• Local and National Plans
• Community-rated, experience-rated, and self-funded financial arrangements
• Medical Plan designs including:
  • HMO (Health Maintenance Organization)
  • PPO (Preferred Provider Organization)
  • POS (Point of Service)
• Tax-Favored Plans
  • Section 125
  • Section 105
  • Health Savings Accounts
  • Health Premium Deduction Accounts
  • Healthcare Reimbursement Accounts
• High Deductible Healthcare Plans
• Legislative Compliance
  We have the resources for compliance with federal and state requirements such as:
  • COBRA
  • 5500 Forms
  • Mandated Benefits, including Medicare Part D

Insurance products available through wholly-owned subsidiaries of First Niagara Financial Group, Inc. The obtaining of insurance through any member of the First Niagara Financial Group will not have any bearing on any existing or future transaction or relationship with First Niagara Bank or any other member of the First Niagara Financial Group.