Benefits Solutions

Our thought leadership and innovative capabilities enable strategies to effectively manage total program cost and value.

As the cost of healthcare continues to rise, we take a consultative approach with clients to implement and actively manage employer sponsored benefits programs. Cost containment is a key objective across all program strategies to insure the financial integrity of the organization. There is no one size fits all in today’s market. Each organization has unique challenges that require a customized approach to combat rising cost and optimize value.

We design, implement, and manage benefits programs for companies of all sizes, using the most appropriate funding techniques and product strategies.

  • Fully insured plans
  • Self funded plans
  • Level funded plans
  • Consumer Driven Health Plans
  • Captives
  • Consortiums
  • Public and Private Exchanges

We leverage data analytics to assess where, how, and to what end your healthcare dollars are being spent. These insights inform key decisions and interventions to drive positive utilization trends and desired outcomes. Real time information is key to understanding and managing the cost and utilization of health plans.

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“I have trusted and relied on Creative Benefits to provide our company with excellent service for the past three years. They have formed a partnership with our HR department and consistently meet or exceed our expectations.”

HR Director
International Mailing Industry

“… Creative Benefits,Inc. has provided my company support, insight and education as we wade through the constantly changing health care industry. I consider Creative Benefits an extension of my own business with employees and teammates I would not trade for the world.”

Human Resources Manager
Electrical Inspection Industry

“CBI’s team of experienced and knowledgeable professionals met with myself and our HR Administrator one on one to provide an overview of the many components of health care reform. More importantly, they provided specific information on how it applied to our business and what we needed to be doing to be as prepared as possible. […]

Entertainment Industry

“…your commitment to client service is greatly appreciated, particularly each year when you come to our offices and fully explain our health insurance policies to our staff. At any time when one of our attorneys or staff members have had questions regarding our health insurance plan, Creative Benefits would promptly and thoroughly answer any and […]

Legal Services Industry

“My experience with Creative Benefits has been nothing short of exceptional right from the initial meeting to the inception of our coverage…Their service has allowed us to provide our employees with excellent coverage while keeping us within our budget… and their staff is always there when we need them…”

Telecommunications Industry

“We have worked hand in hand with Creative Benefits, Inc. for over seven years. As our broker, they have done an outstanding job of shopping for the best benefit coverage to suit our needs. Their team is top notch and we have yet to encounter a problem they haven’t been able to resolve in a […]

Human Resource Manager
Warehousing, Transportation & Distribution Services

“From the outset of our business relationship, we have received exceptional services from your company. Specifically, you have kept our health insurance premiums constant and even reduced cost when premiums were increasing 10% to 25% per year, saving our firm thousands of dollars…”

Managing Partner
Legal Services Industry

“Creative Benefits has surpassed all brokers we have used in the past. Their “one to one” approach leaves you with a sense of security that whatever your issues are, they will be certain to do everything within their means and beyond to satisfy you as a client.”

Human Resources Manager
Cold Storage Transportation Industry

“On behalf of our team, please let this letter serve as an endorsement of Creative Benefits Inc., who has worked in partnership with our human resources and leadership teams, for over twenty years, as our Employee Benefits Broker and Administrators.  The Creative Benefits team, continues to support us in strategic decision making and provides ongoing […]

International Construction Company

“Seven years ago, my organization sought out a new broker because of the seemingly endless issues we were having.  We chose Creative Benefits and they have exceeded our expectations in every way.  They not only remove the headaches that come with everyday benefit management from enrollments and COBRA administration, but they have saved our organization […]

Exceptional Care
Healthcare Services for Children

“My experience with Creative Benefits has been a godsend. Since I was new to the position of Insurance coverage for my Company I faced numerous challenges. The staff at Creative Benefits has always gone above and beyond the call of duty to help me with my needs. They are the best.”

Human Resources Manager
Precious Metal Industry