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© 2020 Joe Costa & Associates

employee benefits


Creating value through employee benefits which enable employers to attract top talent, retain key personnel and extend a foundation on which a company can grow.  Much can be accomplished through a successful employee benefits plan, and most employers haven’t experienced the full potential of employee benefits.

We pride ourselves on being independent and family owned.  We don’t report to shareholders, a bank or a network of other brokers.  Instead, we work for our clients…period. Our independence allows us to be flexible and nimble, to navigate the ever-changing insurance market and focus our attention on bringing new values to our clients which directly address their needs and long-term goals. 

JCA works with all of the major carriers in our market for medical and ancillary coverages, and we also work with carriers, you may know be familiar with yet provide unique solutions.  Rather than tell YOU what YOU’RE going to do, our approach is to listen to you, your needs, your goals and bring solutions that will work for you.

additional services & partner relationships

In today’s market, it takes more than just insurance policies to make an effective employee benefit strategy.  There are a variety of additional services and partner relationships that we can utilize to make your employee benefits plan far more effective:

  • HR Support

  • Payroll Services and Benefits Integration

  • HRIS

  • Virtual Medicine/TeleMedicine

  • Wellness Plans

  • HSAs

  • FSAs

  • HRAs

  • Section 125 (pre-tax or premium only) plans

  • Worksite Services