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 Benefit Programs


NormanSpencer.com helps businesses and individuals in designing and maintaining benefit programs that simply fit. With NS, you have a "full-time" insurance consultant on staff without full-time costs. Here's highlights of services and coverages available.

Services
  • Plan Design
  • Plan Financing
  • Employee Communications
  • Government Compliance
  • Carrier/Provider Negotiations
  • Union Negotiations
  • RDS Rx Refunds
Coverages
  • Medical* (HSA)
  • Rx*
  • Dental*
  • Long-Term Disability*
  • Life*
  • Vision
  • Self-insured programs (Stop Loss)
  • Short-Term Medical*
*Available for individual coverage

Also, below is a list of association programs and the links to health benefits program web sites. If you don't see your association, try PRMS below.
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