Since its inception, BIM has specialized in providing organizations with custom brokered, core employee benefits.

BIM's substantial leverage allows us to aggressively negotiate price and contract terms with major carriers and third-party administrators, as well as pharmacy benefits managers.

Our bargaining power gives your business the highest value for its investment -- while affording your employees the most appropriate, cost effective protection.

Plus, we take some of the burden away from your HR staff by handling the details.

Core Benefits offered by BIM:

Healthcare services

• Fully Insured, Self Funded, and Defined Contribution Alternatives
• Managed Care Network Analysis
• Healthcare Spectrum Analysis
       -- Indemnity (IND)
       -- Preferred Provider Organization (PPO)
       -- Point of Service (POS)
       -- Health Maintenance Organizations (HMO)
       -- Patient Driven Health Plans (CDHP)
       -- Healthcare Reimbursement Arrangements (HRA)
       -- Flexible Spending Accounts (FSA); Section 125

Group Term Life / AD&D

• Greatest amount of protection for least amount of premium. Generally 100% tax deductible with extremely favorable tax benefits to covered employees.
• Benefits scheduled as a percentage of compensation or flat amounts based on occupational classifications.

Disability Income Protection

• Protection for the employee's most valuable asset: their ability to earn an income.
• Benefits may be structured for short- and long-term protection.

Vision / Dental

• Highly valued by employees.
• Protection from the high cost of routine maintenance.

Voluntary and worksite benefits.

These days, employees demand more options. They also value opportunities to supplement core benefits with the security of comprehensive financial protection.

Yet, offering voluntary benefits creates extra legwork for HR staffs already stretched thin. Voluntary benefits also require increased employee communication and education.

Let BIM lighten your burden. And give you the benefit of mass purchasing power.

BIM offers:

• Life Insurance (Term and Permanent)
• Disability Income
• Vision / Dental
• Lump Sum Cancer and Critical Illness
• Long Term Care

Other Specialty Services

• Personalized claims intervention and benefit assistance available to all plan participants
• Benefit statements to communicate the monetary value of employer-provided benefits in relationship to overall compensation
• Customized enrollment and new hire packets
• On-site employee communication and enrollments
• Employee focus group facilitation
• Complete Section 125 plan administration including premium conversion, dependent child care and un-reimbursed medical
• 5500 filing assistance
• Plan document/certificate/booklet review