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Balance Benefit Costs
With Employee Needs

ECBM specializes in eliminating unnecessary fees from your benefits budget while prioritizing high-quality comprehensive employee health insurance plans. We strive to balance benefits affordability with the needs of your workforce, with an eye to long-term sustainability.

As a trusted business insurance broker, ECBM has established relationships with all major medical and ancillary employee benefits providers. We can provide solutions for your fully insured and self-funded health benefits programs. 

ECBM also offers medical captive and GAP coverage solutions. Our experts can assist with short-term needs and create a multi-year solution to align your employee benefits program to your business strategy and philosophy.

Benefits Options Customized for Your Business

ECBM will review your current employee benefits program and make customized coverage recommendations based on company budget and staff needs. 

  • fully-insured-programs

    Fully Insured Plans

    We can tailor your fully insured employee healthcare plan to meet the needs of your company and employees.

  • self-funded-programs

    Self-funded Benefits Programs

    Our self-funded benefits programs are designed to meet the unique needs of your company.

  • captive-solutions

    Medical Captive Options

    Programs that combine the cost-saving benefits of self-funding with stop-loss protection against large, unexpected individual claims.

  • gap-solutions-1

    Medical Gap Insurance

    We partner with gap carriers to offer employer and employee solutions to help cover the deductible for most medical plans.

ECBM blog article about employee benefits insurance and transparency of healthcare prices | commercial insurance brokerage, risk management solutions, independent insurance agency, mid-atlantic insurance broker

Transparency of Healthcare Prices

Healthcare cost transparency has become a large issue in the ongoing debate of healthcare reform in the United States. Estimating the measures of healthcare transparency could save the U.S. healthcare system $1 trillion annually. 

ECBM blog article about employee benefits insurance and the pros and cons of private vs. public health insurance | commercial insurance brokerage, risk management solutions, independent insurance agency, mid-atlantic insurance broker

Private vs. Public Health Insurance: Pros & Cons

When it comes to healthcare coverage, the debate is whether public or private health insurance is more effective.The best option depends on financial situations, personal needs and specific policies. 

F A Q s
What does an employee benefits consultant do?

An employee benefits consultant helps businesses design and manage health and benefits programs. This includes evaluating plan design, funding strategies, claims data and vendor performance to reduce costs while improving employee experience.

What is a self-funded health plan and how does it work?

In a self-funded health plan, the employer pays employee healthcare claims directly instead of paying fixed premiums to an insurer. This approach offers greater transparency, flexibility and potential cost savings, but requires strong financial controls and risk management.

What are the top employee benefits trends?
Key employee benefits trends include:
  • Mental health and wellness programs
  • Flexible and personalized benefits
  • Self-funded and level-funded plans
  • Pharmacy cost transparency
  • Financial wellness initiatives
  • Benefits tailored to hybrid workforces
Does ECBM provide an employee benefits administration system?

Yes: ECBM can support benefits administration through Employee Navigator, helping employers centralize enrollment and benefits administration while coordinating with carriers and the ECBM service team.

Our Approach

Assess

Understand your business and its risks

Authenticate

Precisely validate your insurance strategy

Advocate

Support you when outcomes matter
  • We'll ask deeper questions
  • Identify exposures and gaps
  • Evaluate operational and workforce needs
  • Test coverage and pricing
  • Compare carrier and market options
  • Confirm fit, value, and competitiveness
  • Assist with claims and resolution
  • Coordinate with carriers
  • Provide ongoing guidance and accountability
Consult with an ECBM expert to review your company’s current insurance coverage, get insight into potential gaps and exposures, and uncover opportunities for savings.