NATIONWIDE AGENCY, RELIABLE, PROFESSIONAL, TRUSTED
About us
WE ARE benefit consultants EXTRAORDINAIRE
It's not enough to be industry leaders, benefit analyst and healthcare reform experts, in today's complex benefits arena, advisors, need to know compliance, tax provisions, workers compensation, payroll laws and provisions, Human Resource Integration software experts, ACA compliance Experts. All while navigating the many carrier products.
It is truly a fluid environment, and advisors need to know so much more than just insurance products, but a myriad of components to round out a portfolio of offerings to clients in today's benefit landscape
We are benefit consultants extraordinaire!
leading innovation
We are the first Managing General Agency (MGA) to pioneer a proprietary benefit system that integrates employer group plan with individual plans utilizing a define contribtuition commonly referred to as Health Reimbursement Arrangements (HRA)
It was only a matter of time before the benefit industry followed suit with the retirement industry, much like pension plans shifted to defined contribution and the benefit industry is trending the same way. It only makes sense for automation software to be able to seamlessly work in tandem, and now it does.
industry insights
Automation tools to help create efficiency and lessen the admin burden for business owners is no longer a trend, but has become the norm.
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We believe benefit agencies and companies have to embrace new technologies in order to help clients achieve more with less time, energy and resources. We are on the forefront for ushering a new era in benefit servicing. Click the button below to learn more about industry and forecast.
industry leaders
The health insurance industry, has under gone several changes since the advent of the Affordable Care Act (ACA). This new fluid environment, has brought increasing challenges and obstacles for companies and organizations.
It requires the knowledge and the know how, when it comes to navigating the ever increasing sea of changes in health care legislation, we are insustry leaders in our field with a proven track record, our clients benefit from our knowledge and expertise. Click learn more
we make the world better
WE MAKE BENEFITSEASIER
Employee benefits is more complex today, bridging the gap between technology, education, training and concierge support. Your employees are now counting on a better experience.
COUNSELING
It helps employees when they understand the benefits they are offered, and it starts with a initial consultation and orientation. There are less issues when employees are informed about their benefits.
TRAINING
We provide on-line learning management systems through our state of the art benefit portal, where employees and individuals can access their information and learn about benefits anytime any where.
EDUCATION
Benefits is forever changing in a fluid environment, and it makes sense to keep your company and employees informed about these changes that impact companies and organization. We provide on-going education
SUPPORT
Voted No 1 in customer service, we hold ourselves to the highest standards in meeting the needs of our clients and their employees, call center, on-line chat and local benefit advisers for a personal touch
New Jersey Residents
INDIVIDUALS
see what
you qualify for
Over 300,000 New Jersey residents qualify for FREE health insurance. The recent passing of the American Rescue Plan Act (ARPA) will qualify many for a no cost or low cost plan option.
Nationwide
We are the best
Protect Your Health Insurance Solutions, the premier benefits firm in New Jersey is an affiliate agency in partnership with Mid Michigan Health Insurance Advisors (mmhia), division of insurance agents united (iau).
A total of 50 plus years in the benefits industry, that allows concierge service to New Jersey and Pennsylvanian employers, individuals and families.
Through our broker affiliated division (iau), we have over 100 locations Nationwide to serve all of your employees coast-to-coast.
INNOVATION
Leading benefits technology platforms
INDUSTRY LEADERS
Up on the latest changes in regulatory and legislative guiance
Compliance
Large employer compliance teams
TECHNOLOGY
Using technology to integrate service across multiple platforms seamlessly
HUMAN RESOURCES
Professional HR services for small and large group employers
FORECAST & OUTLOOK
Employer benefits are trending to the point of being the norm for define contributions utilizing HRA's
№1
Customer Service
100+
Combined Years in Business
3,600+
Individual Clients Managed
630+
Employer Clients Managed
Carrier Partners
our services
All things considered, your one stop for all health insurance coverage options.
supplemental
Surveys consistently show that employees who have access to voluntary benefits experience higher job satisfaction and a higher overall sense of financial well-being. With rising deductibles, premiums and healthcare costs, voluntary benefits, even though employee-paid, create a financial safety-net for your employees by augmenting employer-paid benefits.
