Third Party Administration:

Medical, dental and flexible spending accounts

At C.L. Frates and Company, we serve single and multiple employer self-funded clients. We provide medical, dental and flexible spending account services to over 10,000 employees and their families and pay over $40-million in benefit claims annually.  

The Health Services unit is staffed and managed by professionals with extensive experience in healthcare and benefits administration. The team includes on on-site medical director and two registered nurse case managers. Each client is supported by a dedicated team with primary service executed by the Team Leader.

Excess Insurance Markets
A key component of any self-funded employee benefit program is access to quality excess insurance markets. The successful plan reflects a partnership of our clients, their excess, or stop-loss insurance company, and C.L. Frates and Company. Our reputation for integrity and innovation allows our clients access to the highest quality stop-loss insurers at competitive rates. Whether it is claim reimbursement, policy interpretation or value-added features such as transplant networks, we are your partner and advocate in maximizing the value gained from your excess coverage.