Flores & Associates

In 2013, United Benefit Advisors released the results of the most extensive health plan benchmarking survey in the United States. According to the findings, consumer-directed health plans (CDHP) helped a number of organizations reduce their health insurance premiums. Additionally, CDHPs offer employees an avenue to either save for retirement or offset the expense of treatment through a pre-tax account. Integrating any health plan with a consumer-driven account benefits organizations and employees looking to rein in their healthcare costs.

Flores & Associates, based in Charlotte, North Carolina has emerged as a market leader in CDHP reimbursement programs with its dedicated account manager service model and an innovative proprietary technology platform. The platform is integrated with a mobile app, web portal, IVR, and SMS support tools to offer a smooth front-end experience to client companies.

With a footprint in almost every state in the US, Flores & Associates is a third-party administrator offering CDHP services, COBRA administration, direct billing services, and FMLA administration through employee benefits brokers. The company uses these brokers as the main distribution channel to instil trust among end clients.

Focused on strengthening the relationship with the employee-benefit brokers, Flores & Associates operates via a team of efficient COBRA-certified account managers.

The company’s expertise in COBRA and CDHP Services reduces the burden of employers by offering top quality service which include internal quality assurance audits of plan activity, and proactive notifications when potential irregularities are detected. The assigned account manager uses the company’s proprietary, fully-integrated platform to manage all the requirements of brokers, clients, and the clients’ employees.

Focusing on strengthening the relationship with the employee-benefit brokers, Flores & Associates operates via a team of efficient account managers who are all COBRA-certified

Flores & Associates boosts employee performance through its rigorous employee training program. The organization recruits both college graduates and experienced candidates, then trains them during a six-month certification program. The training, while focusing on COBRA and FSA administration, is devoted to equipping employees with knowledge of the company’s internal processes and the systems it has developed for over 30 years. Nearly 25 percent of Flores & Associates’ workforce has more than ten years of experience, while the CEO has over three decades of expertise in leadership.

In one of many notable, real-world examples, Flores & Associates helped a national financial institution that was facing significant service issues with their current retiree billing provider in 2013. In addition to fixing their retiree billing program Flores also administered their HRA program. After a change to a new HRA administrator in 2016, as required by their new Medical plan, the institution once again approached Flores & Associates in 2019 as they struggled to receive good service from the HRA administrator during the three year hiatus. Since then, their trust in Flores & Associates has only increased as demonstrated by adding more services such as COBRA administration. This customer interaction is one of the many examples that highlight why the dedicated account manager service model of Flores & Associates truly differentiates them from their competitors.