Digital Insurance

Digital works with your company to provide the best employee benefits package to meet its workforce needs, as well as budget considerations. The policies available to you depend on what your employer selects. Talk to the person at your organization responsible for employee benefits or contact our Customer Advocate Center for details about your coverage and options.

If you are interested in obtaining a type of policy not currently offered through your workplace, talk to the person at your organization responsible for employee benefits. Some businesses elect to offer additional voluntary benefits - while you pay the entire cost of the premium, you and your colleagues may quality for group rates. We also work directly with individuals to help them obtain the coverage they desire at affordable prices. Refer to the Individuals & Families section of our website for more information.

You can always go directly to the insurance carrier who supplies your coverage. However, Digital's Customer Advocates are available any business day by phone, email or online chat to answer your questions or troubleshoot issues that may arise with your insurance provider. This is one of the distinctive advantages Digital provides to our customers.

Phone: 1.866.736.6640
Email: service@digitalinsurance.com
Online Chat: Select this option from the navigation bar in the Employee section of the website

Digital's Customer Advocate Center is ideal for employees who want to maintain confidentiality. Because you can communicate directly with our representatives, you never have to share private health matters with your employer. We adhere to all HIPAA guidelines to guard and protect your health information as governed by law.

Currently, insurance carriers rate companies based on risk, as well as other factors. In other words, if employees or their family members have a lot of health issues or claims, premiums will be more expensive for everyone who works there. This presents particular challenges for small businesses and mid-sized companies. While one intention of health care reform is to change these dynamics, improving your health status and becoming a better health care consumer is the best way you and your colleagues can help lower health insurance costs. And you're likely to feel better and be more productive! Digital's Wellness Management Center provides the information and interactive tools to help you engage in a healthier lifestyle.

Digital also can work with your employer to identify other ways to make health insurance more affordable. A High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) is an option more companies are providing. In addition, there are tax advantages to you - and/or employers who offer Flexible Spending Accounts (FSA), Dependent Care Accounts (DCA), Health Reimbursement Arrangements (HRA/105) and Premium Only Plans (POP).

If your company offers employee benefits through Digital Insurance, you may access the Wellness Management Center or on the Employees section of the site.

You will experience the same superior level of service as those who work for large organizations. Our goal is to simplify your health care journey -- especially while the complexities surrounding health care reform make insurance coverage more confusing. We have knowledgeable professionals available to assist you through our Customer Advocate Center. In addition, you and your family have 24/7 access to our Wellness Management Center, packed with information and interactive tools promoting healthy lifestyles. Whenever you communicate with Digital, the information you share is confidential. In compliance with HIPAA guidelines, we never discuss your health information with your employer.

We are the nation's leading employee benefits agency specializing in insurance for small businesses and mid-sized companies. Our national footprint, technology, resources and benefits expertise help customers control costs by leveling the playing field for employers and employees. Digital's customers experience the same advantages large organizations receive.

Our approach is very different from traditional brokers and agents. Often big brokers focus on large, profitable accounts. Small firms have limited resources and lack the licensing that's essential if a business operates in multiple states. Working directly with a carrier limits available choices.

We founded Digital Insurance to address the employee benefits needs of the underserved small and mid-sized business segment. In 1990 we began building our unique technology platform, relationship management tools and expertise. We amassed our customer base by partnering with brokers to manage their smallest accounts, freeing them to focus on larger companies. Digital now represents more than 400,000 insureds and serves more than 20,000 employers, achieving marketplace leadership in the small business arena. The current economy and the advent of health care reform make the infrastructure we've built tremendously relevant today.

An employee benefits agency is different from an insurance carrier that provides medical, dental, life and disability insurance. We advise business owners and managers about the best available options for their employee benefits package, based on the employer's financial and strategic goals.