Since M A R is an independent agency, we are free to recommend the carrier and the plan that is best suited to your unique situation. Full coverage medical plans are available from top rated carriers, including Aetna, Blue Cross-Blue Shield, Cigna, Fortis,  Guardian,  Humana, John Alden,  PacifiCare, Principal Financial Group,  and UnitedHealth Care.

Many employers do not have the resources to fund a major medical plan for their employees, but recognize the importance of offering their people access to plans that will help pay for Doctor's visits and minor medical events.

"Mini-Meds" offer affordable access to physicians services and Rx drugs as well as a limited benefit in the event of hospitalization, surgery, or catastrophic medical expense. These plans may be partially subsidized by an employer contribution, or they may be funded entirely by employee money on a payroll deduction basis.

In addition to the carriers listed above, dental and vision plans are also available from many other speciatly carriers. Dental and vision plans are available as employer-pay-all or employee-pay-all, or on an employer subsidized basis, where the employer and employee share the cost.

These valuable benefits are available either as employer-paid benefits or as voluntary plans paid by employee contirbutions.  

Accident, Cancer, Critical Illness, Hospital Surgical, Intensive Care, Long Term Care, Family Life Insurance: M A R makes these popular and important supplemental insurance benefits available through many carriers including AFLAC, AIG, Colonial Life, Conseco,  and Unum.

We can help your business get started with a retirement plan for you and your employees, or if you already have a plan, we can review your participation and expenses to help you improve both.

Through our wholly-owned property and casualty insurance subsidiary, A.R.M. Insurance Agency, Inc., we can offer your employees the convenience of payroll deduction for these important coverages and potential savings through major carriers like Travelers as well. Affording your employees the opportunity to discuss their entire insurance program with our professional insuracne counsellors is a benefit that can pay big rewards for very little incestment on the employer's part. 

We also have experience with unconventional benefits offerings including, day care allowance, legal beneit plans, travel discount plans, health club and other membership plans, veterinary pet plans, and many others.