In today's market, there is an array of medical and prescription drug benefit options available to employers of all sizes. What option works best for any employer depends on their unique business model. ECA has expertise in offering solutions using the following medical benefit structures:

• Indemnity
• Preferred Provider Organizations (PPO)
• Health Maintenance Organizations (HMO)
• Health Savings Accounts (HSA)

Additionally, and regardless of the benefit structure chosen, ECA works with numerous funding mechanisms that are directed at meeting the financial and risk retention and transfer desires of our clients. These funding mechanisms include conventional insurance, partially self-funded programs, public entity pools or captive insurance arrangements.

	"The service ECA provides is consistently above and beyond that of any other consultant I've worked with".
	- Jaime Schulenberg, Risk Manager Lake Havasu City