CalmHR is designed to simplify the complex system of health insurance, retirement, and so much more.
When It Comes to Health Insurance, Don’t Guess
One of the biggest issues for employees is the lack of transparency afforded by most insurance packages. This leads to incorrect assumptions (believing you’re covered when you’re not), expensive surprises, and poor health outcomes.
CalmHR turns this system upside down. We believe there’s nothing to gain from obscure systems and hard-to-navigate platforms.
Our simplified program design offers a coordinated communication plan, which includes on-demand access to top subject matter experts, recorded webinars, FAQs, and customized support documentation.
Life and Disability Insurance
Vision and Dental Insurance
Health Savings Account (HSAs)
Health Reimbursement Arrangements (HRAs)
Flexible Spending Accounts (FSAs)
Plan For Every Outcome: Integrated Workers’ Compensation Insurance
Small and medium-sized businesses traditionally go underserved by insurance carriers, but CalmHR’s workers’ compensation program is designed to protect your business from loss. We offer a single source solution for workers’ compensation access, integration and awareness, and we coordinate with other benefit programs to streamline efficiency across your full organization.
How It Works
Access the full spectrum of benefits through a single integrated technological platform. Here you can take care of open enrollment, access educational materials and ongoing support, and stay connected with your insurance carriers to simplify the complex array of issues and services.
What Makes Us Different
With CalmHR, what you see is what you get. Transparency and flexibility are two of the main principles guiding our business. We believe increased transparency always results in better outcomes, and we understand that your business is a unique entity.
That is why we offer both PEO and ASO service models, meaning we give you the flexibility to choose which is right for your company.
And when you’re a part of our program, we control the health plan, which means we handle any and all questions, issues, or problem resolutions—offering you answers almost immediately.
Hear From Our Clients
Joe and his staff make an annual presentation that have brought great clarity to the ever-changing subject of and available choices in the field of health care. We are satisfied and informed customers and seek to acknowledge Joe and his firm’s professionalism and outstanding hands-on service.
Great, hands-on client-focused team! All the staff have been delightful to work with and have made every effort to make sure we have what we need, get questions answered in a timely manner and resolve issues as soon as possible.
Joe and his team have always been ready to assist and resolve. They regularly follow up until an issue is resolved. Issues have been few and far between.
As an organization, we have been very pleased with the service provided. As Director of Benefits, I appreciate the robust offering, level of support, and candor that Joe and his team provide.
I don’t care about special treatment for myself as the CEO. I love that Potomac treats any requests or issues from my employees exactly as they do from me, with the same care and high-level attention to detail. My expectations are not only met, they are consistently exceeded. Our experience is tailored to what we need, allowing us to keep doing what we need to do for our clients.
I was referred to Joe Appelbaum several times and did not pursue as there was always something else to manage. Finally—twice in one day—my partner and our personal insurance broker referred Joe. It was a sign to connect with Joe at last. I wish I made the call the first time I received the referral. Joe and his team did an unbelievable job of handling the needs of two merging companies. Their analysis cut through the noise of two companies with disparate systems, benefits, and contributions and was executed with a pragmatic and empathetic approach for our employees. Additionally, because Joe and his team found savings for us, we were able to add additional benefits for the firm that all employees welcomed. I cannot thank him and his team enough. Anyone who doesn’t sign on with Joe—don’t be like me, sign up the first time.
Our relationship with Joe Appelbaum is a true partnership. Not only does he help us navigate through open enrollment and provide us with excellent benefit options, he also educates us on changes in the health care market and offers assistance with a number of general HR questions. Joe Appelbaum helps save our organization money while improving the benefits options we are able to offer. His diligence in understanding our association and our culture helps me do my job better.
Joe Appelbaum has been wonderful in helping us keep our benefits costs down and offering competitive benefits to our staff. He and his team are terrific at taking the time to understand our benefits needs and then identifying all viable options. Most importantly, they clearly lay out the costs to BOTH employer and employees of different ages and income levels for each option. We have been fortunate to work with Joe for many years, and I would recommend him highly.
Joe Appelbaum and his team is always available, day and night. They deeply care about their clients. We are like family! The team gets right on it and solves any claims issues we have. Joe and team have made a huge impact on our HR team and our organization overall. It’s difficult to name just one person because the entire team is always shining! They have provided consistently excellent client service throughout our entire relationship.
Our firm is not large enough to participate in the group savings that are available to larger employers. Joe Appelbaum has always proactively provided us with innovative ways to save money on our health care plan while continuing to offer our employees comprehensive benefits. The team has educated us on how to greatly reduce costs on our prescription drug plan and has offered suggestions to provide our participants with much needed cost-savings as well.
These experts are extremely responsive and available at any time to answer any questions that may arise. Throughout our relationship, Joseph Appelbaum and his team have taken the time to connect with our firm and truly understand our internal culture.
We appreciate Joe and the team’s attention to detail in reviewing plan options upon renewal.
They assist with developing a financial plan in the best interests of the practice and staff. The benefit review meetings with staff are exceptionally helpful and relieve a great deal of my burden when we are up for renewal. At one point, we opted for a plan that ultimately ended up having significant issues around access to care. Joe stepped in and helped us switch to a new plan 4 months into our plan year. Our employees were thrilled and the team really helped us demonstrate we truly have the best interests of our employees in mind.
Joe and his team have been responsive and accountable throughout our relationship. I would definitely recommend their service to other organizations.