Employee Benefits

Balancing your employees’ needs and your bottom line can be tough. Our employee benefits specialists are here to help you navigate. From analyzing claims and reducing costs to educating employees on health care plans, our team has the answers and expertise you need so you can focus on your business. Simply put, we’re experts in group health plans so you don’t have to be.

We offer comprehensive service, from planning to enrollment including:

  • Plan implementation
  • Claims data analysis
  • Education, training and communication tools
  • Enrollment tools
  • And more

Situational Analysis

Get peace of mind from data-based decisions. To select the right plan and provider, you need an accurate idea of your complete employee benefits cost. We factor in your internal resources, industry compliance needs, healthcare cost trends and more to give you a thorough analysis. Using that data, we evaluate, negotiate and recommended the best combination of coverage and pricing for your employees.

Cost Management Tools

Save time, money and frustration. What happens once your plan is in place? We recommend a proactive approach to help keep costs in check. From workplace wellness programs to analyzing claims data, we can guide you through a variety of measures that help combat rising costs.

Value-Added Services

Expand your team without adding personnel. Our HR tools can help increase your existing team’s capacity. Our employee seminars are designed to help educate employees, promote health care consumerism, and reduce expenses. They also provide an atmosphere for team building. Together, we can determine the topics that best suit your needs. We also can also provide you with educational articles and newsletters to keep you informed of hot benefits and HR-related topics.

Compliance Resources

Improve productivity & the bottom line. OSHA and safety culture support can help reduce premiums and keep your workplace running smoothly and safely.

Workplace Wellness

Increase employee productivity and reduce healthcare costs. We can build a customized a wellness campaign specific to your company and employee needs. Through our online services, we can provide payroll stuffers, posters, employee newsletters and educational flyers on health and more.

AOL offers customized levels of support that meets your needs and budget—from training your team to complete benefits administration on your behalf. Let us show you how the right partner can support employee recruitment and retention efforts, keep healthcare costs in check and streamline the entire benefits process. Contact us today for a free assessment

“We would just like to thank Andres O’neil & Lowe for helping us find insurance on a property we just acquired in Florida. We have been a customer for quite a while, since they took over Cincinnati Insurance from our previous insurance agent, DeFord Schwall. We called, and they said they didn’t insure properties in Florida. I contacted Melinda Robinson, and she said she had contacts in Florida, and would talk to an agent she has worked with in the past for other customers in Archbold, with Florida properties. After multiple phone calls and emails, we got coverage in Florida, and felt extremely confident that the Florida agent would take good care of us, based on Melinda’s recommendation. It is truly comforting knowing that your insurance agent is willing to go above and beyond the call of duty! Thank you Melinda, and Andres O’Neil & Lowe.”

Randy and Sandy Stuckey