Meridian Coverage Co. structures employer-sponsored health plans that reduce cost exposure, simplify administration, and give your employees genuine, reliable coverage — at scale.
We work with businesses of 10 to 5,000 employees — designing benefit structures that hold up under real-world use without overwhelming your HR team.
Every plan is structured with clear cost-sharing terms — no hidden administration fees or carrier mark-ups buried in the fine print. You see exactly what you are buying.
All plans satisfy ACA minimum essential coverage and minimum value standards. Our compliance team tracks regulatory changes so your policies never fall behind federal or state requirements.
Our 90-day renewal process removes the last-minute scramble. We benchmark your rates against the market, flag opportunities for savings, and deliver a ready-to-sign proposal on time, every year.
Track utilization, premium-to-claims ratios, and year-over-year trends through a secure employer portal. Data you can actually use for budget forecasting and workforce planning.
Offer employees choice without administrative complexity. We configure tiered plan structures — from high-deductible HSA-qualified plans to PPO and HMO options — within a single enrollment flow.
For employers ready to move beyond fully-insured plans, we structure level-funded and self-funded arrangements with appropriate stop-loss coverage to cap your financial exposure.
A structured, four-step process designed to respect your time and deliver a plan your team can stand behind.
We gather your employee census, current plan details, and claims history to establish a clear baseline before making any recommendations.
We solicit quotes across our carrier network, apply your specific risk profile, and surface the options that deliver the best value — not the highest commission.
You receive a side-by-side comparison of your top three to five options with plain-language summaries, projected costs, and a clear recommendation.
We coordinate with your HR team and the carrier on all paperwork, employee enrollment materials, and billing setup — and stay available through open enrollment.
These are the people who manage benefits day-to-day. Their feedback speaks to process as much as outcome.
"Switching to Meridian cut our per-employee premium cost by 11 percent in year one. The renewal process was the least stressful we have had in a decade."
"The claims analytics dashboard alone justified the move. We can now present the CFO with actual utilization data during budget season instead of estimates."
"We are a 45-person firm and felt underserved by larger brokers. Meridian gave us the same quality of analysis and service that our enterprise clients get from their consultants."
Tell us about your organization and we will prepare a market analysis within five business days — at no cost and with no commitment required.
Complete the form and a licensed benefits consultant will follow up within one business day.