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  Self-Funded vs. Fully Insured. What’s Best for You?  
Traditionally, a self-funded plan will be more cost effective than a fully-insured plan because many expenses associated with a fully-insured plan are eliminated and gains from better than expected claims experience belong to the plan and not the insurance company. In addition, groups with good experience do not subsidize those with bad experience. Learn more.  
  What Type of Disability Insurance Offers the Best Protection for your Company?  
Whether it be just short term, just long term or a combination of the two, we will work to ensure that you have the best coverage for your money. Learn more.  
    What is Disease Management?
It’s a new, innovative type of case management. While health care in general has always been reactive - providing care after illness occurs, Disease Management is uniquely proactive. It focuses attention and resources on those with health issues which, if addressed early, may not develop into more serious and costly conditions. Learn more.
    COBRA Compliance Issues
    Avoid the risk of daily fines from the Department of Labor and the Internal Revenue Service. We’ll handle the COBRA compliance issues so you can focus on your objectives as an employer. BAI will also issue Certificates of Credible Coverage according to HIPAA. Learn more.
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