LBA utilizes a systematic approach – first determining your budget, and then working diligently to find the best solutions for your benefit dollars.  We leverage 30 years in the industry to help you navigate through all carrier and options available, and ultimately customize benefit packages to fit your fiscal objectives without compromising employees’ and members’ needs.

LBA partners Keith Demty and Bob Dumais have worked with and represented more than 1/2 of the municipalities and school districts in Rhode Island, several Health & Welfare collective bargaining units, and also supports small employers with less than ten employees.

We provide guidance to ensure compliance with the Affordable Care Act, ERISA, and other regulations, and our underwriting expertise and ability to analyze detailed claims data are invaluable in achieving the best benefits available for your health care dollars.

When selecting LBA, you work directly with the principals - data-driven health plan leaders who know that data is only useful when it’s combined with seasoned analysis. We never provide cookie-cutter recommendations, but passionately seek specific improvements and efficiency measures you can truly achieve.