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I wanted to express my sincere appreciation for the [Benefits Eligibility Analysis Provider] referral. Phyllis and her team were a pleasure to work with - professional, prompt, courteous and their attention to detail with every aspect of our benefits eligibility audit is commendable. We found as many as 36 ineligible dependents that we removed from our health plan roles! Our school can always rely on BBI for support with our health insurance and benefits needs.

Anne Marie Tucciarone-Mahan, Director of Human Resources
Greater Lawrence Technical School
Andover, MA

I'd like to thank you for your assistance with our health insurance company when I was in need of an unanticipated surgical procedure and was made to feel as though I was getting the run-around.

You and Doreen were extremely helpful in pointing me in the right direction, putting me in touch with the people who could assist me in navigating me through the prior authorization process and ultimately getting my procedure approved.

I know that you didn't just do that for me because I'm your primary business contact here at the school; I am confident you would have helped anyone on staff who needed assistance here and for that I am truly grateful and value our relationship. Thank you again.

Anne Marie Tucciarone-Mahan, Director of Human Resources
Greater Lawrence Technical School
Andover, MA

We rely completely on BBI for benefits planning and implementation for a simple reason: They are the best I’ve ever dealt with. We first came to BBI more than a decade ago, looking for a new approach to our health benefits, the cost of which had threatened our company principle of providing top-tier benefits to all employees. Jim Edholm designed a new plan that melded HSAs, high-deductible coverage and other features that kept us with the same insurer, with identical coverage, at a far lower cost to our company and with zero financial impact on our employees. That’s a clear win.

Bob Gilbert, Managing Partner
Gilbert and Renton
Andover, MA

Unusual for somebody with so much experience, Jim Edholm remains deeply curious about his business. He tracks changes in the law, changes in regulations, and changes in interpretations of those regulations. Jim is constantly looking for a different and better way to put together benefit plans, and he recognizes the different needs and obligations faced by companies of different sizes, different revenue streams, and different employee demographics.

Not surprisingly, Jim has assembled a deep roster of talent at BBI – we are comfortable dealing with everybody in the company and confident that they will find the answer to questions that have not even occurred to us. I cannot imagine using anybody but BBI.

Bob Gilbert, Managing Partner
Gilbert and Renton
Andover, MA

Northeast Manufacturing Company has had a 10 year relationship with BBI Benefits.

During this period you have represented us in the field of medical, dental and life-short term disability insurance.

We have been extremely pleased with the level of service and the representation provided by BBI. In this world of ever increasing insurance costs, it's assuring that we have an agent like you working for us.

Looking forward to the next 10 years!

Christopher R. Lobdell, President & CFO
Northeast Manufacturing Co.

Aved Electronics has been working closely with BBI in the person of Jim Edhold for over 10 years. During this time Jim has been a consummate professional; knowledgeable, congenial and mindful of the particular needs of small business. He and his staff have helped Aved navigate the often stormy waters of health insurance and benefits administration, guiding us with a sure understanding of the various providers and a clear sense of our unique circumstances. Striking the right balance between cost and benefit is no easy task in today's healthcare environment. We rely on BBI to guide us through the process and they have never failed us.

But the good news is that Jim and his staff don't limit themselves to simply providing outstanding service; they also look for ways to add value to their palette of offerings. A case in point is the My Paperless Office system they offer to clients. Not content just to help keep insurance costs in line, Jim and his staff are working to make administration easier and therefore more cost efficient. One can't ask much more of any service provider.

Whatever the benefits administration challenges your company faces, BBI will provide superior service and expertise, lightening the load so you can attend to the more pressing needs of your business.

Deryl Santo, Controller
Aved Electronics Inc.
Lowell, MA

My company has employees in 48 states, and complying with all those laws can be a burden for a company’s HR staff. I value Companies that deliver on what they promise. This has been the case with BBI Benefits. They provide us a resource, at no additional cost that can answer every compliance-related question. I am approached by competitors offering their services but I will remain with BBI Benefits as they deliver as promised and obviously value their customers.

John Brussard, CEO
Claims Bureau USA, Inc.
Woburn, MA

JAFCO Foods, has been with Sheila Daly and Business Benefits for 2 years now. They have provided us with superior service from the beginning. Our relationship continues to grow stronger every day.

At the beginning of our relationship JAFCO was involved in an in-depth COBRA dispute involving an ex-employee. Sheila went above and beyond her job responsibilities to help us manage this important issue. JAFCO does not have an HR employee so we rely heavily on Sheila's professional experience to help us address each and every issue that we face. She is extremely knowledgeable, proactive, consistent, and always a pleasure to work with.

