Business Benefits

Employee Benefits
   For Private Employers
   For Public Employers
   For Human Resources

Individual Insurance

Patient Advocacy

Carrier Information

Hammerlein Garner is now a
Business Benefits company.

Please allow the professionals at Hammerlein Garner help you with your commercial property, general liability, workers compensation, automobile, and home owners insurance.

Visit www.hammerlein.com for more information.

Welcome to Business Benefits!

We invite you to get to know us and to work with us as your resource for all of your employee-benefit needs.

Our experienced consultants successfully implement and manage medical, dental, life, and disability plans for private businesses, non-profit entities and government entities. We help employers of all sizes and recommend appropriate funding arrangements.

As healthcare costs continue to rise, our consultants understand the importance and value of constantly learning about new products and solutions. That's why we also develop long-term strategies to protect the financial stability of the employers that we represent.

We work with you on a more personal level. The experienced consultant that you initially work with remains your primary contact and holds the ultimate responsibility for your satisfaction with our firm.

Our dedication to service is second to none. This enables you to focus on your business while we act as the liaison between your employees and the insurance company or TPA.

Business Benefits also maintains alliances with other professional resources. By becoming a strategic Business Benefits partner, you will be able to look to us for assistance, no matter the need.

Finally, our commitment and involvement in our community is unparalleled. We recognize that our leadership and communication skills can have a positive impact on the region where we live and work. We take great pride in our efforts to improve our community by dedicating time from our personal and professional schedules to actively participate and support many organizations.

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CONGRATULATIONS to our Patient Advocacy Team for exceeding $1 MILLION of savings to clients for resolving unpaid claims since November, 2006!!

Top 5 Current News Articles
3/23/2009	COBRA Update
The American Recovery and Reinvestment Act of 2009 impacts emloyers and recently termed employees with changes to COBRA Laws.
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2/10/2009	Unemployed have options in addition to COBRA.
Never drop health insurance without getting another policy in place first. Consider spouses insurance, individual insurance, and other options, in addition to COBRA.
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2/10/2009	Cigna Web Tool Tells Cost of Care Upfront
Wallstreet Journal reports that US Health Insurer Cigna Corp is launching a tool that enables doctors and hospitals to inform Cigna enrollees in advance of treatment how much they will likely pay in out-of-pocket expenses.
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1/13/2009	5-Year Study on Consumer Driven Health Plans
Employers and other stakeholders continue to assess plan efficiency, value, and effect on consumer health decision-making. Looking across five years experience, UnitedHealthcare’s most recent analysis confirms that answers remain consistent with those of the past – a well designed consumer-driven health plan benefits both the consumer and employer by changing the use of health resources, not shifting costs.
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12/2/2008	Brand-Name Drugs Not Better than Generics
According to a recent study, there is no evidence that brand-name drugs given to treat heart and cardiovascular conditions work any better than their cheaper generic counterparts.
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