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About Us

Full Spectrum Benefits will continuously deliver PROACTIVE, STRATEGIC SOLUTIONS to our clients and be recognized for our THOUGHT LEADERSHIP by all STAKEHOLDERS which includes, but is not limited to: Clients, Vendors and Covered Members.

Our goal is to deliver benefits differently…we do and we will continue to do so. We are intensely focused on our clients and we challenge ourselves to provide our clients with the insights necessary to make critical business decisions. We provide strategic guidance from an independent and unbiased perspective, working with you as a consultant, as your broker or in collaboration with your broker. Our team works as an extension of your HR and financial team to get a thorough understanding of your business models, internal processes, objectives, daily realities, unique attributes and preferences. Only then can we deliver a customized approach to build a sustainable employee benefits program that enables you to be a leading employer in the new landscape.

Our Services
Services We Deploy

We help you in the process of establishing, maintaining, and managing benefits for the employees of an organization. Employee benefits typically include medical insurance, pension plans, individual retirement accounts (IRAs), vacation time, sick time, and maternity leave. »
At Full Spectrum Beneifits we've used our vast experience in the industry to become leading experts in what works and what doesn't in today's challenging and ever-changing environment of benefits administration. »
Many factors can affect your employees’ ability to perform at their peak, which in turn can affect your organization’s bottom line. To address these challenges, you need an experienced partner to help you create a comprehensive, effective programme that addresses every aspect of employee health and wellbeing. »
Compliance Support Service has been developed to help employee benefits consultants assist their clients in addressing the most important compliance issues employers face. »
Analysis gives you the information needed to learn why claims might be unusually high or why employees don’t use their preventive health benefits. With analysis, you can turn data into actionable information and develop solutions to align with your organization’s goals. »
Engaged employees are highly motivated, providing a valuable, productive and cost-effective service. They make an extra effort or ‘go the extra mile’, making a measurable difference to our results and the value perceived by our customers. »
The Patient Protection and Affordable Care Act (PPACA), also popularly referred to as “Obamacare” or “Healthcare Reform,” or simply “Affordable Care Act” (ACA), represents the most significant government expansion and regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965. We are here to answer all your questions and issues related to thes regulations. »
Increasing healthcare complexity, HR managers also now wear another hat; they’re forced to serve as the go-to experts to answer critical and personal questions about their employees’ benefits and medical coverage. At Full Spectrum Benefits we are here to act as employee advocates while resolving benefits or insurance-related matters without involving internal HR resources. »

A Sampling of the Products We Provide

Happy Clients
Who is Using Our Business Solutions

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.”

Business Owner Staffing Firm, New England

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.”

V.P. of Finance, Manufacturing Company, Haverhill, MA

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.”

V.P. of Human Resources Consulting Company, New York City

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.”

V.P. of Operations High-tech Company, MASSACHUSETTS

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