Individual
More and more people are beginning to realize that an individual plan is more secure and consistent than relying on group benefits, rarely do people keep the same job, or a movement that is on the rise where people would like to retire early, health insurance will be the biggest missing hole in your financial planning strategy.
group
With more than 20 years of service to employers nationwide, we have the experience and resources necessary to cater to the unique needs of any client, no matter size of company or complexity of their benefit issues.
medicare
Get the Most from Your Medicare!
Our Medicare Specialist are dedicated to staying on top of new plan options and regulations as they emerge in the fast-changing Medicare system.
SELF ENROLLMENT
HEALTH, DENTAL, LIFE & MEDICARE
Know what you want, and in a hurry! You can find just what you need all right here. Sign up online and have a policy within minutes.
Your Dedicated Team
We're ambitious workaholics, but apart from that, pretty simple people.
Barbara Hawes PhD, DRCC
Owner / Principal Agent
Barbara Hawes PhD, DRCC, Certified Benefits Counselor and Disaster Response Counselor, has been recognized by Marquis Who’s Who Top Health Care Professionals for dedication, achievements, and leadership in counseling.
Eric Culpepper
Partner
He has served in two military branches of service first the Navy as a technical gunner’s mate of guns (GMG) where he earned the battle efficiency three years consecutively, and also the Army National Guard where he earned several meritorious awards and honors of valor. He earned his degree in Marketing Management through his military service and since went on to work at several companies and establish many successful enterprises. He is married to his high school sweetheart of 20 years with two children residing in Bridgeport, Michigan.
Mary ann Newbill
College Planning Specialist
Having extensive experience as both a college consultant and a life coach, Mary Ann Newbill is uniquely qualified to advise and support students and families through the college process.
David Newbill
Certified Financial Planner
David has been working with individuals and businesses in the area for 22 years.
He has extensive personal and professional experience.He holds the Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER™ (CFP® ) professional designations, and is qualified and licensed to sell a variety of investment and insurance products. David specializes in the formation of your individual financial plan using your current financial position and helping you establish goals for retirement.
Client Testimonials
100% Client satisfaction = 100% retention. Clients remain not only because we are great people, but because we are great for business.
They were able to find individual solutions that were tailored specifically to our staff needs, and were able to achieve the maximum tax credits to help reduce the overall cost of our staff monthly health insurance premiums.Theyenroll, manage and maintains our staff individual health insurance needs and now the staff is able to design and customize their own plans, with tax credits that offset more than the group plans employer contributions.
Torrie Lee
Executive Director RCO
Eric and his staff has taken care of the health insurance for Knoblock Hardware for many years. I feel that his company has done an excellent job for us in finding the best coverage available for our budget and needs.
Tim Corrigan
Owner - Knoblock Hardware
We have been impressed with MMHIA commitment to partner closely with us in finding affordable health insurance solutions, which met our needs. In this environment where companies need to find more cost effective solutions in every part of the business, MMHIA has been a valuable ally for us.
Dan Chasins
Owner - MAACO Auto Collison
“We’ve relied on the recommendations of Mid Michigan Health Insurance Advisors for many years. It’s a relief knowing they keep us abreast of health care legislation and other issues that affect the management of our plans.”
Rex Anderson
Rex Anderson Law Firm
“Great service and communication”, whenever I have a question, I can count on Mid Michigan Health Insurance Advisors to respond in a timely manner. Their tax savings strategies are bar none. Thank you so much!"
Rita Viergever
Office Manager - Sentinel Restoration
Through a health reimbursement arrangement we was able to provide a fixed monthly contribution plus acquire tax credits to help pay for our employees health insurance which reduced our expenses significantly. The process for enrollment into Blue Cross plans was simple and convenient.
Andrew Hall
Owner - Digital Medics Retail Outlet
SCHEDULE CONSULTATION
AGENCY OWNER
BARBARA HAWES
PARTNER
ERIC CULPEPPER
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experts are standing by
Rather it be for individual health plans, group benefits for large or small employers, or just need help understanding health options we're here.
We are committed to teaching and living principles of service, integrity and leadership by example. We place the satisfaction of our clients and the success of our agents at the top of our priority list.
We have provided more affordable health insurance coverage, from every corner of the United States. We are one of the top national agencies in group health and individual market, with a record that speaks for itself. Click here to see our recognition letter from CMS.
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