Trusted Independent Insurance Services for Confident Choices

An independent insurance agent can compare plans and pricing from multiple carriers rather than representing only one company. That broader access helps identify coverage, networks, funding arrangements, and benefit features that better match your needs. Franklin Benefits Group also provides ongoing support after enrollment, including renewal guidance, claims assistance, employee communication, and help evaluating changes as circumstances evolve.

Franklin Benefits Group helps employers with employee benefits, group health insurance, life, dental, disability, voluntary benefits, ICHRA arrangements, and benefits administration. We also assist individuals, families, and seniors with health insurance and Medicare-related choices, including Medicare Supplement, Medicare Advantage, and Part D prescription drug coverage. Services are tailored to the client’s coverage goals and circumstances.

Yes. An employer can generally designate a new broker through a Broker of Record letter during the plan year; it does not require waiting for the renewal date or changing the current plan immediately. This allows Franklin Benefits Group to conduct a market analysis, obtain carrier quotes, review plan performance, and provide ongoing service while your existing coverage remains in place.

We review plan design, employer contribution strategies, carrier options, and funding models to find practical cost-management opportunities. Depending on the organization, this may include comparing fully insured, level-funded, self-funded, HRA, HSA, or ICHRA approaches. Our recommendations consider the workforce, budget, risk tolerance, and employee experience rather than focusing only on the lowest monthly premium.

Employee benefits consulting can include market analysis, carrier quoting, plan comparison, renewal management, benefits strategy, employee communications, and compliance support. Franklin Benefits Group also helps employers evaluate core medical, dental, vision, life, and disability coverage, as well as voluntary benefits. Ongoing assistance is available for claims concerns, enrollment questions, and benefit administration needs throughout the year.

We review the Medicare options relevant to your needs, including Original Medicare, Medicare Supplement plans, Medicare Advantage plans, and Part D drug plans. A useful comparison considers your doctors, medications, provider networks, formularies, travel plans, prior authorization rules, premiums, and potential out-of-pocket costs. Annual Enrollment Period support and personalized coverage reviews are also available.

Voluntary benefits often cost employers little to nothing to offer because employees typically pay the premiums through payroll deductions. They can still add meaningful value to a compensation package by giving employees access to lower group rates and convenient enrollment. Options may include accident, hospital indemnity, cancer, disability, life, vision, and pet insurance, with portability available for many products.

For an employer review, gather current plan summaries, renewal information, contribution amounts, enrollment data, employee feedback, and any recurring claims or administration issues. For an individual Medicare or health review, prepare your current coverage details, medication list, preferred doctors, expected care needs, and travel plans. This information supports a more accurate, useful comparison of available options.