Healthcare Products

Customized Healthcare

Smola Consulting offers a broad range of healthcare products, which are customized to fit the needs of your organization. Our in-depth analysis of your overall benefit program will help to determine the best possible solution that meets the needs of your organization's culture and budget, leaving you with a competitive advantage in maintaining quality employees and recruitment.

Now more than ever, it's crucial to have someone on your side to help you navigate through the ever changing healthcare marketplace

With so many options in the marketplace, it's important for you to make the best choices possible for both your organization and its employees. Smola Consulting can provide your employees with the benefits they need and deserve, while reducing costs.

Our healthcare products include medical and ancillary plans, prescription drug benefits, Marketplace Exchange plans, and financial services

We provide consultation on many medical plans. Both insured or self-funded, including; EPO, POS, PPO, HDHP/HSA, and Stop Loss. In conjunction with the medical plans, Smola Consulting offers both carve out and integrated prescription drug plans.

We make sure each product is carefully selected to suit your individual needs

In addition, we have been a licensed broker on the NY State of Health Marketplace Exchange since the Marketplace opened in 2013.  As a no-cost service, Smola Consulting can help individuals and small businesses understand their medical and dental insurance options on the Marketplace.

There are many tax advantaged plans offering advantages to employer and employee, including Health Reimbursement Accounts (HRA), Health Savings Accounts (HSA), and Flexible Spending Accounts (FSA). The options available for Flexible Spending Accounts and Health Reimbursement Accounts are varied and can be complex when coupled with a qualified HSA account. Smola Consulting is adept at unraveling the impact of each of these plans and how they can be offered in tandem.

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Healthcare Products

Medical Plans

Alternate Financial Arrangements
  • Community rated, minimum premium, retrospective, self-funded
  • Copay, hybrid or high deductible health plan (HDHP)
Stop Loss - Excess Liability
  • Specific individual & aggregate
Marketplace Exchange Plans on the NY State of Health
  • Individual
  • Small Business

Prescription Drug Products

  • Carve out
  • Integrated

Tax Advantaged Plans

Flexible Spending Account
  • Medical account - general purpose, limited purpose
  • Dependent care account
  • Transportation account
Health Reimbursement Account
  • Post-deductible or limited purpose
Health Savings Account


Lifestyle Spending Account

Get started on customizing your organization's healthcare

About Us

Smola Consulting is a full service benefit
and wellness consulting firm

Our mission

Our mission is to educate and consult with our clients to ensure that they are making the best benefit decisions possible

Contact Us


260 East Main Street, Suite 2400 Rochester, NY 14604