The Health Consultants Group (HCG) account teams specialize in the development of cost-effective designs for group medical, prescription drug, dental, vision, life, disability, voluntary, long-term care, employee assistance programs, business travel accident, Association Programs, Health Reimbursement Arrangements and wellness programs.

Various studies show that 73-87% of insurance claims are due primarily to people's life choices. Therefore, it is the responsibility of each individual to pursue a healthier way of living. It all begins with a better awareness of our own health. Many employers want to emphasize healthy lifestyles by offering wellness benefits to their employees in an effort to reduce health plan costs, improve productivity and become an employer of choice.

As health care reform becomes effective over the next few years, employers need expert guidance - now more than ever. The Health Consultants Group is actively monitoring the regulatory process and ensuring that our clients are prepared for the impact each provision will have on their benefit plans.