Adirondack Financial Services

Employment Benefits Services / Products

The mission of the AFS Employee Benefit Division is to become a trusted advisor to our clients by offering them creative solutions to their current and future needs as they relate to Employee Benefits. Our approach is strategic and proactive with a goal-oriented process that follows a three-year plan with annual measurements.


This type of service model truly differentiates us in that our clients’ medical renewals are not the “events” that they are with most brokers. Our approach is one of working on long-term goals on a year-round basis, and understanding and controlling the overall cost of benefits (premiums, deductibles, co-pays, cost of turnover, etc.) without compromising the plan features and benefits to the employees. This is done through proactive management and stewardship.


Our core services include:

  • Employee Benefits Consulting
  • RFP Management
  • Human Resource Consulting
  • Medicare Alternatives & Benefits Support
  • Employee Communication
  • Smoking Cessation Facilitation
  • Carrier Negotiations
  • Stop Loss Services
  • Medical Plan Design Alternatives
  • Ancillary Benefits Design
  • Claims Resolution
  • Pharmacy Benefit Management (PBM) & Evaluation
  • Cost Containment Strategies
  • Benefits & Wellness Fair Assistance
  • Self Funding Alternatives
  • Wellness Programs


Our core products include:

  • Medical Benefits
  • Vision Benefits
  • Cafeteria Plans
  • Life Insurance Benefits
  • Health Savings Accounts
  • Self Funded Programs:
    • Medical
    • Dental
    • Rx Drug
    • NYS DBL
  • Dental Benefits
  • Short & Long Term Disability Benefits
  • Flexible Spending Accounts
  • High Dollar Deductible Healthcare Plans
  • Healthcare Reimbursement Accounts
  • Voluntary Benefits:
    • Life
    • Cancer
    • Disability
    • Vision
    • Critical Illness


Investment Advisory Services  |  Qualified Retirement Plans  |  Employee Benefits  |  Client Directed Investment Services
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