Payne & Associates, Inc. Our Mission... To provide the best quality health plan for your organization or family, while maintaining a cost effective plan. Independent Agency We do not work for an insurance carrier; we work for you! We offer a full line of benefit plan designed to fit your specific needs. We are licensed with over 20 different local and national carriers to develop a program to fit your specific needs. Our staff's experience includes a 5 year background in medical underwriting for a large Michigan base health carrier, 20 years of employee benefit consulting and administration, and over 20 years of Human Resources management. We take great pride in presenting Payne & Associates as a full service agency. Along with coordinating benefits for groups and individuals, we also offer medical claims administration and cobra administration. Terrence Payne President Katey Kaiser Administrative Assistant