Post-election: What now for Obamacare?

The future of the Affordable Care Act.

Savage and Associates understands the importance of balancing quality and cost in today’s market. We are able to partner with our providers to supply employer sponsored benefit plans at a reasonable price. After a plan is in place, we continuously monitor its performance and, if necessary, recommend improvements to ensure that you and your employees are completely satisfied.

Our Employee Benefits Group’s comprehensive approach to employee benefits helps employers achieve specific human resource goals, while helping employees fulfill critical risk management and planning needs.

Employee Benefit Products

Health insurance in today’s market is definitely challenging.  How do you know what employer sponsored benefit plan is best plan to cover your employees and yet remain affordable? Savage and Associates can help you understand the changes in healthcare reform and provide options and solutions to employers. We maintain strong relationships with all major health carriers so that we can provide the right plan to fit your organization. Whether you are a small, growing business or an established employer, Savage and Associates is the first name in group benefits.

Savage and Associates offers a full range of group life products to complete your employee package.  Our experts and carriers can provide a range of products including:

  • Group Life
  • Accidental death and dismemberment
  • Dependent Life

Savage and Associates can help you design a vision and dental program to fit your employee health package.  Our carriers offer a variety of flexible plan options through either a Preferred Provider Organization (PPO) group dental plan or Traditional dental plans with no network restrictions.

Savage and Associates can help choose the supplemental disability program that protects your employees and fits your business.  Our carriers offer a variety of flexible plan options including:

  • Short term disability
  • Long term disability

Voluntary benefits allow an employer to increase his benefit offering without cost, as the employee is responsible for the cost. Rates are generally better than what are available in the individual market and employee can generally purchase these benefits with pre-tax dollars through a Section 125 plan. Dental, vision, life can be voluntary benefits as well as critical illness, cancer and hospital indemnity plans.

Professional Consulting Services

A profit-sharing plan, also known as a deferred profit-sharing plan (DPSP), is a retirement plan that gives employees a share in the profits of the company as an incentive.

A defined-benefit pension plan is an employer-sponsored retirement plan that provides funds for employees upon retirement, based on a formula that uses a number of factors including salary history, age, and duration of employment. Company executives control investment risk and portfolio management. The payout employees receive is defined regardless of the performance of the invested funds.

Joan-croppedwebJoan Canning joined the Savage team in 2004 as a Human Resource Consultant and has become the area’s Human Resources Advocate for businesses. The HR Advocate program provides professional human resource solutions to small and medium-sized businesses to help them do well by doing it right. Employers who are balancing the demands of their biggest expense and most critical asset – their employees, as well as an intricate maze of employment regulations, will find Joan’s expertise extremely valuable.

She is the creator of the exclusive “HR Power Hour” and uses her extensive background in Employer/Employee Relations, Employment Law Compliance Audits, HR and Management Training programs, Health Care Reform, Performance Management Consulting and Human Resource Process Consulting to serve her clients’ needs.

Joan Canning is not registered with Royal Alliance Associates, Inc.

Meet Michelle Cleland, MPH, RD, LD, CDE, Wellness Coordinator. Michelle works with companies of all sizes to help them design, implement and evaluate employee wellness, health communication and education programs. She provides individualized corporate wellness consulting and packages for employee wellness and education. Michelle is a registered dietitian who completed her dietetic internship at the University of Michigan Health System. She received her undergraduate degree in dietetics at Bowling Green State University and her Masters in Public Health through the Northwest Ohio Consortium of Public Health. Her experience and interest focuses on lecturing in general nutrition for healthy living as well as dietary influences on health issues or concerns.

Wellness programs can help to minimize tension in the workplace, reduce absenteeism, improve employee’s morale and make the company more productive as a whole. Most importantly, they can help the company reduce their overall plan costs when properly designed.

Michelle Cleland is not registered with Royal Alliance Associates, Inc.

