History Charmaine Harrison-Tummings joined Creative Benefits, Inc. in 2005 after seeking a new opportunity within the health insurance industry. Having previously worked alongside the firm as a client, she was already familiar with its service approach and culture. From the start, her experience and perspective stood out. What began as …
Prioritizing Employees’ Needs with Our ESR Team
According to Forrester Research, around 71% of surveyed HR teams believe their employees do not fully utilize their benefits. HR teams are often equipped to answer basic health insurance questions; however, the more technical questions become difficult to answer without a background in the industry. Fortunately, our Employee Service Representative …
Our Strategic Sourcing Strategy Drives Client Success
In 2017 the Creative Benefits team launched a timely campaign, Employer Empowerment. Since the kick-off meeting, in early January, we are ahead of schedule with the successful completion of 3 strategic initiatives aimed to optimize the customer experience and drive desired outcomes. Providing our client stakeholders, the: CFO / Owner HR Director Employees …
Transparency and Hidden Fees
By: Carolyn McLaughlin-Smith Transparency in the health insurance business is a continual challenge. At Creative Benefits, we research policies meticulously before signing on the dotted line. But even when we dig deep and anticipate every fee — and pass that information along to policyholders — there are still fees we …
A Successful Insurance Renewal & Open Enrollment: Part II
Employers may feel relieved when insurance renewals are over, but the fact is their job is only half done. The next step en route to the finish line is Open Enrollment. During Open Enrollment, employees learn about benefits, select coverage, fill out enrollment forms and receive identification cards. It takes …
Creative Benefits Elevates Customer Service from Good to Great
For the average person, almost anything related to health insurance is complex and overwhelming. Therefore, when problems occur—as they often do—people feel frustrated. However, employees whose health insurance benefits are brokered by Creative Benefits enjoy a very special benefit—instant access to the Employee Services Representative (ESR) Team. The ESR Team …
Trust Our ESR Team to Help
Maybe it’s time to change your HR strategy… we can help! At Creative Benefits, our Employee Service Representative (ESR) Team is available Monday – Friday with extended business hours! There is NO automated phone system here… each call gets answered by a live team member ready and willing to help. …




