Carmichael Associates is incredibly responsive to our questions and calls for assistance. Each of our inquiries is met with professionalism and an insightful knowledge of employee benefits, including health, dental, vision, life, and disability insurance. They work hard to find the best plans for our employees, often running extensive analysis to make sure our preferred doctors and our prescriptions are available for the health insurance plans we are considering.   Sometimes we run into issues getting claims properly covered. When this happens, Stan and his staff step up and fight for our employees to make sure our claims are handled fairly and quickly.  Carmichael Associates makes every step of the employee benefits process comfortable. They are an outstanding organization.

We are a small Catholic college and because of our structure we have proportionately more employees, which include staff and faculty, than most entities our size. It is imperative, therefore, that we search for the most advantageous pricing when selecting employee benefits. Carmichael Associates continually works to save us money in our employee benefits without compromising our desire for medical plans that protect our religious freedom. Stan and his staff succeed in securing economically priced benefits that meet the needs of our employees while protecting our freedoms thanks to their knowledge of the employee benefits marketplace.
Whereas most brokers are limited in what they present, Stan has presented us with options outside what is standard. These include private exchanges, MEWA, private trusts, self-funding, partially self-funding, and others. Carmichael Associates is more than just a brokerage firm to us. We consider Stan and his staff good friends.

I highly recommend Carmichael Associates for any and all employee benefits needs. I’m not sure what our school would do without their problem solving assistance and outreach to our medical providers and medical administrators. Stan and his staff have saved us a lot of time and a lot of money by this work that they do. Carmichael Associates maintains outstanding communication with all of our employees. No question is too big or too small to run by them. AND, best of all, Carmichael Associates secures us reasonable pricing with a partially self-funded medical plan. It doesn’t get any better than that! If you want a broker that truly has both the employer AND employees best interests at heart, you want to work with Carmichael Associates.

As a long-time client of Carmichael Associates I am pleased with the work that Stan and his staff do for my business. We get more than just the purchase of health insurance and employee benefits from Stan and his staff. We get ThinkHR with its hotline and training sessions and a knowledgeable team that helps us achieve ACA compliance. All of this, just for the cost of employee health insurance!

Working with Carmichael Associates has allowed me to focus on the business of doing my business because I know that my employees are taken care of and that my company will be compliant in all the new rules and regulations of employee benefits.

As a one-man S-Corp, I know I’m not a cash cow, but I get Fortune 500 client treatment from Stan and the Carmichael Associates team. They went above and beyond to get my insurance coverage problems solved after a provider made some mistakes with my application. They’re some of the most responsive and proactive communicators I’ve ever worked with. I’m amazed by it sometimes. These are the marks of a company that prioritizes customer experience over everything else. I’m so happy I was recommended to them and I’ll be recommending them in the future as well.