Why is it important? It is becoming more and more apparent that the stresses on employee lives both in and out of the office are having major effects on their well-being. Financial pressures or concerns can lead to health and emotional problems, increased health insurance utilization, a reduction in workplace productivity, increased time off, and a series of other issues. Providing education and opportunity for employees to maintain a stable financial lifestyle may help address these issues.
What does Savage & Associates offer? Savage & Associates offers financial wellness sessions in the following areas:
• Personal Finance: Guidance as to how money works, managing debt, growing and saving personal wealth.
• Education Planning: How to save for high school and college, financial aid, loans.
• Insurance Planning: Deciphering the right amount and type of coverage from life and disability to long term care.
• Retirement Planning: Determine retirement income goals and make decisions to achieve these goals.
• Investment Planning: Identify sources of income, estimate expenses, implement an investment program.
How can Savage & Associates help? Savage & Associates can address your employees based on the needs of the group as a whole, or in smaller more personalized segments. Whether you want to address new hires on investing basics or a group of executives nearing retirement with income generating ideas, Savage & Associates provides tailored informational sessions to address the requested topics. We facilitate the process from start to finish by educating your employees, addressing their concerns, and implementing the necessary solutions.

TELADOC® gives you 24/7/365 access to U.S. board-certified doctors through the convenience of phone or video consults. It’s an affordable alternative to costly urgent care and ER visits when you need care now.


WHEN CAN I USE TELADOC? TELADOC does not replace your primary care physician. It is a convenient and affordable option for quality care.

  • When you need care now
  • If you’re considering the ER or urgent care center for a non- emergency issue
  • On vacation, on a business trip, or away from home
  • For short-term prescription refills

TELADOC doctors can treat many medical conditions, including:

  • Cold & flu symptoms
  • Allergies
  • Bronchitis
  • Urinary tract infection
  • Respiratory infection
  • Sinus problems
  • And more!

What can I expect when I meet a Savage and Associates benefits advisor?

  • We will assess current benefits and establish your benefit plan’s goals and expectations for your new plan. We will educate and provide assistance to comply with any healthcare reform requirements.  We will define specific plans to meet these goals and determine who will benefit from them.
  • We will determine deficiencies in existing plan and what needs to be added and then provide benefit targets, and financing models and offer recommendations: Based on our assessment of the requirements that you have provided, we will create a detailed plan that satisfies your needs.
  • We will help implement your plan and provide your executive group with a complete orientation to define the benefits package to them. Then help with enrollment and documentation of the roll out.
  • We will establish review procedure to monitor the plan for follow-ups and future changes.

  • We are engaged 365 days per year to support plan administration, compliance and client education.

Our goal is to help our clients explore opportunities, examine risks and and understand the rewards of a effective employee benefit package.

Our on-going commitment to our clients?

As part of our on-going commitment to provide clients with new solutions, information and ideas, Savage & Associates is proud to partner with the ProSential Group.

Our relationship with ProSential Group allows us to deliver innovative HR, benefits, and payroll solutions designed for small to mid-sized companies like yours. Our powerful combination of world-class technology, national reach, and local support helps you take your business further.

ProSential Group, a national employee benefits, human resources, payroll technology and services organization, combines hands-on service through local representatives with best class human resources and benefits technology. With offices throughout the United States, ProSential Group enables both small and large employers to simplify the administration of their HR and benefits while reducing costs.

With in-depth knowledge covering a wide range of HR and benefits topics, ProSential Group’s advisors can meet an employer’s unique needs. Our local and national representatives serve thousands of employers across the country and deliver both simple and complex HR and benefits solutions. Our proven expertise, customized solutions and comprehensive service brings measurable value to employers of all sizes.

Our partners will keep your business in sync with the changing landscape of Healthcare.

ProSential Technology Based Payroll, HR, and Benefits to reduce paperwork and keep your company in control by giving employees and managers 24/7 access to HR, benefits and payroll technology and services…all from a single sign on.


Wellness Services

Wellness Coordinator, Michelle Cleland, MPH, RD, LD, CDE.

Michelle Cleland is not registered with Royal Alliance Associates, Inc.

Joan CanningHR Consulting Services provided Joan Canning, Management Consultant

Joan Canning is not registered with Royal Alliance Associates, Inc.

Post-election: What now for Obamacare?

The future of the Affordable Care Act.