Medical Insurance

Medical insurance is viewed as the core benefit to a large population of employees and, by a wide margin, it carries the highest price tag. The type and structure of your medical insurance program can have immense financial implications for business owners and their  employees.  There is no universal solution.

We work closely with our clients and their team to develop solutions that fit the company’s culture, budget and recruiting and retention needs.  From Health Savings Accounts, Health Reimbursement Arrangements, traditional insurance and HMO programs to self-funded and level funded plans, The Gremel Group  serves as a trusted advisor to help clients implement and communicate the best offering or combination of offerings.  Our primary goal is to encourage active participation and appreciation for our clients and their investment in their employees and their families.

We are also sticklers for compliance. ERISA, COBRA, The Affordable Care Act and other laws can be complicated—especially for growing companies.  We have the experience, systems and professional contacts to keep our clients up to date and flying right with respect to the array of regulations that govern employers and their employee benefit plans.

Disability Income Insurance

A person’s ability to earn an income nearly always represents their family’s most valuable asset.  The Gremel Group  advises its clients on the Disability Insurance market to design short and long-term disability income programs needed to protect the incomes so important to employees’ families.  We offer employer paid, contributory and voluntary disability programs from the  nation’s leading insurance carriers.

Life Insurance

From key person insurance to group wide plans, we can help clients develop a successful life insurance programs for their companies or professional practices.  Life insurance agents are not calling on individuals like they used to in the past.  The workplace is often the only place other than television or the internet where people receive information and the option to buy coverage.  Our personal approach, together with professional estate planning services guarantee the best results.  Why not offer access to meaningful coverage from a trusted source?  A thoughtful approach will serve to enhance the employee experience while fostering associate loyalty and a reputation as an employer who really cares about its people.  Such programs can also be the difference maker when attracting and recruiting top talent.

Executive Benefits

High income earners contribute greatly to the success of their enterprises and work to build a lifestyle for themselves and their families.  Unfortunately, group life and disability income insurance plans have not evolved over the decades to keep up with executive pay structures.  Things like incentive compensation, which often exceeds more than half of total earnings, are usually excluded from coverage. This creates an enormous gap between what high earners expect to receive in things like disability benefits and what they actually get.

The Gremel Group provides a deep dive analysis of your coverage.  We design executive benefit programs that address these gaps, giving our clients a huge advantage in the recruitment and retention of top talent.  Supplemental life insurance programs offer huge advantages in the retention of key persons.  Contact us to learn how income tax advantages combined with the professional implementation of specialized products can help your firm provide a best-in-class experience for your executive team.

Voluntary Benefits

According to the Society of Human Resource Management, Voluntary Benefits are now “Essential and not Fringe.”  Coverages like Critical Illness and Accident serve to supplement and enhance “core benefits” and can provide additional financial security and piece of mind to families covered by high deductible health insurance plans.  In addition to voluntary coverages such as life, dental, vision and disability insurance, many new opportunities now exist in the workplace insurance marketplace.

Medicare Transition Planning

At The Gremel Group, we believe it is critical to provide our clients with the tools necessary to make informed, empowered decisions across the full spectrum of health insurance options — regardless of age or circumstances.

For those turning 65, health insurance coverage that coordinates with Medicare is essential.  The Medicare system most likely is an unfamiliar option, and it can be confusing.

Consequently, in 2025, The Gremel Group expanded our long-term relationship with Platinum Benefits Advisors, a Michigan-based leader in Medicare and Individual Health Insurance consulting services.  Our expanded collaborative partnership enables us to best leverage Platinum Benefit’s collective production power to negotiate the most advantageous carrier contracts and competitive rates while delivering best-in-class services for our clients. 

Furthermore, for those Gremel Group clients who have enjoyed working with our former team member, Tia Huyser-Nielsen, they can continue doing so, as Tia transitioned to Platinum Benefit Advisors as part of this strategic alliance.  While Tia provides personalized, one-on-one guidance, she is supported by the experienced team at Platinum Benefit Advisors, ensuring clients always have access to the resources, expertise, and long-term support they deserve.

Feel free to give us a call (616-874-2200) to set up an appointment with Platinum Benefits or connect using this https://form.jotform.com/261605003254041 .

For our Gremel Group clients interested in hosting Medicare seminars, webinars, or 1:1 sessions for team members nearing the 65 year eligibility window, feel free to call us directly (616-874-2200) and we will make the arrangements for you.  Also, feel free to share our Medicare Made Simple guide with your team members. 

Section 125 Plans—Flexible Spending Accounts

In today’s business world, employee contributions towards group insurance premiums is the norm not the exception.  The Gremel Group helps its clients develop compliant, tax favored programs that will lessen the financial pain of these payroll deductions.  Documentation and record keeping are essential whether choosing an outside administrator or a self-service approach.

Wellness Programs

According to Healthcare.gov, these are defined as programs intended to improve and promote health and fitness that’s usually offered through the work place, although insurance plans can offer them directly to their enrollees. A wellness program allows employers or plans to offer premium discounts, cash rewards, gym memberships, and other incentives to participate. Some examples of wellness programs include smoking cessation, diabetes management programs, weight loss programs, and preventative health screenings.

Life Settlements

Life Settlements allow individual and business policy owners to sell unwanted or unaffordable life insurance policies for a lump sum that is much higher than the cash surrender value.  This transforms an illiquid dormant asset into vital cash that can be redirected into better financial use.  The Gremel Group has close relationships with multiple parties in the settlement market and we can offer advanced planning that meets the challenges involved in unique business and estate planning situations.

Commercial Insurance

Looking for commercial insurance, like Workers Compensation, Business Owners insurance, Auto/Fleet, Cyber and Commercial Liability?

For more than 40 years The Gremel Group has worked closely with the professionals at Glenn Morris and Associates to coordinate our clients’ insurance programs to meet their varying individual and commercial needs. We welcome the opportunity to help you coordinate your personal and commercial liability needs, or feel free to visit their website or call (616) 361-3400. Our Belmont and Grand Haven offices are located next to each other.