Benefits Programs

Benefits Programs

When it comes to employee healthcare and benefits, we view the world differently. We put employee health first. We work with our clients to uncover their unique healthcare needs, opportunities, and pain points, with the ultimate goal to lower costs and improve the quality of care for employees. Our innovative thinking means we challenge the current healthcare status quo and reset a company's health plan to align with its priorities, goals, and values.

Fully Insured Insurance

Fully Insured

This is the traditional model where the employer pays a fixed monthly premium based on employee enrollment to an insurance carrier for medical coverage. In return, the insurance carrier pays claims and manages plan benefits. At the end of the plan year, the employer faces a renewal with an increase in premiums determined by the claims paid and premiums collected from that year.

Self Insured Insurance

Self-Insured

In self-insured plans, employers pay two types of costs: fixed costs and expected claims. The fixed costs are the regular monthly fees that are necessary for management of the program and paid to the third-party administrator. These costs are based on plan enrollment and cover things like: claims administration, online portal access, pharmacy benefit management integration, and case and utilization management. The other part paid for this coverage is the expected claims. Employers pay claims as they occur up to the specific deductible at which point the stop loss coverage kicks in and reimburses the employer the cost of those claims in excess of an individual's specific deductible. At the end of the plan year, the employer keeps those budgeted for but unused funds and can allocate them for employee.

Captive Solutions Insurance

Captive Solution

There is power in numbers. Captive solutions comprise a group of self-insured companies. Together, the group lowers costs and addresses risks while still maintaining control. Groups can be made up of businesses from the same or different industries, making this an appealing option for smaller organizations.


Health insurance is expensive. You should have options. Our insurance advisor will work together with you to discuss your available options so that you can make a fully informed decision about what works best for your company and its employees.

Most companies offer short- or long-term disability options to their employees. That being said, either the employee or the company can fund it. Talk to an advisor about your options.

That depends. Self-insured plans, fully insured plans, and captive insurance are all great options. Schedule a consultation with an insurance advisor to learn the benefits of and differences between each type to make a determination.

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Other Types of Insurance

Your company works hard, so insurance should come easy. Let Conner Insurance work with you to develop your benefits program, commercial insurance, and other types of insurance coverage. Together we’ll create a comprehensive program that works for your business.

Serving Indiana and Beyond

Protect your employees, customers, and your business with Conner Insurance. We cover Carmel, Westfield, Fishers, Indianapolis, and Brownsburg, and the entire state of Indiana. Don't live in Indiana? We can write policies in all 50 U.S. states. In addition to benefits, we also offer commercial insurance, consulting, and personal insurance policies. Contact us at (317) 808-7711 to speak to an insurance advisor.

Benefits Team

Ben Conner Conner Insurance

Ben Conner

Chief Executive Officer

Jeff Fox Conner Insurance

Jeff Fox

Benefits Advisor
Diana Miller Conner Insurance

Diana Miller

Benefits Advisor

Ryan Spencer Conner Insurance

Ryan Spencer

Advisor, Co-Founder City on a Hill Health

Eric Stump Conner Insurance

Eric Stump

Benefits and Individual Health Advisor

Laura Busick Conner Insurance

Laura Busick

Senior Account Manager

Ricki Hancart Conner Insurance

Ricki Hancart

Benefits Advisor

Kyra Bowman Conner Insurance

Kyra Bowman

Account Manager

Stephanie Creech Conner Insurance

Stephanie Creech

Account Manager

Mary Hedrick Conner Insurance

Mary Hedrick

Account Manager

Stephanie Creech Conner Insurance

Karen Zmikly

Account Manager


What People Say

Conner Insurance has set the standard for superior guidance and exceptional service for more than 70 years.

Samantha Contreras

Life Science Innovations

The Conner team is great to work with. They are knowledgeable, provide solid advice and are a very favorable partnership. They are the perfect extension to our team.

Erik Cooper

CRF Affordable Housing, Inc.

We finally found a health insurance partner that we trust and that goes to bat for our company.

Jessica Lahr

Pathfinder Services

Ben and his team are very knowledgeable. They listen to what we want and make it happen. They are great!


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