift in the value placed on traditional and non-traditional employee benefits.

Through this project, we worked with an independent research organization to map the employee journey and identify key change areas. Our findings were clear: the habits of our client’s employees are changing, and if they want to attract and retain the best talent, they need to change with them.

That's where we come in. Our research allows us to provide a more integrated and tailored approach to employee benefits to better meet the demands of a changing employee landscape. We will work with you to reimagine your benefits strategy, taking into account the evolving needs and expectations of your workforce.

The result? A benefits package that helps you attract and retain top talent while keeping your employees happy, healthy, and engaged.