As a rapidly growing company it is a great feeling to know you have the right person, from the right company, to fill this important role. Sheila and BBI continue to prove to us that they can and always will provide top-notch service.

John Ferro, President
Jafco Foods, Inc.

In 18 years of running a successful architectural office, I never anticipated the challenges of providing quality benefits both to myself and my employees. Even more of a challenge was how much the price of healthcare now factors into our overhead costs and ultimately our profitability.

In less than 10 years we have seen the cost of our healthcare benefits skyrocket to more than double with no end in sight. Simultaneously, in order to maintain and attract a talented staff we still need to provide a top shelf benefits package in order to complete with the larger firms.

This year, we switched our business to BBI as they provided us with a menu of options that allowed us to think "outside of the proverbial box" and design a plan that keeps a consistent level of coverage at a substantially reduced monthly premium.

Change is not always easy, and Jim and his staff were extremely helpful in addressing the concerns of both myself and my staff. I thank Jim for his interest in the success of my business.

Joseph Luna, AIA, Principal
Luna Design Group

We have been with BBI Benefits for two years now and are extremely pleased with our Broker Chip Brogan and our Account Manager Lynne Bradley. The service is exceptional! We recently renewed 5 lines of business with BBI. We were provided with competitive options for all lines of business and have had great results for both our cost and benefits management.

Chip and Lynne handled our open enrollment and was there to provide well informed personal attention to our employees. We had some issues with the Automatic Billing through [Carrier Name] and BBI was there to answer all of our questions and solve all of our issues.

Kelly Parreira
Salem, NH

With the new Mass Medical Leave Law going into effect recently, I am sure there are many companies such as ourselves that had a lot of questions to make sure we complied. I felt like every time I read it or read something about it I came up with more questions and uncertainty regarding our compliance.

As always the lovely folks at [the BBI-provided HR support service] walked me through the new law, advised on how to best handle it on our end and helped clear up some confusion especially regarding the roll over piece of it and how it will integrate into our existing policy.

Lauren Cardea
Boston Light Source
Boston, MA

For the past six years, the team at BBI has been a strategic partner in establishing and maintaining benefit programs for our employees. Their customer service and quick response to our needs are critical to our success in obtaining competitive and cost effective benefit packages.

In addition, BBI provides our employees with complementary annual benefit statements. These statements serve as a strong tool in which we communicate the value of the benefits our company provides. You will have to look long and hard to find a more dedicated and capable group to meet your organization's needs.

Marianne Iandolo
PCS, Inc.

I have worked with Business Benefit Insurance for the past 16 years. The staff is extremely professional and efficient, yet down to earth. Whenever I need anything, they are always there to help. Recently, our organization changed health carriers. The enrollment meetings were unavoidably planned during my scheduled vacation. In my absence, BBI sent a representative to function as the human resource liaison. They stepped into my role and made themselves available to the employees. They go above and beyond what a traditional broker does. It is truly a pleasure to work with them. We are very satisfied with the many services they provide us. I look forward to a continued successful relationship with BBI. I highly recommend their service to any organization.

Marie A Erickson, Director of Human Resources
Europackaging, LLC

Eaton Apothecary is a Massachusetts-based retail pharmacy chain of 22 worksites and nearly three hundred employees.

Our workforce is diverse; comprised of professionals earning six figures, high school students earning a little spending money, and a lot of people in the middle. Approximately half of our workforce is full time, and slightly over one hundred employees require health insurance from the company


Like all other employers, individuals and governments, Eaton Apothecary has struggled to provide top-notch benefits to its employees in the wake of rapidly escalating health insurance costs. As managers, we are constantly watching how every decision will impact our people and our bottom line and have found it difficult of late to strike a favorable balance.

In 2007, we faced a moderate 7.5% increase from Blue Cross Blue Shield of Massachusetts, our carrier of over a decade. This increase would for the first time put our projected annual health insurance spend over a million dollars – a milestone certainly not to be celebrated.

Our previous approach to cost containment was to simply allow our broker to manage the percentage increase; maybe tweak some copayments here and there to save a few dollars and keep pace with inflation. We assumed increases were inevitable and that we were doing all that we could to provide quality benefits to our employees at the lowest cost.

We were wrong.

In November 2007, we were introduced to Jim Edholm of Business Benefits Insurance Brokerage, Inc. Seven weeks later, on January 1, 2008, our employees have a better plan than ever before and the company is saving nearly $130,000 in calendar 2008!"

