Business Details
38 Years
experience
Emergency
services
Employee Benefits Solutions Experts
Health Insurance Services has been a trusted partner in the employee benefits industry for over 35 years. We specialize in providing innovative group health strategies to benefits brokers and advisors, enabling them to expand their business and better serve complex employers. Our expertise spans retiree healthcare, pharmacy benefit management, and self-funded solutions, with a focus on reducing financial liabilities while improving member benefits. With offices in Detroit, Milwaukee, Austin, and Philadelphia, we offer nationwide support through a proprietary toolbox of market-leading products. Our team combines deep industry knowledge with personalized service, guiding clients through every stage from prospecting to implementation.We maintain partnerships with top-tier carriers and provide 24/7 support for retiree healthcare programs. Our proven track record includes successful implementations for organizations ranging from small businesses to large institutional employers. Through continuous innovation and client-centric approaches, we deliver tailored solutions that address contemporary healthcare challenges. Our commitment to transparency and ethical practices ensures long-term trust with both partners and end-users. This combination of experience, specialized expertise, and nationwide reach positions us as a leader in employee benefit solutions.
Services
Retiree Healthcare
Senior Health Plans
Pharmacy Management
Self-Funded Solutions
Group Medicare Plans
Direct Contracting
Reinsurance Strategies
Level-Funding Programs
Details
- Year established: 1988
Highlights and features
- We offer 35+ years of specialized expertise in employee benefit solutions
- Our nationwide network provides access to top-tier insurance carriers
- We implement proprietary strategies for retiree healthcare cost reduction
- Our team provides 24/7 support for critical healthcare programs
- We maintain partnerships with leading pharmacy benefit managers
What people say
Excellent solution
Unique products
Indispensable resource
Proven expertise
Cost-effective
Services
Retiree Healthcare
Our retiree healthcare solutions provide comprehensive coverage for organizations with 2-10,000 retirees. We offer both fully-insured and self-funded options that reduce employer costs while maintaining access to quality care. Our programs include Medicare supplemental plans, pharmacy carve-outs, and hybrid exchange models that adapt to evolving healthcare needs.
Pharmacy Management
Specialty pharmacy management services reduce drug costs by 72% on average through innovative sourcing strategies. We provide contract negotiations with major PBMs, international mail-order programs, and analytics to ensure compliance with carrier agreements while maintaining member satisfaction with $0 copays.
Premier Senior Health Plan
This unique group health plan offers guaranteed-issue Medicare supplemental coverage for small employers with members over 65. Features include portability, tax deductibility, and unrestricted access to any Medicare-accepting provider without health statements or underwriting requirements.
Self-Funded Solutions
Custom self-funding strategies help employers manage healthcare costs while maintaining benefit quality. Our solutions include defined contribution plans, reinsurance options, and pharmacy cost containment programs that have saved clients over $1 million annually through strategic contract renegotiations.
Direct Contracting
Direct contracting services connect employers with pharmacy benefit providers to create customized drug coverage solutions. These programs include voluntary international sourcing options and specialty drug management that defer costs to manufacturer programs while maintaining member access to critical medications.
People
George Molnar
CEO
Recognized expert in group retiree healthcare with 20+ years of leadership experience. Developed innovative strategies that reduce healthcare costs while improving employee wellness. Holds BA from Michigan State University.
Samuel Molnar
Director of Sales
Specializes in group retiree healthcare and pharmacy products. Holds Masters in Natural Resources. Combines healthcare expertise with community engagement through Detroit architecture tours and outdoor activities.
Henry Zaks
Co-Founder
Insurance industry veteran with 50+ years experience. Co-founded HIS in 1988 and built revenues to $150M annual premium. Served in US Army Korea, held leadership roles in charitable organizations.
Rebecca Molnar
Business Development Specialist
Former public school teacher with Masters in Educational Leadership. Brings educational expertise to healthcare solutions. Active in ceramics arts community in Austin, Texas.
Dan Oliver
Sales Consultant
30+ years employee benefits experience across carrier, TPA, and broker roles. Expert in specialty areas including retiree health plans and pharmacy risk mitigation. Active in Oklahoma City community sports programs.
Questions
What types of employers qualify for your group health plans?
We serve corporations, partnerships, government entities, and non-profits of all sizes with federal tax ID numbers.
Do you offer 24/7 support for retiree healthcare programs?
Yes, our phone lines are staffed by live personnel 24 hours a day, 365 days a year for retiree support.
How do your pharmacy cost containment programs work?
We use international sourcing, PBM negotiations, and specialty drug management to reduce pharmacy costs by up to 72%.
Can small businesses access your senior health plans?
Yes, our Premier Senior Health Plan is specifically designed for small employers with members over age 65.
What sets your self-funded solutions apart from competitors?
Our proprietary strategies combine reinsurance options, pharmacy management, and analytics to reduce costs while maintaining coverage quality.
How do you support benefits brokers and consultants?
We provide specialized tools, market access, and end-to-end support from proposal to implementation and ongoing service.
