What we provide
We are an independent insurance brokerage appointed with all leading providers for life, accident and health insurance.
We design, implement and administer benefit plans that meet the financial criteria of your business as a tool to attract and retain talented employees.
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Individual Insurance
For individuals, families and self-employed persons-If you need income replacement or family protection, we can assist with disability income, level-term life insurance or permanent life insurance.Expand for more +
-If you've left current employment and you're losing current medical coverage, what is your best option; COBRA, marketplace coverage, ACA-Compliant on or off-marketplace coverage, or annually renewable short-term coverage?
-If you're self-employed, with no eligible employees, is an Association Health Plan the right choice? -
Small Group Insurance
For employers with 2-50 eligible employees-You're a growing firm. Your employee benefit plan is a tool to attract and retain talented persons. We can help you build an affordable plan that is flexible.Expand for more +
-Defined contribution models: Give you predictable costs while allowing your employees to spend available monies on benefits most important to them.
-Private Exchange Platform: Offering multiple plan designs doesn't have to be an administrative burden. Give your employees the flexibility to enroll in the plan that fits their needs.
-Traditional HMO or PPO with fixed-cost copays, High Deductible Health Plans paired with HSA or HRA.
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Medicare*
If you're retiring or aging-in to Medicare-If you're turning 65, still working, and covered by your employer, what are your choices?Expand for more +
-COBRA and Medicare
-Part D Prescription Drug Plans
-Medicare Advantage or Medicare Supplement Plans -
Large Group Insurance
For employers with >50 eligible employees-As a large employer, you hold the financial risk of your employee benefit plan. We transitioned our first group to self-insured coverage in 1991.Expand for more +
-Whether you're experience-rated insured, or self-insured, we can assist you in determining the appropriate levels of utilization cost sharing, appropriate utilization and overall risk mitigation.
Additional Services
- HSA administration
- HRA administration
- Primary and Secondary Payor regulations
- RFP/RFQ Management
- Welfare Plan SPDs
- Form 5500 preparation
- PCORI Fee calculation and Form 720 preparation and remittance
- Provider Selection
- Mandated Compliance Notices
- COBRA compliance, notices and administration
- FSA administration
- Association Health Plans
- ERISA Compliance
- FTE Calculation and Groups of Common Control
- Creditable Coverage: both annual notices and annual CMS Filings
Who We Are
Apex Benefit Management was formed in 2017 to acquire two existing insurance brokerages.
We are 100% Woman-Owned and WBENC certified. Our staff has broad experience in all facets of plan design, administration, compliance and execution of simple and complex benefit arrangements.