Employee Benefits

SMA Values

Serving Customers with Integrity and Excellence Since 1912

For years, Skelton-Morris Associates has been providing insurance and employee benefits consulting services to the business community. Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable services and technology based solutions. Our goal is to achieve a long-term relationship focused on bringing value to your employee benefits management and insurance programs.

We are dedicated to utilizing our collective talent to support your insurance goals. Our staff of experienced professionals can develop benefits programs that make sense for your company and your employees. We have specialists in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy.

Service Advantage

Serving Customers with Integrity and Excellence Since 1912 At SMA, we create insurance solutions utilizing a wide range of value based services, delivering you multi-dimensional custom advantages to meet and exceed your strategic goals.

  • Strategic Planning
  • Actuarial Services
  • Health Care Reform Guidance
  • Legislative Briefs
  • Custom Benefit Communications
  • Pharmacy Benefit Services
  • Benefit Plan Analysi
  • Human Resources Tools
  • Client Portals
  • Benchmarking
  • Health & Wellness Newsletters
  • Retirement Plan Support
  • Education & Training
  • Provider Network Discount Analysis
  • Employee Satisfaction Surveys
  • Customized Total Benefit Statements
  • Medical Management Services
  • Compliance Services
  • Open Enrollment Management and Fulfillment
  • Escalated Claims Resolution
  • Member Advocacy Services

Technology Advantage

Serving Customers with Integrity and Excellence Since 1912 With leading – edge technology, provided by SMA, you will be well positioned to focus on strategic activity with enhanced critical decision tools. Providing 24/7 access, these powerful benefit management tools allows internet access to information and resources designed to streamline your everyday work tasks.

  • Client Community Portal
  • HR Connection
  • MyWave Portal®
  • MyWave Rx®
  • Resource Library


Serving Customers with Integrity and Excellence Since 1912 The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages, balancing employee needs with your capabilities and bottom line has become ever more challenging. Helping you meet these divergent objectives is our specialty. Skelton-Morris Associates offers an entire suite of employee benefit options. Working together we can craft and implement the right benefit plan, advancing your benefit programs to new heights in quality and performance on an economically priced basis.

  • Group medical
  • Group life
  • Group disability (short-term and long-term)
  • Dental insurance
  • Vision coverage
  • Flex spending accounts
  • Health savings accounts
  • Long-term care
  • Ancillary benefits
  • Self funded programs
  • Voluntary Benefits
  • Health, Wellness, Disease Management Programs
  • Employee Assistance Programs