Your Benefits Knowing how your benefits compare to the competitions, can help bolster your employee recruitment and retention efforts. Bern and Pugh can provide comprehensive benchmarking analysis on all facets of benefit plan design and contribution levels.

Benefits Administration

Through our relationship with several benefits Plan administers throughout Montana and the Northwest. Bern & Pugh, Inc. has access to cost effective, seamless service providers to help manage your benefit administration services. We’ll work with your organization to determine outsourcing solutions that work.


Your Bern & Pugh producers will keep you up to date on the latest trends and regulatory news affecting your benefit programs. Our team continuously monitors regulatory issues and relays that information to clients.

Group Benefits and Design

In today’s rapidly changing world of employee benefits, your organization needs a dedicated team of professionals to interpret and represent your interests.

Group Insurance Products

Bern & Pugh, Inc. and its professionals provide expert analysis for all group insurance products. We will help identify issues, analyze options and implement timely resolutions to provide employees with sufficient time for open enrollment. Project time lines and action plans keep communications open and everyone on track.


As you approach your retirement and Medicare eligibility, it’s important to take the right steps to get the comprehensive Medicare coverage you need.

Medicare is a federal program that began in 1965 to provide health insurance for older Americans. Today, Medicare covers more than 44 million people age 65 and over and those with certain disabilities. Medicare has provided converges for health care such as skilled nursing facilities, doctor’s visits, and hospital stays. In 2003 with the Medicare Prescription Drug, Improvement, and Modernization Act, Medicare also provides prescription drug coverage and additional health plan options.

Why do you need additional coverage?

Original Medicare does not pay all of your health care expenses. There are deductible and coinsurance you must pay when you receive health care services. Original Medicare also does not cover routine physicals, eye exams or outpatient prescription drugs. Your out-of-pocket expenses for these “coverage gaps” can add up quickly.

Fortunately, you have options to consider that can help with these extra costs. To learn about Medicare Supplement Plans and other options available to people with Medicare, contact us.

Request An Appointment

Need more information? Ready to request a consultation? Contact us now.