Business Details
40 Years
experience
Trusted Health Insurance and Employee Benefits Solutions
Benefit Solutions has been a trusted leader in health insurance and employee benefits since 1986. Our team of experts specializes in representing clients rather than insurance companies, ensuring their interests come first. We provide compliance support, rate analysis, and customer service to brokers, major corporations, small businesses, and individuals. With decades of experience, we offer access to diverse plans from top-rated providers while maintaining a client-centric approach. Our representatives are recognized authorities in healthcare legislative reforms, advocating for clients in Trenton, NJ, and Washington, DC.We pride ourselves on delivering creative, cost-effective solutions tailored to evolving market needs. Our services include group health insurance, dental, vision, life insurance, and specialized programs like COBRA and health reimbursement arrangements. As the 'Broker's Broker,' we empower independent agents with the freedom to choose optimal plans for their clients. Our leadership team brings extensive industry knowledge, having served Fortune 500 companies and local associations. We remain committed to transparency, ethical practices, and staying ahead of regulatory changes to serve our clients effectively.
Services
Group Health Insurance
Medicare Supplement
COBRA Administration
Dental Plans
Life Insurance
Long Term Disability
Health Reimbursement Arrangements
Flexible Spending Accounts
Details
- Year established: 1986
Highlights and features
- We have over 35 years of experience in health insurance and employee benefits.
- Our brokers represent clients, not insurance companies.
- We offer compliance support and rate analysis for brokers.
- We provide access to plans from multiple top-rated insurers.
- Our team advocates for clients in state and federal legislative reforms.
Services
Group Health Insurance
We design customized group health insurance plans for businesses of all sizes. Our brokers analyze compliance requirements and negotiate rates with top-rated carriers to ensure cost-effective coverage. Clients benefit from tailored solutions that meet evolving workforce needs while adhering to federal and state regulations.
Medicare Supplement
Our Medicare Supplement policies help individuals fill gaps in government coverage. We offer plans that cover deductibles, copayments, and extended benefits. Brokers receive support in explaining options to clients while ensuring compliance with insurance carrier requirements.
COBRA Administration
We manage COBRA compliance for employers, ensuring proper notification and enrollment processes. Our team handles administrative tasks for businesses with 2-19 employees, providing NJ Continuation and federal COBRA solutions. Clients receive clear guidance on maintaining coverage during transitions.
Flexible Spending Accounts
We implement Section 125 plans that reduce taxable income for employees while covering medical expenses. Our brokers assist businesses in structuring premium-only plans and health reimbursement arrangements. Employers benefit from cost-effective benefits that enhance employee satisfaction.
Life Insurance
We offer term and permanent life insurance solutions for individuals and businesses. Our brokers provide options from multiple carriers to meet diverse needs. Clients receive expert advice on coverage amounts, policy features, and tax implications for personal or corporate use.
People
Gary V. Cupo
President/CEO
Gary Cupo has worked in insurance since 1973, specializing in small employer health reform. He represents clients as a consultant for Fortune 500 companies and national associations. A recognized speaker and media commentator, he founded Benefit Solutions as the 'Broker's Broker.'
Tony Principato
Vice President
Tony Principato supports brokers with compliance and rate analysis for health insurance plans. He brings extensive experience in navigating state and federal regulations for employer-sponsored coverage.
Christina Weisberg
Account Executive
Christina Weisberg assists clients with group and individual insurance solutions. She provides personalized support for businesses seeking compliant, cost-effective benefit packages.
Melissa Mondare
Account Executive
Melissa Mondare specializes in connecting clients with appropriate health and disability insurance options. She focuses on matching coverage to individual and business needs.
Tina Pergola
Account Analyst
Tina Pergola analyzes insurance plans and compliance requirements to support brokers and clients. She ensures accurate implementation of benefit programs.
Questions
What services does Benefit Solutions offer?
We provide group health insurance, Medicare supplements, COBRA administration, dental plans, life insurance, and flexible spending accounts for businesses and individuals.
Do you work with small businesses?
Yes, we specialize in solutions for small employers, including compliance with state continuation coverage requirements and cost-effective group plans.
Are you affiliated with insurance companies?
No, we operate as independent brokers representing clients, not insurers, to ensure unbiased plan selection.
Do you serve areas outside New Jersey?
While based in New Jersey, we provide services to clients across the Northeast and nationally through our carrier partnerships.
How do you help insurance brokers?
We offer compliance support, rate analysis, and access to multiple carriers, allowing brokers to focus on client relationships.
What experience does your team have?
Our team includes brokers with decades of experience in health reform, serving Fortune 500 companies, trade associations, and local businesses since 1986.
