When Steve Hartmann of Affiliated Associates came to our location to talk about our enhanced employee benefits, I admittedly was apprehensive. After talking with him, I was pleasantly reassured. His explanations were clear, he wasn't pushy or "salesy", and assured me that if there were any questions, that he'd be there to help. That promise was put to the test when I had a claim, and he surpassed every expectation I had. He even came to my hospital room and walked me through the claim form and process. As the claim was being reviewed, he was there every step of the way, staying in constant contact with me so I was appraised to the status, even after the claim was paid. Insurance is difficult enough to try and understand by yourself. I'm so glad I enrolled, and even happier that I have Steven Hartmann and Affiliated Associates as my broker.

Deb Smith

Hi Marge,

I want to thank you for navigating the maze of Medicare enrollment for me. You carefully explained my choices and your thoughts on what plan would be best for my particular health care. I appreciated the clear time table that you prepared and on a scale of 1 to 10, with 10 being the highest, I would unhesitatingly rate you a 10 for your scope of knowledge, planning, identifying and lastly enrolling in the best Medicare plan for me. I found you pleasant to talk with and felt you cared about your work and most of all, your clients.
Both my wife and I are grateful that you were there to help us successfully migrate from our BC/BS plans to Medicare.

Thanks again and best regards,


Kira Harmon walked us through the complex process of registering for Vermont Health Connect. She used her expertise and influence to rectify billing errors that otherwise might have been unresolved for many months. I’m happy to recommend Kira Harmon and Affiliated Associates for their expertise in evaluating and choosing options for both individual and corporate health insurance.

Larry K.

I would like to thank Kira so much for all her assistance in getting me registered in the VT Health Connect. I was so confused and frustrated in not knowing what to do when I needed health insurance.

She kept in contact with me and VT Health Connect to make sure all the paperwork was properly sent.

Whenever I had a question she was there with an answer promptly and very courteous.

I would highly recommend Kira & Affiliated Associates to everyone that may need assistance.

Thank you sooooo much Kira!

Terry S.

Steve came to see all the employees at my store on multiple occasions
to make sure everyone was seen and understood the options offered to
them. After enrolling in August 2016, I had a disabling event in
October. I had submitted the claim forms to Steve so that he could
administer the process on my behalf which is standard claims
procedure. It turned out that the carrier had misplaced my forms.
Because of the Affiliated Associates' process, Steve and his team were
able to rectify the situation right away, and have a check sent to me the
same day. As I understand these things happen, I am happy that I
enrolled as I would not have been able to pay my bills while I was out of
work, and am thankful for the service and advocacy Steve and his team
conducted on my behalf.
I highly recommend using Steve Hartmann at Affiliated Associates
regarding your employee benefits and individual planning due to their
access to strong policies as well as the clarity, transparency, and
process of he and his team.

Andrea B.

Working with Morgan at Affiliated Associates has been so wonderful. Morgan is extremely knowledgeable, helpful, quick to respond to our inquires, and overall she is great at explaining complicated health plan information in a simplified way to our employees. We highly recommend Morgan and her team!

Lisa, TPW Property Management

Affiliated Associates has always helped me at the drop of a dime with all my benefit administration questions. In all the atmosphere of constant change that is benefit administration, Stefanie and her team have and continue to be a stable and strong voice of reason, wisdom and always make us feel like great friends, not just customers or a paycheck.

Ericka Hest, CVOMS Associates

A long overdue note to thank-you for helping us get Steve set up for Medicare, Medigap Insurance, and Medicare Part D. All seems to be working well; we received all the paperwork and payment notices, and Steve has successfully used his coverage for a few Dr visits and a few Rx's. If you need any references up this way, please feel free to use our names. We found you to be friendly, knowledgeable, patient :), and responsive. Thank you again!