Mark A. Dumouchel, President
Eaton Apothecary

I can’t say enough about Carol. But is makes sense that people as nice as you would hire people like her! She is a pleasure and although I dislike Obamacare more than anything, she made it easy…

Marsha Webb, HR Manager
Claims Bureau USA
Woburn, MA

BBI is the consummate benefits broker. They are extremely responsive, knowledgeable and passionate about their work. I was especially thrilled when BBI offered, at no cost to their clients, the full preparation of the 1095C ACA Forms. Yes, that’s right – at no cost! When I shared that information with my HR Professionals Group, they could not believe it!

They [BBI] delivered as promised and our forms were completed and filed months before the deadline. This saved us money, time and stress.

Mary Ann Janigian, Human Resources Director
Boston, MA

I love [BBI’s] amazing resources as well, especially their HR help service, which is complimentary to all their clients. I would recommend BBI without reservation, for any business who is looking for a highly reputable, customer-focused, and very personalized benefits broker. You won’t be disappointed with BBI.

Mary Ann Janigian, Human Resources Director
Boston, MA

Our office has utilized the services of Jim Edholm and BBI Benefits, Inc. for the last several years and the results, both for our clients and for ourselves, have been outstanding. Jim brings an experienced and even hand to the increasingly hot button topic of employee benefits, particularly health insurance. It is because of his vast array of contacts that Jim is able to tap into data from all the major insurers and to compare information on an "apple to apple" basis. Like most law firms, we're challenged daily by a host of deadlines and we have insufficient time to spend on these critically important topics. Jim, as a small business owner himself, appreciates the value of his clients' time and utilizes it in a most efficient manner.

Because of our great experiences with Jim, we have been quick to recommend him and his company to our clients. In every case, the outcome has been very positive. Whether our client has five or five hundred employees, Jim treats them all with the greatest of respect and brings both a positive attitude and diligence to the task.

Jim is a valued member of both the Andover and Greater Lawrence communities. As a past president of the nationally acclaimed Lawrence Boys and Girls Club, he played a critical role in both the survival and renaissance of this tremendous institution.

Advisor, community figure and friend, Jim Edholm and BBI Benefits are a terrific part of our team here at Morris, Rossi & Hayes. I am most pleased to recommend both Jim and BBI to your firm and its clients.

Michael W. Morris, Sr., Senior Partner
Morris, Rossi & Hayes

Thanks for all your help - your BBI staff is awesome and always extremely helpful.

Olivia Perry
Administration Manager, Merrow Manufacturing
Fall River, MA

As you know, Boston Light Source enlisted BBI's services just prior to our insurance carriers' renewal period. We wanted an honest assessment of our current plans and suggestions on how to offer our employees the best benefits package without imposing any financial strain.

After two meetings you presented us with a portfolio of alternative plans compared to our current one. Each plan presented in a clear and consolidated manner with just the facts for us to analyze. The amount of time you saved us is undoubtedly one of the biggest advantages to using your services. Other advantages include:

  • Alternative plan designs offering a wide range of choices and alternative funding approaches.
  • Preventing our old carrier from raising our rates an additional 10% because our growing company exceeded the maximum number of employees allowed.
  • Moving a Principal from a very expensive supplement program to a better, lower-priced plan that cut his personal cost by more than $5,700 a year.
  • Moving the company to a plan that was 4% less than our renewal.
  • All changes were facilitated quickly and efficiently by your team.

We consider the plan changes to be a success and you continue to be our go-to with any questions that come up. Your services are ongoing with free COBRA administration and access to an online HR database tailored to our company. You and your team are knowledgeable, accessible, and a pleasure to work with. Thank you.

Paul L. Chabot, President
Boston Light Source

As we finish our first year of working with BBI, I just wanted to send you a note telling you what a refreshing change it has been compared to the typical broker.

First, you showed us money-saving options when we started with you. But better than that,prior to the renewal this year you contacted us, took the lead in going back out to evaluate alternatives, and also suggested alternative plan designs - which saved us money again this year. We didn't need to chase you to shop again at renewal time.. . it happened automatically.

On our non-medical coverages, not only did you save us money, you also simplified our administrative efforts by combining several coverages together to get us one bill a month instead of three. Now when we add or delete an employee, it's only one-third the work it was before you helped us out.

But probably the most interesting and useful things you send us are the periodic emails that keep us up to date on changes that might affect us such as

  • Changes in the law.
  • New product offerings that might be good for us.
  • Potential new HR ideas we might want to implement

Not everything fits our needs at any particular time, but it's nice to know that you're keeping us aware of future options.

Renee Savat, Office Manager
Baril Die

Working with BBI let us help hold our health insurance costs level for three years in a row. Besides that, the BBI people jumped in to fill an administrative hole in our HR department -- they were more partner than provider.

Rick Wontka, HR Director
Palmer Manufacturing

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