Hettesheimer Insurance Agency Inc. & Associates are the Tri - State's fully funded - self insured experts! We are an independent, multiple lines insurance agency. HIA crafted the Gold Standard for group employee health care benefits. Our focus lies in identifying the root causes of employee health care cost. We embrace new solutions, technology and group insurance plans that reduce 30+% of costs for most employers with 10 or more employees. We increase employee engagement with the Lifestyle Risk Calculator. We motivate “behavior Change” health care management, incentivizing better health behaviors. We promote Johns Hopkins University, Cleveland Clinic vetted wellness plan. Our unique strategies are unrivaled in today's ever changing world of Health Care Reform. We deliver health care analytics/predictive modeling from Johns Hopkins University, with reporting on demand. Our health care supply chain processes benefit every 10+, self insured employer. Our clients' return on investment is ongoing and measurable. Our technology shows the effects of lifestyle choices and behaviors in the long term on health and personal wealth. The technology we implement delivers evidence of improved clinical and financial outcomes. Postponing and avoiding higher health care costs. We propose alternative funding; fully funded, no risk self insured group insurance plans, which is the future of group health benefits.