MetroBureau Online
Insurance Services

Through its subsidiary, Metro Bureau Services, Inc.,  (MBS)  the Metro Bureau makes high-quality, low-cost insurance coverage available to public school districts.


  Patient Protection Affordable Care Act [PPACA]   The law  

  has changed almost everything an employer knows about employee

  benefits.  With mandates for coverage, mandatory dates for compliance,

  and coverage for employees without current coverage, the law requires

  reviews of current benefits, planning for change, and studies to determine

  penalties and fees.


  Metro Bureau Services, Inc., a subsidiary of the

  Metropolitan Detroit Bureau of School Studies, Inc. provides insurance 

  products and consulting services designed for the education industry as

  well as the advance planning the Affordable Care Act requires.  With the

  most comprehensive services available, Metro Bureau Services can better

  control costs, plan for future benefit needs, and provide the needed

  services to explain change to employees.


  Metro Bureau members have the advantage of the measurable savings

  found in the cooperative process of purchasing employee benefits as well

  as access to the consulting services provided by our partner, D.R.M.

  Stakor & Associates, Inc.  The StakorGroup has Metro Bureau specific

  services such as the Rate Generator and The Estimator.  The Generator

  allows for quick determination of the appropriateness of rate increases,

  rates needed immediately for negotiations, and general assistance in

  determining the cash flow of Health Care plans.  The Estimator provides

  a quick and easy determination of the latest Affordable Care Act fees and



  Designing plans for the education employers requires careful attention to

  detail.  Unlike other industry benefits, education employers need unique

  benefit designs that also create savings to meet already tight budgets. 


  Using financially safe carriers and administrators, Metro Bureau

  Services plans are based on single employer claim payments.  No

  employer funds are used to lower any other employer’s premiums.  You

  are assured of savings for your district and not accruing funds to an



  Plans include:


Ø Group Life, Accidental Death and Dismemberment Insurance

Ø Short and Long Term Disability Coverage,

Ø Voluntary Benefits to Offset Higher Deductibles and Co Insurance

Ø Affordable Care Act Approved Health Care Plan Designs

Ø Consumer Driven Healthcare Plan Alternatives

·         FSA – Flexible Spending Account

·         HRA – Healthcare Reimbursement Account

·         HSA – Health Savings Account 

Ø Health Maintenance Organization [HMO], Preferred Provider Organization [PPO], Private Exchanges, and numerous other Alternatives

Ø Prescription Drug Coverage

Ø Dental Care Coverage

Ø Vision and Hearing Care Coverage


Metro Bureau Services Evaluations.  Through D.R.M. Stakor & Associates, Inc. Metro Bureau Services offers a number of no cost services including Affordable Care Act testing for compliance, fee, and penalty testing.  These are necessary tests and can provide valuable direction for compliance.  Additional Services include:


Ø Frequent Newsletters and Alerts regarding the changes frequently occurring changes due to the Affordable Care Act as well as State of Michigan mandates and changes.

Ø Actuarial Services to keep plan costs within expected limits and to identify both irregularities and costly trends.

Ø As the Michigan Law requires the mandatory bidding of coverage, a complete and accurate source of Public Employers Health Benefit Act (PA 106) information, models, and reporting are available.

Ø Federally Facilitated Marketplace agents and brokers are needed to transition to the expected changes with Marketplace offerings.  The StakorGroup Associates are fully licensed and trained to explore these alternatives.




Our Mission

It is the Metro Bureau Services, Inc. mission to:

  • Review and provide a program of employee benefit services for the Metro Bureau constituency.
  • Assure that members are offered the lowest cost employee benefit plans available through a cooperative purchase process.
  • Increase the membership and services of the Metropolitan Detroit Bureau of School Studies, Inc.