J. Smith Lanier & Co. is pleased to announce the immediate availability of a mid-market Private Benefits Exchange specifically designed to deliver employer budget management while simultaneously improving employee satisfaction. As an additional benefit, the J. Smith Lanier & Co. Private Exchange, JOIN (J. Smith Lanier & Co. Online Insurance Network), provides a platform to manage compliance challenges which accompany the post-health care reform era. JOIN incorporates award winning technology and is immediately available with a wide variety of national insurance companies in all states. 

JOIN offers the opportunity for companies to control benefit budgets with a strategy which includes both defined contribution and traditional funding approaches. In contrast to other approaches which focus on cost shifting to employees, JOIN enhances employee satisfaction by providing employees a broad choice of benefits (and decision support tools) to customize their participation to address specific budget, risk and access objectives. JOIN also decreases internal administration costs, streamlines operations and reduces the Affordable Care Act compliance risk.

The J. Smith Lanier & Co. Private Exchange, JOIN, offers multiple options of Health Insurance plans and also other benefits such as dental, vision, life and disability. It allows flexibility for employers to offer coverage in any combination of traditional or defined contribution funding.

JOIN is flexible and allows for an enrollment process that meets clients' needs and has the ability to connect to most payroll, HRIS and insurance company systems.

“Since the Affordable Care Act was implemented, many employers have been trying to control the rising cost of healthcare through a more strategic approach to benefits. The J. Smith Lanier & Co. Online Insurance Network exchange provides employees with the ability to select the benefits and coverage levels that best fit their needs," said J. Smith Lanier & Co. Chairman and CEO, D. Gaines Lanier.