Pinnacle Insurance Associates helps employers design and manage employee benefit programs that are competitive, compliant, and financially sustainable. We advise on health, dental, vision, life, disability, and voluntary benefits, as well as alternative funding strategies like self-funding, captives, and ICHRAs, helping organizations control costs while supporting employee wellbeing.
We partner with leadership and HR teams to handle plan evaluation, carrier selection, compliance guidance, enrollment, and ongoing plan management. Through clear communication, modern benefits tools, and strategic oversight, we help employers maximize the value of their benefits investment while giving employees the information and support they need to fully understand and use their benefits.
Provides coverage for doctor visits, hospital care, and other essential healthcare services.
Covers preventative cleanings, exams, and a portion of dental treatments.
Helps pay for eye exams, glasses, and contact lenses.
Offers employer-sponsored life insurance that provides financial protection to beneficiaries.
Optional employee‑paid programs that offer additional financial protection or wellness support.
Replaces a portion of income if an employee cannot work due to illness or injury.
State‑mandated benefits providing income for short‑term disability leave and paid family leave.
HSA / FSA / HRA SET-UP ASSISTANCE
Health Savings Account (HSA): A tax‑advantaged account you own to save and pay for qualified medical expenses, available only with a high‑deductible health plan.
Flexible Spending Account (FSA): An employer‑established, tax‑advantaged account for medical expenses that usually must be spent within the plan
Health Reimbursement Arrangement (HRA): An employer‑funded account that reimburses you for eligible medical expenses but isn’t owned by the employee.
- No Cost Online Employee Enrollment Platform
- Coordination of Open Enrollment Meetings
- Cobra Compliance at No Additional Cost
- Employee Confidential Claim Assistance Readily Available
- Medicare Assistance- Employee Questions Answered
- Self-Funding & Captive Insurance Solutions
- We represent the Major Insurance Carriers
