First there was HIPAA, then MA Healthcare Reform…and now the Affordable Care Act. All of these regulations make it a daunting task to become and remain compliant especially in our industry. We engaged with Full Spectrum because Bill and his team had the tools and processes to help us out. Bill delivered on everything he said he would…and when we were in panic mode he had no problem talking us off the edge. To get right to the point Bill makes it simple. He makes it simple for us as business owners and he makes it simple for those we cover as employees.”

We have been working with Bill Higgins exclusively since 2010. Prior to our partnership with Full Spectrum Benefits our organization never really spent much time on benefit decisions. We just assumed rates went up and we were at the mercy of the carriers and listened to our previous agent. When the costs increases just became too much for us to handle we knew we had to get creative and finally brought in Bill. In short order we were able to take advantage of his thought leadership, reduce our costs significantly and deliver a benefits package to employees that was actually BETTER than what we had in place. Over the last 5 years we have been able to maintain costs and employees love the fact that Bill and his team are available to answer questions at any time.”

Our team typically tries to avoid testimonials but Bill has been such an integral part of our business strategy for many years so we had to say something. In the past we never aligned our business strategy with a “benefits strategy” but it just made sense for us as we added staff both in the U.S. and Internationally. Bill has been with us from day one and has consistently delivered great service and SERVICES from our days with just 3 employees to our current count of several hundred employees. It is comforting to know he “has our back” when negotiating with vendors, launching an initiative or even educating employees on “what they have and why they have it.”

We are a high maintenance company…and we know it. Our C-Suite is high maintenance, our teams are high maintenance and our employees are high maintenance. We could not be happier with our selection of Full Spectrum as our benefits partner. When we went through the process of selecting a new broker we made it a point of contacting our in-force vendors and asking THEM what they thought about Bill. We figured all his references would be good, so why not call the carriers and see what they have to say. After speaking with our contacts (without Bill even knowing) we knew we had our new broker.”