Employer desk
Group medical, dental, vision, life and disability. Census quoting, contribution modelling, compliance and renewal negotiation.
Dana Whitfield · Marcus Oyelaran · Tomás Vega
The people
Six advisors, three desks
A multi-advisor firm rather than one person with a phone. You get the desk that fits your question, and a named person who stays with it.
How the firm is arranged
Three desks, not one inbox
Medicare desk
The 65 transition, Advantage versus Supplement, Part D drug list runs and the annual October review.
Harold Brennan
Individual desk
Marketplace, self-employed households, life and supplemental, plus Social Security claiming analysis.
Renata Silva · Camille Okafor
The advisors
Dana Whitfield
Managing partner · Group benefits
Dana runs the employer desk and takes the larger renewals herself. She came out of hospital revenue-cycle work, which is why the first thing she asks about any plan is how a claim actually gets paid.
Focus
- Groups of 50 to 250
- Level-funded transitions
- Renewal negotiation
Credentials
- CBGA · Certified Benefits & Group Advisor
English
Marcus Oyelaran
Senior benefits advisor · Group benefits and compliance
Marcus handles the compliance side of the employer desk: FTE counts, affordability safe harbours and the 1095-C coding that produces most of the penalty notices we see.
Focus
- ALE determination
- Affordability testing
- ACA reporting support
Credentials
- CBGA · Certified Benefits & Group Advisor
- CBCP · Certified Benefits Compliance Professional
English
Renata Silva
Benefits advisor · Individual and Marketplace
Renata works the individual and Marketplace desk, with most of her caseload in self-employed households where income moves during the year. She runs our Spanish-language enrollment sessions.
Focus
- Marketplace subsidies
- 1099 households
- Mid-year income changes
Credentials
- ACES · Accredited Coverage & Enrollment Specialist
English and Spanish
Harold Brennan
Medicare advisor · Medicare
Harold has spent his career on the 65 transition. He will talk anyone out of a plan that does not cover their oncologist, including on a plan he would otherwise be paid for.
Focus
- Turning 65 reviews
- Advantage versus Supplement
- Part D drug list runs
Credentials
- RMBA · Registered Medicare Benefit Advisor
- ACES · Accredited Coverage & Enrollment Specialist
English
Camille Okafor
Retirement income advisor · Social Security and annuities
Camille builds the claiming-age analyses and handles the annuity conversations that follow. She does not sell in the first meeting, which clients tend to comment on.
Focus
- Social Security break-even
- Spousal and survivor strategy
- Income planning
Credentials
- ARIS · Accredited Retirement Income Specialist
- RMBA · Registered Medicare Benefit Advisor
English
Tomás Vega
Enrollment manager · Service and enrollment
Tomás runs enrollment season: the meetings, the kits, the payroll files and the week-two questions. If you call the desk in November, you will probably get him.
Focus
- Open enrollment meetings
- Bilingual sessions
- Payroll and carrier files
Credentials
- ACES · Accredited Coverage & Enrollment Specialist
English and Spanish
What you can expect
Service standards, stated plainly
| Promise | Target |
|---|---|
| Census comparison returned | 2 to 4 business days |
| Renewal work begins | 150 days before the anniversary |
| Phone answered by a person | During posted hours, no phone tree |
| Annual Medicare drug list re-run | Every October, for every client |
| Enrollment meeting languages | English and Spanish |
| Cost to the client | $0, always |
Credentials, explained
What the letters after a name actually mean
Five designations at this desk. Here is what each one covers.
Certified Benefits & Group Advisor
Group plan design, funding models and renewal negotiation for employers between two and five hundred lives.
Arcwell Institute of Benefits Practice
Registered Medicare Benefit Advisor
Medicare parts, enrollment windows, late penalties and the Advantage versus Supplement decision.
Arcwell Institute of Benefits Practice
Accredited Coverage & Enrollment Specialist
Marketplace subsidy mechanics, household income reporting and mid-year qualifying events.
Lanterncrest Standards Board
Accredited Retirement Income Specialist
Claiming-age break-even work, spousal and survivor strategy, and income sequencing.
Lanterncrest Standards Board
Certified Benefits Compliance Professional
Full-time equivalent counting, affordability safe harbours, minimum value and annual reporting.
Arcwell Institute of Benefits Practice
Pick a desk. We will pick the advisor.
Send a census or ask one question. Either way it costs you nothing and nobody will chase you.
Independent and multi-carrier. $0 cost to work with us. No pressure scripts.