Consulting Services

Stephen Chelbay Company has provided consulting and administrative services for many public and private sector clients.  Our philosophy is formed around the concepts of teamwork, partnership, service, and quality, both in the coordination of our efforts within our firm and in our interactions with our clients.  The strength and qualifications of our staff enable us to provide analysis that is both prompt and thorough.

We strive to form partnerships with our clients.  Our recommendations can be delivered only through recognition of each client’s unique situation.

We also know that timeliness is essential to a successful assignment.  We deliver quality, accurate, timely products and superior service as promised.

Most importantly, we commit personalized resources to each client resulting in unsurpassed client service.  This has been our reputation for the more than 65 years we have been in the employee benefits industry.  Our commitment of resources to each client is unique.


We have a client service model which assigns an ongoing team of professionals to each account.  All team members are involved with the client – face-to-face – throughout the year.  We also have a dedicated team of professionals within our office to service your members. By having a local office, your members have the ability to meet with our staff on a personal basis.  The average length of service for our employees is over 14 years.  The stability of our staff is unique in today’s world.  It assures our clients of continuity of service. Together, we have many years of experience working with clients both in the public and private sectors.


Our reputation as one of the premier benefits consulting firms in Northern California has been earned through more than 65 years of consistently delivering comprehensive, proactive services for our clients, as evidenced by long-standing relationships we continue to enjoy.  Our proposed consulting team represents significant large public sector experience and knowledge.

Because of our objectivity and professionalism, we have a reputation with health benefit providers of being a group with whom they prefer doing business.  In addition, they are aware that when we bring concerns to them about rates or service, the issues are documented and sound.  Therefore, we are able to provide our clients with responsive service from their vendors, resulting in high quality service at competitive rates.

Retirees present unique challenges to plan sponsors.  By bringing our expertise and experience with other large public plans, we can assist your group in addressing its retiree health issues and provide information on what other public plans are doing in this area.


Because of our long involvement in health benefits consulting and administration and our large client base in the public sector, we are familiar with the laws and regulations involved.  The Health Care Reform Act signed by President Obama will bring many new challenges ahead.  We are committed to educating and reviewing the new policies with our clients as they become effective.

Shared Vision

In partnership with the client, we believe the goal is to make available to employees and their families a complete benefit program which meets the employees’ needs for coverage in a comprehensive, accessible, and cost effective manner.   Along with the client, we place a high priority on working with programs and vendors that will provide the utilization and cost information necessary to manage your plans effectively, as well as provide excellent service to your employees.  Our common goal is to develop a long-term strategy for maintaining a benefit structure which is responsive to coverage requirements while promoting cost effective use of services.


In addition to holding Property/Casualty, Life Agent and an Administrator licenses, we belong to several professional organizations that provide our staff with the most up to date education on the ever changing health care market place.  The following is a partial listing of those organizations:

  • National Association of Health Underwriters
  • California Association of Health Underwriters
  • Silicon Valley Association of Health Underwriters
  • Society of Professional Benefit Administrators
  • Health Care Administrators Association
  • California Association of School Business Officials
  • International Foundation of Employee Benefit Plans


In addition to customized web pages for each client, links to plan sponsors, on-line eligibility inquiry, claims inquiry and plan documentation are available through customized client websites.  Our clients as well as their members have access to a website that has been custom designed for them.  The website includes all plan documents and forms.  We also offer online enrollment access to our clients.


As experienced consultants and administrators, we are very familiar with the healthcare and benefit marketplace, as well as issues that must be addressed to evaluate and manage health plans effectively.  However, no two clients are alike and we are committed to providing services that are tailored to the unique needs of the client.   Our emphasis is to retain clients over a long period of time, something that can only be achieved by providing excellent service.