Retiree health care and its cost is a growing concern for businesses in both the private and public sectors. Rising retiree health care costs, coupled with America’s aging population, present significant challenges to employers. Morris & Reynolds has extensive experience in reviewing and implementing retiree health programs tailored to the unique goals of your organization. We can assist our client’s with their retiree healthcare concerns in a number of areas including:

  • Performing FASB & GASB liability calculations.
  • Reviewing network and provider availability for retirees.
  • Obtaining health care coverage for retirees.
  • Creating, reviewing and updating eligibility provisions.
  • Monitoring evolving legal requirements, costs and emerging liabilities over time.
  • Assisting in evaluate and implement disease management and pharmacy benefit programs.
  • Creating, implementing and managing retiree ‘flex’ programs.
  • Evaluating, creating and monitoring defined contribution approaches and financing solutions including Health Reimbursement Account arrangements.
  • Create, review and implement pre-funding retiree health care solutions, including such issues as funding sources, taxation, design and financial modeling.

In addition to retiree insurance solutions, some of the benefits of our employee benefit’s work for our clients include;

ALL FORMS OF INSURANCE & EMPLOYEE BENEFITS

• Ancillary (Voluntary/Employee Paid)
• Benchmarking
• Benefits Administration
• Brokerage
• Cancer & Critical Illness
• Communications
• Compliance Consulting
• Consulting
• Dental Insurance
• Disability (Short & Long Term)
• Employee Assistance Plans (EAP)
• Health & Welfare Plans (Group)
• Health / Medical Insurance
• Healthcare Reform
• Hospital Indemnity
• Individual Health
• Life Insurance (Group)
• Payroll Deduction Auto & Home
• Pharmacy Consulting
• Plan Design
• Plan Management
• Pre-Paid Legal Plans
• Network Evaluation
• Retiree Health Care
• Retirement Plans (401k’s)
• Vision Insurance
• Wellness & Productivity

SUPERIOR MARKET KNOWLEDGE, RELATIONSHIPS & INSURER ACCESS

Morris & Reynolds represents and has access to the entire market of leading insurers. Many of our relationships with major insurers span decades and often find us in a leadership position as an advisor or agent Board member.

AGGRESSIVE, TRANSPARENT, NEGOTIATIONS

Your employee benefit’s goals and bottom line are our sole focus. The coverage and costs that we negotiate, in fact all we do, is focused on you and your employees. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference but our client’s goals, dreams and desires. Always.

HANDS-ON DAY TO DAY CARE & ADVOCACY FOR YOU & YOUR EMPLOYEES

Let’s face it, insurance can be time consuming and frustrating. Dealing with providers and insurers is often an experience filled with ‘red tape’, delays and frustration. Whether you or your employees have a question about your coverage, a provider, a bill or a claim we are here to help every step of the way. Our Client Advocates are here at Morris & Reynolds everyday focused on assisting you and your employees with provider and claim concerns as well as the never ending ‘red tape’ involved with America’s medical ‘system’.

WELLNESS

An apple a day really can keep the doctor away (along with exercise, an education on health and wellness). Morris & Reynolds is deeply proud of the work we do with many of our employee benefit clients to help make their employees happier, healthier and more productive both personally and professionally.

PEACE OF MIND

Your employees and their satisfaction with the benefits you offer to them is very important to your business and your peace of mind. At Morris & Reynolds Insurance we take your benefits, employees and peace of mind, to heart in all we do from the coverage that we structure, the insurers we suggest and the day to day service and care we provide to our clients and your employees. When you need us most, we will always be there.

VISION & INNOVATION

At Morris & Reynolds Insurance our client’s receive the best of both worlds. We are well known for our ‘old fashioned’, reliable and responsive service that dates to the founding of our agency in 1950. We are also known for employing cutting edge technology and offering the latest in coverage innovations and ideas to serve our client’s ever evolving needs. Services such as The Protection Portal and Morris & Reynolds MyWave are just two examples of our forward thinking approach to service.

AWARD WINNING, EDUCATED, PROFESSIONAL PEOPLE

Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in employee benefits and insurance, is unique to Morris & Reynolds Insurance. In order to offer our client’s the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.

Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent