Business Details
28 Years
experience
Trusted Insurance & Benefits Solutions for Businesses
Founded in 1998, Four Square has established itself as a trusted partner for businesses, organizations, and individuals seeking comprehensive insurance and benefits solutions. Our mission is to simplify the complexities of insurance selection, benefits administration, and compliance through a client-centric approach. With decades of combined expertise, we specialize in crafting customized strategies that align with evolving regulatory landscapes while prioritizing cost efficiency and employee satisfaction. Our team of seasoned professionals leverages deep industry knowledge to deliver tailored health, dental, vision, life, and disability insurance packages, alongside strategic planning and compliance support. By maintaining a relentless focus on client needs, we ensure businesses maximize their return on investment while mitigating risks.Our commitment to excellence is reflected in our 98% client retention rate and recognition as a top health and life insurance agency in Maryland. We stay ahead of market trends to provide actionable insights, from navigating healthcare exchanges to implementing telemedicine solutions. Our strategic partnerships with leading carriers guarantee access to competitive, financially sound coverage options. Through continuous education and personalized service, we empower clients to make informed decisions that align with their long-term goals. Whether supporting small businesses or large enterprises, Four Square remains dedicated to fostering trust, transparency, and enduring relationships.
Services
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Medicare Supplement
Voluntary Benefits
Strategic Planning
Compliance Management
Telemedicine Services
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of experience in insurance and HR management.
- Our customized approach meets specific client needs in the Mid-Atlantic.
- We handle compliance with ACA, DOL, and ERISA regulations.
- Our 98% client retention rate reflects enduring trust and satisfaction.
- We provide 24/7 telemedicine access for employee healthcare needs.
Services
Health Insurance
We provide comprehensive health insurance solutions tailored to businesses and individuals, ensuring access to quality care while managing costs. Our team partners with leading carriers to offer flexible plans that meet diverse needs. By analyzing market trends and client requirements, we design coverage options that balance affordability and robust benefits.
Life Insurance
Our life insurance services help clients secure their loved ones' financial future through term and permanent policies. We guide individuals and employers in selecting coverage that aligns with long-term goals. By simplifying the underwriting process, we ensure clients receive competitive rates and personalized policy recommendations.
Strategic Planning
We develop strategic benefits plans that align with corporate objectives, optimizing employee retention and compliance. Our approach integrates market analysis, budget considerations, and workforce demographics. Regular reviews ensure strategies adapt to regulatory changes and evolving business needs.
Compliance Management
We ensure adherence to ACA, ERISA, and DOL regulations through proactive compliance management. Our services include reporting, documentation, and employee communication tools. By mitigating legal risks, we help businesses avoid penalties and maintain operational continuity.
Telemedicine Services
Our telemedicine solutions offer 24/7 access to board-certified physicians and health coaches, improving employee healthcare accessibility. This service reduces costs through virtual consultations and preventive care guidance. We integrate telemedicine into benefits packages to enhance overall wellness and satisfaction.
People
Joni A. Waldych
Principal
With 25+ years in insurance and HR, Joni founded Four Square in 2003 after leadership roles in banking and PEOs. Certified as a Benefit Consultant, she specializes in strategic benefits solutions and compliance. Her expertise has earned recognition in Insurance Business America.
Lynn A. Creasy
Vice President
Lynn joined Four Square in 2006, bringing 22 years of banking experience. She specializes in group and individual insurance across Maryland, Delaware, and Virginia. An active community leader, she holds an Executive MBA and focuses on client-centric benefits strategies.
Allie Mesisco
Client Advisor
Allie rejoins Four Square with expertise in customer service and benefits administration. She specializes in enrollment, billing, and claims support, ensuring seamless client experiences. Her organizational skills enhance our team's ability to deliver personalized service.
Questions
What benefits does partnering with Four Square offer?
We represent clients, not insurers, providing unbiased solutions tailored to your needs through comprehensive research and customized proposals.
How do you determine the best insurance options?
We listen to your goals, analyze market trends, and present comparisons to help you make informed, cost-effective decisions.
Can small businesses outsource benefits management?
Yes. We act as your benefits administrator, offering portal access, helpline support, and end-to-end management of billing and claims.
What sets Four Square apart from competitors?
Our integrity, responsiveness, and long-term commitment ensure continuous support beyond initial sales presentations.
Do I need to shop insurance if using Four Square?
No. Our proposals include competitive comparisons, eliminating the need for independent shopping while ensuring optimal coverage.
