About us

More than 35 years of experience in the employee benefits profession.

In working with hundreds of employers over the years, no one understands better the unique challenges employers face like senior consultants and agency owners Nick Bavaro and David Gingerich.

In the age of the Affordable Care Act, Bavaro Gingerich has developed solution based strategies that help solve today’s employers’ two biggest problems – providing affordable, quality health benefits that meet the diverse needs of today’s employees (both personally and financially), and maintaining compliance in a strict regulatory environment.

To learn more, we invite you to browse our Overview section below.  If you need assistance in developing high performing health plans, while lowering costs for both you and your employees, we would love to hear from you.  Please contact us online or call 209-579-5523.  

Solving Benefit Problems


Services & Resources








Benefit & HR


We offer a comprehensive line of employer solutions and resources that work seamlessly together to make employee benefits more affordable and easier to manage for employers and their employees.

We're Unique We're Innovative We Are Not

We are benefit advisors, passionate about what we do. We utilize a client-centric "consultative" approach when determining what benefits and funding strategies are best for our clients' needs.  Our unique approach has been very successful in designing benefits that employees desire and can actually use to stay healthy and alleviate financial concerns,  all while aligning with the company's overall goals and objectives. 

Employee benefits are never still.  Each and every year premiums rise, while state and federal rules and regulations increase.  The good news is, new trends and technology continue to emerge to help challenge these and other benefit issues employers face.  The partners of Bavaro Gingerich have been leaders in this arena, striving to stay at the forefront of plan design and technology to maintain that true balance between benefits and costs, and without sacrificing the integrity of our clients' benefits.

We are not sales agents, nor do we work for any one specific carrier.  Our reward is not achieved through high premium quotas, but rather through customer retention.  We do not retain clients by overselling them, we help clients succeed by helping them build productive work forces through competitive attractive benefits that don't break the bank. 

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Years of Experience Combined
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Employees & Dependents Covered
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Carriers & Industry Vendors We Work With
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Million Saved In Premium Dollars
More Options

More Choices

As an independent, unbiased benefit advisor, we partner with the nation’s most trusted carriers and vendors offering innovative health programs designed to lower costs for everyone.



*The display to the right is a sampling of a few of the carriers we work with and is in no way a complete list of carriers options we present our clients with.