About RBH Benefits, Inc.
Meet Your Trusted Employee Benefits Advisors
At RBH Benefits, Inc., we believe employers in Alabama deserve better answers, better service, and better health insurance options than they have been led to believe. For too long, many business owners have felt boxed in by rising costs, confusing plans, and the idea that they have to wait until renewal season to make a smart move. We know that is not true. Our job is to help employers reduce healthcare spending, understand their employee benefits options, and feel confident that their health plan is actually working the way it should. That mission has guided us since the beginning.
Our Story Started with a Simple Purpose
Our story goes back to 1993, when Barry Hamric got his insurance license while serving as the benefits coordinator for a local PEO, or Professional Employer Organization. From the very start, the work was never just about selling insurance. It was about helping clients reduce healthcare spending and finding efficient ways to navigate the healthcare and employee benefits system. That purpose still drives us today.
We have now spent more than three decades learning what works, what does not, and where employers often lose money without even realizing it. Over the years, one thing has become crystal clear to us: many employers think they have very limited options when it comes to health insurance, especially in Alabama.
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But that thinking is outdated. We are 26 years into the 21st century, and the market has changed for the better. There are more options available now than ever before. That is exactly why we do what we do. We know most employers have smarter options than what they are used to. We also know many small employers have been overlooked for far too long.
Why We Care So Much About the Small Group Market
The small group market in Alabama is extremely under-served, especially for employers with fewer than 100 employees and definitely those with 50 or fewer. That is a problem, because smaller businesses often feel the impact of healthcare costs more than anyone else. They do not have room for waste. They do not have time for confusion. And they absolutely should not be throwing big money down the well simply because no one has taken the time to show them a better way.
We work with groups of all sizes, from 2 to 800 employees, but we have a special appreciation for the 2 to 50 market because that is where the need is often greatest.
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These businesses deserve access to real expertise, not generic advice. They deserve someone who will explain their options clearly, thoroughly vet recommendations, and stay involved after the paperwork is signed. That is how we have always chosen to serve our clients.
Old-School Service Matters
Healthcare is quirky. Billing issues happen. Communication gaps happen. Frustrating mistakes happen. And when they do, clients need an advocate who is willing to step in and take ownership.
That is one of the biggest things that sets us apart. We do not make recommendations lightly, and we do not walk away when a challenge shows up later. We commit to taking ownership of the problems our clients face. We believe there is simply no replacement for old-school service, period.
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To us, service means being available, being thorough, and caring enough to keep pushing until the issue is resolved. It also means educating employees so they can become smarter consumers of their health plan and benefits. That kind of education matters more than ever, because many employees are trying to make important healthcare decisions without anyone ever teaching them how their plan actually works.
We literally do not know any other way to do this.
Research Before We Recommend
At RBH Benefits, Inc., we never recommend changing anything without thoroughly vetting everything first. No surprises. That has always been one of our core values.
We are not comfortable advising an employer to move from one health plan to another until we are confident about the likely outcomes for everyone involved. That means we look carefully at costs, provider access, plan mechanics, employee impact, and long-term value. We want our clients to understand not only what is changing, but why it makes sense.
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In our experience, too many employers have been conditioned to expect rushed proposals, incomplete analysis, and a lot of uncertainty. We do not believe that is acceptable. We believe business owners deserve thoughtful guidance and clear answers before making a decision that affects their people and their bottom line.
Experience That Runs Deep
Barry Hamric has been an insurance broker since 1993 and has owned his own agency since 2001. That level of hands-on experience matters in this business. It means we have seen the market change, watched trends come and go, and learned how to identify real opportunities versus temporary noise.
Our agency affiliation has earned platinum status with the largest carrier in the world. We have extensive experience with that carrier and strong working relationships across the industry. Just as importantly, we are backed by a team of highly experienced people who work directly with each insurance carrier we represent. Many of those relationships have been built over many years.
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We also have a pharmacy expert on payroll, which gives our clients another layer of insight in one of the most complicated and expensive areas of healthcare. When we say we bring resources to the table, we mean it. Our role is to keep our clients happy, and we are surrounded by dozens of embedded experts who help us do that efficiently and effectively.
A Better Health Plan Starts with Better Information
One of the biggest misconceptions in employee benefits is that employers have to wait until renewal time to make a change. They do not. Employers are usually not aware that they are not locked into an annual contract with these carriers in the way they assume. That means there is often no reason to continue overpaying until the next renewal cycle. Another major blind spot is performance. Most employers evaluate how their employees are performing on the job. But very few stop to ask how their health plan is performing its job, especially when it is often one of the highest expenses in the business right behind payroll.
By providing basic employee information, employers can access detailed reporting on how their plan is performing. These reports are free, accurate, easy to understand, and 100 percent HIPAA compliant. That insight can be a game changer. It gives employers a clearer picture of where money is going, how claims are tracking, and whether the current structure still makes sense. We believe every group in Alabama needs a health plan checkup. Ignoring your options is simply not a business-savvy strategy.
Modern Plans Have Changed the Conversation
A healthy group should not automatically remain on a traditional, old-school health plan just because that is what they have always had. Modern health plans have opened the door to better strategies, especially for healthier groups.
In a traditional plan, if your employees barely use the plan, you typically do not get anything back. The carrier keeps the upside. In many modern plan designs, healthier groups may have the opportunity to share in that savings rather than simply subsidizing the broader risk pool with nothing to show for it.
That is one reason we spend so much time educating our clients. Once employers understand the difference between old assumptions and current options, the conversation changes. Instead of feeling trapped, they begin to see possibility. Instead of settling, they start asking better questions. That is where better outcomes begin.
FAQ’s
We help employers lower healthcare spending, review health insurance options, improve employee benefits strategy, and solve plan-related issues with hands-on support.
No. We work with employer groups ranging from 2 to 800 employees, although we believe smaller groups are often the most under-served and can benefit greatly from a thorough review.
No. Many employers are not as locked in as they think. In many cases, there may be opportunities to make changes before renewal and stop overpaying sooner.
We thoroughly vet everything before recommending change. We look at costs, outcomes, employee impact, specific doctors, employee-specific needs, and long-term fit so there are no unwanted surprises.
We focus on education, smart consumerism, and ownership. We do not disappear after enrollment. We stay involved and help resolve problems when they arise.
Yes. Educating employees is a major part of what we do because informed employees make better healthcare decisions and use their plans more wisely.
Yes. We have a pharmacy expert on payroll, which helps us support clients in one of the most important and complex parts of health benefits.
Why Employers Continue to Trust RBH Benefits, Inc.
At the end of the day, we know employers do not just need another insurance agency. They need a partner who knows the market, tells the truth, does the homework, and stands by them when things get messy. That is who we have worked to be since 1993. We’re also proud of our experience, proud of our relationships, and proud of the way we serve Alabama employers with real care and accountability. So when clients trust us with their employee benefits, we take that seriously. Our goal is simple: help you spend smarter, serve your employees better, and finally understand the options you truly have.