Bowen, Miclette & Britt Insurance Agency, LLC

Our Products and Services

From a benefits perspective, we specialize in the Total Benefits Solution including quality employee service, optimal program pricing, employer compliance, and wellness initiatives. To achieve a successful program outcome, the BMB team works in conjunction with our clients in order to understand their unique culture and needs.

A brief summary of our services includes programs in the following areas:

  • Medical Plans
  • Dental Plans
  • Short Term Disability
  • Long Term Disability
  • Life/AD&D
  • Vision
  • Long Term Care
  • International Medical
  • Medical Benefits Abroad
  • Business Travel Accident
  • Section 125 Plans
  • Fully Insured Plans
  • Self-Funded Plans
  • Minimum Premium Plans
  • Employee Assistance Plans
  • Executive Reimbursement Plans
  • Mini-Med Plans
  • Ex-pat Plans
  • High Deductible Plans (HSA/HRA)
  • Worksite Benefits
  • 401-K Plans

An overview of services provided to clients and areas
of project concentration include the following:

  • Plan Design Analysis
  • Benefit Plan Marketing
  • Financial program review
  • Funding program evaluation
  • Geographic network analysis
  • Claims review and renewal projection
  • Claim reports and lag studies
  • Design and develop benefit/contribution strategies
  • Confidential employee service model
  • Customized communication receivables
  • Employer Surveys
  • RFP development based on client needs and goals.
  • Benefit design consulting by module
  • Claims experience evaluation
  • Carrier developments and outcome meeting
  • Cobra/HIPAA seminars
  • ERISA plan requirements
  • Plan cost negotiation
  • Contribution strategies
  • Carrier/vendor sourcing
  • Third Party Administrator (TPA) evaluation
  • Stop Loss contract review
  • Banking arrangements
  • Direct employee call center


  • Powerpoint ongoing enrollment and implementation
  • Customized employee communication brochures
  • Employee enrollment kits
  • Enrollment flyers
  • Direct enrollment assistance
  • On site enrollment meetings
  • Payroll Stuffers
  • Open Enrollment Meeting Posters
  • Open enrollment and new hire benefit packets
  • Pre-populated enrollment forms
  • Total Compensation Statements