Service that Seperates Us!

Although we may be good at what we do, sometimes our clients needs can go beyond our scope of work. That is why we have partner with the best companies in the industry to round our portfolio of services, regarding areas of payroll, compliance automation vendors, and much more. Be leary of benefit agencies who claim to do it all, unless they have specific departments that specialize in each area, all are highly complex, and need a certain level of expertise to be done properly.

It’s No Longer a Trend, It’s the Norm!

Automation in benefits administration is the way companies and organizations will create efficiencies, reduce admin burden, minimize human error, lower cost of operations and much more. We are a Tech based company inside of the Health Insurance Indusyry

Employee Benefits SIMPLIFIED!

Useful Links


New Jersey Resident Health Insurance
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Florida Behavioral & Mental Health Services
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Rex Anderson Law Office
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Knoblock Hardware Flint Mi
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HEALTHCARE.GOV Website
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Genesee Health Plan
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Credit Union Finance Alliance
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Small Business Administration
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Better Fuel Economy
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Group Wellness Plans


Wellness programs have become common in the workplace. A 2014 Kaiser Family Foundation survey found that among large employers offering health benefits, just over half offered an opportunity to complete a health risk assessment (HRA), a questionnaire that is often a gateway for the provision of health risk information and other wellness program components (Exhibit 12.8 in the Kaiser survey). A similar fraction offered biometric screenings (Exhibit 12.1), such as tests for cholesterol or blood pressure, or measurement of body mass index. Some screening programs test for cotinine, which is associated with nicotine exposure.

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Human Resources Services


We specializes in technical benefits system to put the administration task on auto pilot while your staff focus on what's most important. We also keep up with the most recent changes in legislation concerning the Affordable Care Act, to help our clients with Design benefits to meet the requirements of the ACA, Assist with ACA reporting, Provide employer training and education on complying with the ACA, Handle all employee forms and notices, and more>[Go to top]

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Human Resources Technology Services


As a client of Mid Michigan Health Insurance Advisors (MMHIA), employers have access to a full suite of value-added HR technologies to handle everything from enrollment to compliance. [Go to top]

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Financial Services


Mid Michigan Health Insurance Advisors (MMHIA) financial services division is Circle Of Life Financial Planning (COLFP), we are highly skilled experts available to help make your investment portfolio work harder toward achieving your goals. David Newbill is our Chief Financial Officer (CFO) of MMHIA, and resident expert of our financial services division. We are committed to providing exceptional investment management for our clients.
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Group Benefits


With more than 20 years of service to employers throughout Michigan, we have the experience and resources necessary to cater to the unique needs of any client, no matter size of company or complexity of their benefit issues. [Go to top]

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Group Voluntary Benefits

Surveys consistently show that employees who have access to voluntary benefits experience higher job satisfaction and a higher overall sense of financial well-being.  With rising deductibles, premiums and healthcare costs, voluntary benefits, even though employee-paid, create a financial safety-net for your employees by augmenting employer-paid benefits.

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QSE-HRA Solution for Small Groups Under 50


The best way for a small group employer with less than 50 full time employees, is to opt for a Qualified Small Employer - Health Reimbursement Arrangement (QSE-HRA). One of the fastest growing solutions in the nation for offering coverage to employees on a conservative budget. It provides robust customized personal plan option while offering both tax incentives to both employer and employer. Click the learn more. [Go to top]

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Sole Proprietor & 1099's


As a self employed business owner or independent contractor, you are in a unique position to radically reduce your cost for health insurance premiums, by levering few tax components. You are able to deduct both medical and business expenses to modify your gross income to qualify for more tax credits, also there are many other tax strategies to take advantage of.Go to top]

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Individual Plans


More and more people are beginning to realize that an individual plan is more secure and consistent than relying on group benefits, rarely do people keep the same job until age 65, or a movement that is on the rise where people would like to retire early. Now that individual plans have no life time maximums, meaning no matter how much your healthcare cost, your premiums can not be increased and the carrier can not drop your coverage, plus plans are guaranteed issue, meaning you can't be turned down our singled out based on any pre-existing conditions, make it a great choice for individuals and families.[Go to top]

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Individual Wellness Plans


A key provision of the Affordable Care Act (ACA) is the requirement that private insurance plans cover recommended preventive services without any patient cost-sharing.1 Research has shown that evidence-based preventive services can save lives and improve health by identifying illnesses earlier, managing them more effectively, and treating them before they develop into more complicated, debilitating conditions, and that some services are also cost-effective.2 However, costs do prevent some individuals from obtaining preventive services (Figure 1). The coverage requirement aims to remove cost barriers. [Go to top]

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Individual Medicare Plans


Our Medicare Specialist David Newbill is dedicated to staying on top of new plan options and regulations as they emerge in the fast-changing Medicare system. Click learn more to see all the benefits of working with us regarding Medicare [Go to top]

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Life Insurance Plans


Life insurance helps protect your family, business and finances. We provide low cost plans to help pay final expenses, bills and the kid’s education. We also offer more permanent solutions to help build and protect financial wealth and leave a legacy.[Go to top]

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Discount Card Program


One of the most comprehensivde discount cards available today, offering significant discounts on auto rental, vitamins, lasik surgery, glases, dental and much more. Click the buton to learn more

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