In a world of spiraling costs, clients in a variety of industries are saving 20 to 40% through our High-Performing Health Plans. You can, too.
It's certainly not news to any employer that the upward trajectory of health costs has been steady and relentless. On a per-capita basis, health spending has increased over 31-fold in the last four decades, from $355 per person in 1970 to $11,172 in 2018.
Even with the introduction of HMOs, PPOs and value-based contracts over the years, the cost of employer-sponsored insurance plans also continues to rise.
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Your company is privy to an exceptional team of talented individuals when you work with EBS. Your success is determined by the ability of each individual to work together in harmony in order to achieve your desired result.
Our passion for this business leads us to explore solutions that deliver results ahead of the typical market trends. Let us help propel your organization to be "best of breed" as well.
Your team includes:
Client Advisor: Get practical solutions that help you manage your menu of benefits, keep apprised of emerging benefits trends that keep you competitive, and safeguard your liability when it comes to compliance.
Benefits Coordinator: This is the team member who works behind the scenes on the day-to-day needs of your business - from quote requests or bids on health plans to spreadsheet preparation, proposal creation, faxing and filing.
Client Care Specialist: Works to addresses all employee health benefits issues; for example, enrollment, termination, and claim issues. Also process enrollments, act as a liaison to insurance carriers and answers questions relating to pertinent federal and state legislation.
Read More
Each year, organizations like yours face the daunting task of maintaining their current level of benefits while staying within budget.
Most broker/consultants will go to market on behalf of their clients and present solutions that simply increase out of pocket costs for employees. But these "solutions" never really solve the underlying reasons their carrier is increasing costs.
Our strategy is different. It's measured. It's clear. And it bends the cost curve so our clients can recruit top talent and retain their current employees.
Read More
At EBS, we surround ourselves with partners that afford our clients with the highest levels of service, innovation, and resources. We take the time to develop trusting relationships that mean the most for our team and ultimately, for you, our client.
Read More
Does your broker-dealer deliver the answers and tools that make managing your employee benefits program more effective and efficient?
Here are a few questions that can help you make an accurate assessment...
Read More
Corporations both large and small invest millions of dollars around their employee benefits programs each year. At EBS, we feel it is our responsibility to help educate, bring awareness to, and ensure that your employees have a clear understanding of all that is offered to them. We communicate this by using several outstanding methods that make it easier than ever to understand - and work with - everything offered.
Read More
Because EBS has invested in re-directing the employee benefits process and re-educating our clients and staff, other brokers have noticed. As a result, many have asked us to partner with them in managing their own corporate clients.
Read More
The world of employee benefits can be a treacherous path to navigate without the right partner. Recent regulation has made it even more difficult for businesses to remain in compliance.
Don't be left in the dark when it comes to understanding your employer responsibilities. With the increased scope of regulation, we feel auditing performed by the Department of Labor will cover all group sizes with greater intensity.
Read More
It's certainly not news to any employer that the upward trajectory of health costs has been steady and relentless. On a per-capita basis, health spending has increased over 31-fold in the last four decades, from $355 per person in 1970 to $11,172 in 2018.
Even with the introduction of HMOs, PPOs and value-based contracts over the years, the cost of employer-sponsored insurance plans also continues to rise.
Read MoreYour company is privy to an exceptional team of talented individuals when you work with EBS. Your success is determined by the ability of each individual to work together in harmony in order to achieve your desired result.
Our passion for this business leads us to explore solutions that deliver results ahead of the typical market trends. Let us help propel your organization to be "best of breed" as well.
Your team includes:
Client Advisor: Get practical solutions that help you manage your menu of benefits, keep apprised of emerging benefits trends that keep you competitive, and safeguard your liability when it comes to compliance.
Benefits Coordinator: This is the team member who works behind the scenes on the day-to-day needs of your business - from quote requests or bids on health plans to spreadsheet preparation, proposal creation, faxing and filing.
Client Care Specialist: Works to addresses all employee health benefits issues; for example, enrollment, termination, and claim issues. Also process enrollments, act as a liaison to insurance carriers and answers questions relating to pertinent federal and state legislation.
Read MoreEach year, organizations like yours face the daunting task of maintaining their current level of benefits while staying within budget.
Most broker/consultants will go to market on behalf of their clients and present solutions that simply increase out of pocket costs for employees. But these "solutions" never really solve the underlying reasons their carrier is increasing costs.
Our strategy is different. It's measured. It's clear. And it bends the cost curve so our clients can recruit top talent and retain their current employees.
Read MoreAt EBS, we surround ourselves with partners that afford our clients with the highest levels of service, innovation, and resources. We take the time to develop trusting relationships that mean the most for our team and ultimately, for you, our client.
Read MoreDoes your broker-dealer deliver the answers and tools that make managing your employee benefits program more effective and efficient?
Here are a few questions that can help you make an accurate assessment...
Read MoreCorporations both large and small invest millions of dollars around their employee benefits programs each year. At EBS, we feel it is our responsibility to help educate, bring awareness to, and ensure that your employees have a clear understanding of all that is offered to them. We communicate this by using several outstanding methods that make it easier than ever to understand - and work with - everything offered.
Read MoreBecause EBS has invested in re-directing the employee benefits process and re-educating our clients and staff, other brokers have noticed. As a result, many have asked us to partner with them in managing their own corporate clients.
Read MoreThe world of employee benefits can be a treacherous path to navigate without the right partner. Recent regulation has made it even more difficult for businesses to remain in compliance.
Don't be left in the dark when it comes to understanding your employer responsibilities. With the increased scope of regulation, we feel auditing performed by the Department of Labor will cover all group sizes with greater intensity.
Read More
Early Years: Family is everything
Christy lived her entire life growing up in Pasadena, Maryland. She and her sister, Heather, were incredibly close growing up. They played board games, fought some days, and danced the night away together. And even though she was younger, Heather was always the one to stick up for Christy if someone broke her heart. Christy loved her childhood home and swore she would never move out of Pasadena, but after she married her husband, they moved to Severen, Maryland to raise their five kids. Luckily, they?ve never looked back.
What we know about Christy: Busy, busy bee
After graduating from Northeast High School in Pasadena with four varsity letters and her class?s valedictorian, Christy went on to pursue a bachelor?s degree at the University of Maryland. Her jam-packed high school schedule continued into college: She was part of a sorority, worked on the side, was raising children, and graduated with degrees in both medical assisting and business management ? all in less than four years. We?re lucky to have Christy?s dedication and go-getter attitude here with us at EBS.
Do-re-mi: I love to sing! I will sing most anything. My kids are always watching me run around the house cleaning, cooking, dancing, and always singing.
A shark in the pool: When I was younger, I was on the swim team and known for the backstroke. I placed first in every competition I competed in.
Wine and friends are a great blend: Exploring different wineries with friends is one of my favorite hobbies ? that and drinking the wine.
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The Early Years: Small Town Girl
Kinsey grew up in Smithsburg, a small Maryland town where everybody knows everybody. Her father was a wrestler at West Virginia University and her parents were high school sweethearts. Her younger brother attends James Madison University. During her high school years, Kinsey loved to hang out in Virginia Beach and she travelled often with her family to and from softball tournaments.
What we know about Kinsey: Well Counseled
Kinsey received a scholarship from UMBC to play softball and graduated from the University with a double major in Psychology and Sociology. Previously, she was an Assistant Teacher for a child with autism at Ivymount School. Someday, she'd like to receive her master's in Industrial and Organizational Psychology. But most of all, this woman is a huge sports fan. You might spot her at an Orioles or Redskins game if you're lucky!
The ball is in her court: "Although most of my time was filled with softball I also played basketball and volleyball in high school."
She's a great catch: "My sophomore year of college I counted the number of bullpens I caught, and the total turned out to be 130!"
Burn Notice: "One time while on vacation in Miami, I got so burnt that I could not leave my hotel room or move my body for a complete 24 hours."
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Early Years: Tricky pets.
Born in North Carolina, Chloe grew up with a younger sister and a kitten, named Humphrey, and she has always loved animals. Today, she has a corgi puppy, named Charlie, who is incredibly outgoing and social. So much so that after hurting his paw at the dog park, he moped and had to be carried around until Chloe took him to the vet. As soon as they arrived, he bounded out of the car with excitement. The vet tech informed Chloe that Charlie had tricked her into bringing him for a visit so he could see his friends at the vet's office.
What we know about Chloe: The great outdoors.
Chloe earned her bachelor's degree from the University of Lynchburg, majoring in English with minors in creative writing and secondary education. While in school, Chloe was awarded the Robert L. Hill Distinguished Senior Award and the Laura Jeter Parker English Academic Award. We appreciate having such a dedicated worker on our team, but when she isn't in the office with us, we know she's probably somewhere outdoors - be it on a tennis court, hitting the hiking trails or exploring Virginia's beautiful vineyards.
Stargazing: I have a star named after me.
Not quite a pebble in your shoe: I've had a pebble lodged in my right knee for more than 20 years.
Expresso yourself: I simply love coffee!
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Early Years: The strength of sisterhood.
Emily grew up in Newburgh, NY as the youngest of three. With Emily's only sister being five years older and having to share a room with her "annoying little sister," the girls didn't get along very well as children. Luckily, they're extremely close today and both live nearby in Baltimore.
What we know about Emily: Chasing adventure.
After earning her bachelor's degree at the State University of New York at Buffalo and completing her Master's program at Catholic University of America, Emily made herself a promise to travel to a new place every year. So far, she's been to Italy, Switzerland, the UK, Ireland, multiple countries in southeast Asia, and took a 40-day road trip with her husband to national parks across the U.S. Her family are also avid skiers and try to take annual family ski trips.
Professional bookworm: I love to read! Last year, I surpassed my Goodreads book challenge by reading 59 books!
Experimental cooking: I have a hard time following a recipe without adding my own twist or ingredient to it.
Take a hike: I'm an avid hiker but terrified of snakes, so I've had quite a few run-ins that ended in slight panic attacks.
More Team MembersAs employee benefits brokers, our core competency is to provide you access to medical, dental, vision, life, disability, and other insurance products. We help you navigate employee benefits through automated technologies that streamline and automate the process, such as integrated payroll, enrollment platforms, benefits administration, and Human Resource Information Systems. We keep you out of the penalty zone by advising you and providing solutions to meet your ERISA and Affordable Care Act (ACA) requirements, including reporting and distributing notices. We protect your bottom line by providing financially-focused and strategic planning, cost containment strategies, and risk management. We back all of this up with incredible customer service that is with you every step of the way. We are Employee Benefit Services. We are easier, better, smarter.
