Tell us what’s in front of you.
A renewal you don’t believe, a carrier that has gone quiet, a plan that no longer fits the people on it. Start there — you don’t need to know what you’re asking for yet.
Beyond the three offices
Where the work actually is.
Wherever your people are, the same team covers them. These are the states where CFH is running benefits programs today.
- Bloomfield Hills, MI
- Colorado Springs, CO
- Houston, TX
Three offices, one team.
Michigan is home. The licensing is not — so a population that crosses state lines does not need a second broker.
Four documents, and we will tell you what they actually say.
The renewal letter, your current plan summary, your contribution split by tier, and your enrolled counts by tier. Two more if your group is 50 or more.
No obligation and no pitch deck. If you do not have all of it, a one-page authorization lets us request the missing pieces from your carrier directly, and that is not a broker of record letter.
What each document is, where to find it, how long a quote takes at your size and why, and what happens to what you send: it is all on one page.
A conversation, not a proposal.
We Read It First
Before anyone calls you, someone who works with these documents all year reads what you sent. That first read notes the rate action, any plan design changes buried in the renewal and anything missing, so the first call is about your numbers rather than a list of paperwork questions.
Then We Talk
What the renewal says, what is driving it, and which parts of it are actually negotiable. You come away knowing which items are the carrier’s assumptions, which are your own plan choices, and which questions to put back to the carrier before the deadline.
You Decide What Happens
If there is nothing worth changing, we will say so. A second opinion that always ends in a sale is not a second opinion. If there is something worth changing, you get the options in writing with their cost to the company and to employees, and the decision on whether to act stays with you.
Not a renewal? Tell us what you need.
A question, a second opinion, a plan that no longer fits — this reaches the same team as the phone does.
Prefer to call? See your office above, or email info@cfhic.com.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →