Health Insurance
Bardwell Benefits specializes in custom group health insurance solutions for businesses of all sizes. Our goal is to help employers offer competitive, cost-effective benefits that support employee well-being and long-term retention.
Group Health Plans Offered
- Fully Insured Plans
Traditional group health coverage where the insurance carrier assumes the risk. Employers pay a fixed premium, and the carrier manages all claims. Ideal for companies seeking predictability and simplicity.
- Level-Funded Plans
A cost-effective alternative to fully insured plans. Employers pay a set monthly amount that covers claims funding, administration, and stop-loss insurance. If claims are lower than expected, unused funds may be refunded.
- Self-Funded Plans
Employers take on the responsibility of paying employee claims directly. Offers maximum flexibility and cost transparency, typically best for larger groups with stable claims history and the ability to manage risk.
Carrier Partnerships
- Bardwell Benefits partners with top-rated national and regional carriers to provide high-quality, customizable group health plans:
Blue Cross Blue Shield, Cigna, Aetna, UnitedHealthcare, Allstate/Nationwide, Angle Health, Optimyl Benefits, Trustmark
Better Benefits Start Here
Whether you're looking to reduce costs, improve coverage, or redesign your employee benefits strategy, Bardwell Benefits delivers the expertise and carrier access to make it happen.