Stephen Crane and Carol Anderson

Thank you Stephanie for the information on the Vermont Health Exchange you shared this morning. It is obvious that you truly care and worry about us, your clients’. It is obvious that you have researched, educated yourself and your staff, and then shared that information in a way that we can understand as we face the daunting task of making decisions about the way we offer health insurance to our employees. It eases the stress of these decisions knowing that Affiliated Associates is there as a resource and support.

Again thanks for today!

Pat Niquette Office Manager Niquette Brother’s Plumbing & Heating, Inc.

I am writing to say thank you to the staff of Affiliated Associates for your very capable and professional handling of my company’s enrollment with BCBS of VT. You provided all necessary information to us and assisted with the choosing of the plan best suited for our employee’s needs. Once that was done, you made the application process quite easy and you handled all of the enrollment questions we had very quickly.

The services you provide to your clients are very important in this day of continuing change in health care and retirement issues.

Thank you for your continued support in these matters.

Kind Regards,
Sherry Stahler

Sherry Stahler Laramy Products LLC

With all of the changes happening with the health care system in Vermont, it has been a blessing working with the group of highly knowledgeable staff at Affiliated Associates. They have given me the information needed to educate my staff on their choices of benefits including, but not limited to, Healthcare, Life Insurance and Vision. My staff and I love the fact that at any given time we can call Affiliated Associates and speak to a live, local, friendly person willing to resolve a situation or give information as needed. I foresee our office continuing to grow a strong relationship with Affiliated Associates.

Tonya Lulek Practice Manager NVOS, PC

Dear Marge,

I wanted to take a few minutes and tell you how great it was for me to have your assistance as I explored Medicare and the supplemental insurance options. I consider myself quite capable when it comes to figuring out details and instructions, but when it came to understanding the Medicare information available I was pretty much lost.

Your personal insight and professional understanding of the Medicare programs made my decisions easy. And, with the Medicare decisions made, your knowledge and options available for supplemental insurance added a level of comfort for me as I made the choices.

To summarize, THANK YOU Marge for your personal touch and expertise. I truly appreciated it and will be passing your name onto a couple of friends that I know are approaching the same point in their lives.

Joe DiLorenzo

Joe DiLorenzo

Affiliated Associates and their representative Morgan Pratt have turned the management of employee benefits from a burden into what it should be: a positive affirmation of the great value of our employees. Morgan makes it easy and professional. I couldn’t do it without her!


We first learned of Affiliated Associates when it served members of the Vermont State Dental Society. When my husband retired and as we both approached Medicare age, we contacted Marge. She sat down with each of us and explained the landscape and what our options were for both Supplemental and Part D. Whenever we have questions Marge responds to them promptly with clear advice and explanations. As a courtesy Marge helped me to navigate the Part D process for my mother, who is not a client. We are very grateful that Marge and her team are there for us.


We were setting up our small business health insurance plan for the first time and I reached out to Morgan Pratt at Affiliated Associates for some assistance rolling it out. Morgan and everyone at AA were incredibly helpful, attentive and patient working with getting a new plan set up with an administrator who had never rolled out a plan before. She helped make the roll out smooth and easy for all of our employees and has been available to answer any and all questions I have had moving through the process. I highly recommend Morgan or any other person at Affiliated Associates for help handling your health insurance plan.


Kira, Please let me say again, and I sincerely mean this, your quick response & willingness to help in any way is my kind of person and it means a lot to deal with someone like you. If anything in the future changes, I will reach out and also will be certain to tell anyone looking for insurance to reach out to you.


Hello Marge, I want to thank you for your help in getting me enrolled in Medicare Supplemental Insurance Coverage as well as the Prescription Drug Converge. I appreciate the fact that you took the time to explain the options that were available and to answer all my questions. I never felt pressured. And I especially appreciate the fact that you explained things in plain English and in such a way that I understood them. You took a complicated issue and made it easier to comprehend by breaking it down into its components and then explaining how the pieces fit together. You returned calls when you said you would, and you followed up on the things you said you would. I honestly can't think of anything you should do differently in order to improve - you're already doing things right!