Las Vegas, NV

Formerly Distinctive Insurance

    About Us

    Since 1990, Distinctive Insurance has provided insurance and employee benefits consulting services to Southern Nevada businesses.

    Distinctive was founded on the belief that a benefit and risk management firm should function as an arm of the company it represents. Distinctive strives to deliver tailored insurance solutions with thoughtful strategic planning, valuable professional services, and technology-based resources.

    In 2018, Distinctive joined Alera Group, one of the nation’s top 15 largest independent insurance agencies and one of the top 10 largest privately held benefits firms.

    The Alera Group comprises over 80 firms and serves thousands of clients nationwide.  This national presence allows Distinctive  to provide employee benefits, property and casualty, and wealth management services with the resources, technical expertise and best practices of a larger national firm.

    Meet Our Team

    Malisa Celaya-Crisman

    Individual Service Team Account Manager
    Malisa Celaya-Crisman

    Resources

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?

    In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.

    June 26, 2025 at 01:00 pm CT | Virtual

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    Employee Benefits

    Dynamic Data: Strategies for Success

    Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.

    July 17, 2025 at 01:00 pm CT | Virtual

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    Employee Benefits

    Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package

    In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.

    August 21, 2025 at 01:00 pm CT | Virtual

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    Quote from Alice O’Hearn

    Studies have shown that good pay alone is not enough to keep excellent employees. Employers have to furnish employees with competitive benefit packages as well, and that is where Distinctive Insurance comes in.
    Distinctive Insurance has been an invaluable member of our team as we have grown from two employees to twenty-two over the past seven years. I’m happy to say that the team at Distinctive Insurance doesn’t quit working for you once the policy has been sold. As our needs have changed over the years, Distinctive has continually evaluated our policies and advised us how best to spend our benefit dollars.
    In addition, they have been helpful in assisting me with other human resource issues, such as employee handbooks, interview questions, employee evaluations, and more. The staff is always cheerful and prompt in dealing with the day-to-day issues that arise, such as obtaining insurance cards, adding employees to our policies, or implementing changes to existing policies, etc. It is without reservation that I recommend Distinctive Insurance.
    Alice O’Hearn Bailey Kennedy, LLP

    Quote from Lydia Guderjahn

    Our company has worked with Distinctive Insurance since 2002. We have worked with many brokers over the years, but hands down Distinctive has been the best. Their services go far beyond our insurance needs and they are always prompt to handle our questions and requests.
    Every year Distinctive helps simplify our open enrollment process. They help with auditing, enrollment meetings, individual meetings and the paperwork process.
    Most recently we have been able to experience with great satisfaction the seminars they are offering. Their seminars have proven to be very informative and interesting. The speakers are well organized and informed and the written materials are a great tool to take back to the office in implementing changes.
    I would highly recommend Distinctive Insurance to anyone. Their staff is friendly, quick to respond and very knowledgeable. We hope to utilize more of what they have to offer as they are ever expanding their services to clients. We look forward to a long working relationship with them.
    Lydia Guderjahn Children’s Heart Center
    I am a personal Representative for my brother’s estate. I want to thank Distinctive for all that they did in regards to handling Jim’s medical insurance issues. Without their efforts, Jim’s estate would have been wiped out, and his heirs would have been left without anything.
    Jim had experienced several years of extensive illness and had exhausted his lifetime maximum on his health insurance policy. As a result of your tenacious efforts working with Anthem Blue Cross Blue Shield, the insurance company agreed to lift the lifetime cap, and was able to receive the health care that he needed.
    Distinctive spent several months working with the health care providers and insurance company, to keep the dialogue open so that over $10M of medical claims were resolved. Jim’s estate is grateful to Anthem for their compassion in dealing with his medical claims, both Distinctive and Anthem, have demonstrated a high level of professionalism in settling these medical claims.
    It has been a pleasure working with Distinctive Insurance. You are true insurance professionals who have demonstrated that you have made a significant difference in the lives of Jim’s heirs.
    Jim’s medical insurance issues
    Distinctive Insurance has provided my company with outstanding service over the past 5 years. We have recently moved all of our insurance policies over to them and the transition was a very smooth process. Everyone at the office is very helpful – Distinctive Insurance always provides superb customer service!! I highly recommend Distinctive Insurance for all your insurance needs.
    Superb Customer Service

    THOUGHT LEADERSHIP

    Insights

    Employee Benefits

    Agencies Push Pause Button on Enforcement of MHPAEA 2024 Final Rule

    On May 15, 2025, the Department of Labor, Department of Health and Human Services, and the Treasury Department (collectively, the “Agencies”) released a statement regarding the Agencies’ recent request for abeyance of a lawsuit filed by the ERISA Industry Committee (“ERIC”) in the U.S. District Court for the District of Columbia that challenged certain aspects of Mental Health Parity and Addiction Equity Act (MHPAEA) Final Rule (“2024 Final Rule”) relating to nonquantitative treatment limitation comparative analyses (“NQTL analyses”).

    May 16, 2025

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    Employee Benefits

    IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits

    In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.

    May 5, 2025

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    Employee Benefits

    A Challenge for Mental Health Awareness Month: Make It Enjoyable

    Achieving and maintaining wellbeing takes work, but that doesn’t mean it can’t be enjoyable and even fun. May is Mental Health Awareness Month, and with that comes Alera Group’s annual Mental Health Awareness Toolkit, this year featuring something we believe employers and their entire organizations will really enjoy: the 31-Day Challenge for Positive Wellbeing.

    April 29, 2025

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    Employee Benefits

    Deadline for San Francisco Health Care Security Ordinance is approaching

    The annual San Francisco Health Care Security Ordinance (SF HCSO) reporting by employers that have employees who work in the City of or County of San Francisco is due by May 2, 2025. Employers should be aware of the upcoming deadline even if they are not located in San Francisco.



    The SF HCSO requires large and medium-sized employers to provide covered employees with benefits equal to or greater than the expenditure rate. Covered employees are those who have been employed for more than 90 days and who regularly work at least eight hours per week within the City of and County of San Francisco.

    April 14, 2025

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