Employee Benefits / Group Health Insurance

FGMK Insurance takes the difficulty out of employee benefits and group health insurance. We start by analyzing your business and goals, then build a competitively priced program that improves employee satisfaction and helps keep talented staff on board. That’s just the beginning. FGMK can make benefits even easier by managing programs for you and your employees.  Our job is to manage the pieces of the benefits puzzle.  Our clients range from individual plans to large group plans with everything in between.  We have a variety of benefit programs to offer including medical, dental, vision, life, disability, long term care and voluntary benefits.  


Solving the Puzzle

Design – design a plan that makes sense for the employer and plan participants

Compliance – manage the alphabet soup – ACA, COBRA, ERISA, HIPAA, SPD’s

Funding – determine the most cost effective funding structure – insured, self funded, HRA, HSA, FSA, employee contributions

Communications – employee enrollment material, summary benefit plans, forms, employee meetings

Administration – so much to do, so little time – enrollments, billing, claims, contracts, renewals


Our commitment is to provide our clients with the highest possible level of service.  We are in contact with our clients on a regular basis.  We meet to review plans and provide timelines for activities such as renewals.  We begin the renewal process 90 days ahead of time so that there are no surprises.  We develop creative solutions and help to implement them.  We are your resource – not just the annual renewals, but in the day to day administrative tasks of managing your programs.

Contact us to discuss your program and how we can manage your benefits puzzle.

Yolanda Mercado
Benefits Director