Business Details
28 Years
experience
Trusted Insurance & Benefits Management Solutions
Founded in 1998, Four Square has dedicated itself to providing comprehensive benefits and insurance solutions for businesses, organizations, and individuals. Our approach begins with listening to our clients to understand their unique needs, followed by researching and recommending affordable, practical benefits packages tailored to their specific circumstances. We specialize in mitigating business risk and personal stress by staying ahead of evolving insurance regulations and helping clients avoid rising coverage costs. With deep expertise in the Mid-Atlantic market, we design customized tools to maximize return on investment and employee satisfaction. Our services span insurance selection, strategic planning, compliance management, and ongoing support to ensure long-term success for our clients.We pride ourselves on maintaining 98% client retention through personalized service, integrity, and a commitment to exceeding expectations. Our team of certified professionals brings decades of combined experience in health, life, disability, and voluntary benefits, along with HR and compliance expertise. We actively engage with local communities and industry organizations to stay at the forefront of best practices. By offering 24/7 access to telemedicine services and innovative solutions like HSAs, HRAs, and wellness programs, we empower clients to build competitive benefits packages that attract and retain talent. Our mission remains unwavering: to secure our clients' futures by providing peace of mind through appropriate, affordable coverage and exceptional service.
Services
Insurance Coverage
Benefits Administration
Strategic Planning
Compliance Management
Employee Communication
Wellness Programs
Telemedicine Services
Voluntary Benefits
HR Portal Access
Open Enrollment Support
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of specialized expertise in health, life, and HR insurance solutions.
- Our team includes Certified Benefit Consultants with PPACA certification.
- We provide 24/7 telemedicine access and innovative tax-advantaged account management.
- Our 98% client retention rate demonstrates exceptional service reliability.
- We combine local Mid-Atlantic market knowledge with national carrier partnerships.
Services
Insurance Coverage
We provide comprehensive health, dental, vision, life, and disability insurance solutions for businesses and individuals. Our services include plan selection, carrier negotiations, and annual renewal management to ensure optimal coverage and cost efficiency. We represent top-rated carriers like CareFirst and United Healthcare while offering access to healthcare exchanges and private market options.
Benefits Administration
Our benefits administration handles enrollment, terminations, and changes between employers, carriers, and payroll providers. We offer online enrollment tools, onboarding assistance, customized benefit packets, and ACA compliance support to streamline HR operations and reduce employer administrative burdens through our dedicated client portal.
Strategic Planning
We develop customized strategic plans aligning benefit programs with corporate objectives. This includes annual open enrollment meetings, employee retention strategies, and compliance frameworks that adapt to evolving regulations. Our approach maximizes ROI while minimizing business risk through continuous plan evaluation and refinement.
Wellness Programs
We design wellness programs that reduce insurance costs while improving employee health. Our services include privacy-compliant program implementation, educational materials, safety awareness campaigns, and reward system guidance. These initiatives promote preventive care and help organizations maintain a healthy, productive workforce through regular engagement and communication.
Telemedicine Services
We offer 24/7 access to board-certified physicians and health coaches through telemedicine platforms. This service addresses four core benefits needs: improved access to care, cost efficiencies, enhanced healthcare quality, and meeting employee demand for modern medical solutions while integrating seamlessly with existing benefit packages.
People
Joni A. Waldych
Principal
With over 25 years in health insurance and HR, Joni founded Four Square in 2003 after leadership roles at major Maryland agencies and PEOs. Certified Benefit Consultant and PPACA-certified, she was named Insurance Business America's Elite Woman in Insurance in 2014 and featured in their Hot 100 CEOs list in 2015.
Lynn A. Creasy
Vice President
Lynn joined Four Square in 2006 after 22 years at Bank of America. She specializes in group and individual insurance across Maryland, Delaware, and Virginia. Holding an Executive MBA from Salisbury University, she serves on multiple local business advisory councils and chambers of commerce.
Allie Mesisco
Client Advisor
Allie provides client support for enrollment, billing, and claims with exceptional organizational skills. Returning to Four Square after previous service roles, she focuses on delivering accurate, timely assistance to ensure smooth client operations and satisfaction through personalized benefits administration.
Questions
What types of insurance does Four Square offer?
We provide health, dental, vision, life, disability, Medicare supplement, and voluntary benefits including accident and cancer coverage for employers and individuals.
How does Four Square help businesses with compliance?
We ensure adherence to ACA, DOL, and ERISA regulations through our HR Portal, 6055/6056 reporting, 1094/1095 filing, and ongoing compliance guidance.
Do you serve businesses outside Maryland?
Yes, we serve clients throughout the Mid-Atlantic region including Delaware and Virginia.
What is your approach to employee benefits communication?
We provide employee newsletters, benefit guides, and direct support to answer coverage questions, reducing employer administrative burdens.
How do you help control rising insurance costs?
We implement wellness programs, shop annual renewals across carriers, and optimize tax-advantaged accounts like HSAs and FSAs to reduce expenses.
