Business Details
40 Years
experience
Your Trusted Insurance Partner in St. Michael, MN
EMEX Benefit Systems has been a trusted name in the insurance industry since 1986, providing comprehensive solutions for employers and individuals. Our team specializes in navigating the complexities of health, life, and Medicare insurance, ensuring clients receive tailored coverage that meets their unique needs. With over 25 years of experience, we prioritize personalized service, offering free advocacy and expert guidance to help businesses attract and retain talent through competitive benefits packages. Our commitment to transparency and client education sets us apart, as we operate with no hidden fees and a focus on long-term relationships.Located in Saint Michael, Minnesota, we serve clients across Minnesota and Wisconsin, combining local expertise with a deep understanding of national insurance trends. Our community involvement and partnerships with industry professionals further enhance our ability to deliver value-driven solutions. By staying ahead of regulatory changes and market shifts, we empower clients to make informed decisions that protect their financial security and well-being.
Services
Health Insurance
Life Insurance
Medicare Plans
Dental Insurance
Critical Illness Coverage
Travel Insurance
Disability Insurance
Employee Benefits Consulting
Short-Term Medical Insurance
Health Savings Accounts (HSAs)
Details
- Year established: 1986
Highlights and features
- We offer free advocacy and personalized insurance guidance with no additional costs.
- 25+ years of experience navigating health, life, and Medicare insurance complexities.
- Tailored solutions for employers to attract and retain top talent through benefits.
- Flexible consultation options via phone, online, in-person, or on-site meetings.
- Deep local and industry-specific knowledge to address unique client needs.
Associations and certifications
- MNsure
What people say
Personalized service
25+ years experience
Free advocacy
Clear explanations
Flexible options
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and employers. Our services include navigating MNsure exchanges, selecting HMO/PPO plans, and optimizing HSAs/HRAs. We help clients understand network restrictions, premium costs, and deductible options while ensuring compliance with ACA regulations. Our expertise extends to both on-exchange and off-exchange plans with carriers like HealthPartners and BluePlus.
Medicare Plans
Our Medicare specialists guide clients through Original Medicare enrollment, Supplement (Medigap) policies, and Advantage Plan selections. We analyze IRMAA income-related adjustments, Part D prescription coverage, and cost-sharing implications. With expertise in Minnesota-specific plans like UCare and Medica, we help seniors balance premium costs against out-of-pocket risks while avoiding common enrollment penalties.
Employee Benefits
We design customized benefits packages for businesses of all sizes, including self-funded plans, level-funded options, and traditional fully-insured models. Our services cover Section 125 cafeteria plans, ICHRA/QSEHRA implementation, and compliance documentation. We specialize in helping small businesses compete for talent through ancillary benefits like dental and disability coverage while maintaining cost control.
Life Insurance
We offer term and permanent life insurance solutions tailored to estate planning, business succession, and family protection needs. Our brokers compare policies across multiple carriers to find optimal coverage for clients with standard or complex health profiles, including those with pre-existing conditions or tobacco use, ensuring proper underwriting classification.
Travel Insurance
We provide comprehensive travel insurance solutions including medical coverage, emergency evacuation, and trip cancellation protection. Our offerings include HTH TripProtector, Medjet membership, and Global Rescue services. We educate clients on international coverage limitations of domestic policies and help select appropriate plans for short-term trips or long-term relocations.
People
Cory Wiest
President, Owner
Cory has 25+ years of insurance experience specializing in group plans and Medicare solutions. A Certified Benefit Consultant, he focuses on employer compliance and health savings account strategies while balancing family needs as a father of two.
Courtney Wiest
Vice President
Courtney brings 20+ years of business operations expertise from diverse industries including real estate and HVAC. Her background in marketing and HR helps small businesses navigate complex insurance landscapes while co-leading EMEX with her husband Cory.
Questions
What services does EMEX Benefit Systems offer?
We provide health, life, Medicare, dental, travel insurance, and employee benefits consulting for individuals and businesses across Minnesota and Wisconsin.
Do you charge fees for insurance consultations?
Our standard services are free for individuals and families as we're compensated by insurance carriers directly.
How can small businesses benefit from your services?
We help small businesses compete for talent through customized benefits packages, compliance support, and cost-control strategies tailored to their specific needs.
Are you MNsure-certified?
Yes, we're MNsure-certified brokers who can assist with exchange enrollment, tax credit calculations, and plan comparisons.
What makes EMEX different from other agencies?
We combine 25+ years of experience with personalized advocacy, offering free guidance and flexible consultation options while representing multiple carriers.
Do you work with out-of-state clients?
While based in Minnesota, we're licensed in multiple states and can assist with insurance needs across state lines.
Videos
Reviews (6)
Josh Schmidt
Apr 26, 2022
Report
These are wonderful and friendly people to work with and very knowledgeable about benefits, I highly recommend them!
Milestone Medicare
Apr 23, 2022
Report
EMEX has provided an exceptional level of support and expertise with employee benefits and health coverage. Its comforting knowing they are always available and have the depth of knowledge to answer questions. Thank you!
Renee Burns
Apr 22, 2022
Report
I highly recommend EMEX Benefits to anyone who is looking for Group or Individual health insurance. Cory and Courtney were extremely knowledgeable AND patient with me as I had many questions. Great company and even better people.
Isaac Sawyer
Apr 21, 2022
Report
Courtney and Cory are both two of the most genuine people you will ever meet. Professional, charismatic, and very knowledgeable about the industry!
John Pischke
Apr 14, 2022
Report
Besides being incredibly knowledgable and helpful with helping businesses with their benefit offerings, Cory and Courtney are simply awesome people to work with! With employee retention demanding more attention in today's workplace, EMEX will guide you through all the options and make sure you maximize your benefits package to get and retain your best employees. Highly recommended!
Academic All Star Tutoring
Apr 14, 2022
Report
Over the past year, I have had the pleasure to get to know the owners of EMEX. They are truly 100% invested in helping businesses getting great benefits for their employees. You will be in great hands with EMEX!
