Carl E. Mellen & Co.offers a full suite of employee benefit products and services.  For most companies, health coverage is the second largest expense, so it is critical to get the best performance from your program.  What made sense for your company two or three years ago may not make sense this year.  It is important to make an effort to move your coverage from time to time to ensure the best program is in place, and not fall into the year over year moderate increase renewal trap.

Healthcare premiums do not operate in a static environment.  It is a dynamic marketplace, and the products and carrier preferences can change as often every quarter.  Carrier renewal quotes are unpredictable, and they are consistently adjusting and creating products to best serve companies of all types and sizes.  Carl Mellen is committed to looking at all options and presenting the best plans available from a coverage and premium perspective.