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Choosing an Insurance Broker: Traditional vs. Technology-Backed Brokers

Am I getting the most out of my Insurance Benefits?

Traditionally, insurance brokers have only focused on offering insurance guidance, which includes tasks like quoting plans, negotiating renewals, comparing plans and submitting applications. Over the past few years, though, health care reform has shaken the industry. As health care costs continue to rise and more regulatory requirements are placed on employers, the need for a broker who can engage employees and leverage technology to streamline administrative tasks has increased.

What is an Insurance Broker?

Insurance brokers help you through every step of your insurance, including choosing the right insurance plans, explaining your health benefits, and paying an affordable price for those benefits.

Do I need an Insurance Broker? The answer is yes.

That’s where can help. gives you the expert guidance that makes the benefits selection, implementation and analysis process smoother. Health insurance brokers like NYSmallHealth can help you navigate the complicated process of health insurance. Plus, we are technology-backed and can offer you our HR online tool, HRconnection®, to make the benefits administration process more efficient. We also make sure you have access to a live person who is an expert in HR when you opt for our HR Hotline. Our insurance experiences helps all of our clients find the best plans, with great benefits that are affordable.

Is your current broker a trusted advisor who can offer expert help and technology to help make benefits administration easier? If not, it’s time to take a look at what you’re getting. With traditional health insurance brokers, you won’t receive the benefits support, employee communications, and personalized service that can provide. offers HRconnection®, a powerful employee communication portal that helps boost productivity and cost savings by providing a simplified intuitive benefits enrollment process and a modern user interface through which employees can help themselves to HR and benefits information online anytime—freeing up HR personnel to devote more time to strategic issues. Our experience in small businesses has allowed us to learn and evolve with the culture of the business, where we can now offer you the tools and guidance fit for your company. can provide you with content to meet your and your employees’ needs, and we give you access to MyWave® Connect, a content portal, where you can find answers to complex benefits and HR questions and resources 24/7. Need help with compliance? Want employee newsletters? Need articles explaining benefits or related topics? Want to start a wellness program or make benefits education fun with short videos for employees? Whatever you’re looking for, we can deliver content customized for you.

Health care reform can be overwhelming. There are countless rules and regulations governing employee benefit plans, many of which are complex. provides you with access to valuable resources like our Full-time Employer Tracker, Section 6055 and 6056 Reporting Workbooks, Cadillac Tax Calculator, and ACA Reporting Tool (which outputs completed IRS forms) to help you evaluate and avoid any potential penalties. These tools help save you time and allow you to focus on what’s really important—running your business. provides insightful HR articles, forms and communications, including access to a sample employee handbook to help defend against wrongful termination, discrimination and harassment claims. In addition, Carriage Trade Insurance Agency, Inc. offers an HR Hotline, which provides on-demand HR expertise. HR professionals, available by phone or email, are ready to answer your HR-related questions—helping take the questions out of benefits administration. is here for you year-round. Open enrollment is often the most challenging time of the year, but we don’t abandon you the other 11 months of the year. We help you choose the best benefits, guide you through the open enrollment process, and sit down with you to develop strategic plans for lowering costs due to health claims. We understand that benefits are more than just benefits—they’re an important recruitment and retention tool, and choosing the right ones will help you keep your employees happy. We also provide you with timely compliance information so you’re never left to struggle on your own. analyzes your benefits plan costs against reliable benchmark information, projects the impact of medical and dental plan changes, estimates your renewal costs and streamlines the plan selection process for your employees.

Traditional or Technology-Backed?

When you choose between and a traditional broker, consider what makes us different. Are you looking for a benefits expert who can provide the latest data procurement and analysis techniques, as well as legislative resources and technology that streamlines communications and human resources administration? Or are you looking to maintain the status quo? Our small business health insurance experts are ready to help you, 365 days a year.

If you’re looking for a trusted advisor who is technology-backed to meet your needs, contact today. 516.358.3612

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