Most traditional brokers want to spend more
time with their customers. If you operate a small business or
mid-sized company, however, their availability may be limited. Once
the sale is complete, unless there's a problem, you probably won't
reconnect until it's time for renewals.
Digital Insurance takes a different approach. With our strategic
planning process, you receive the best benefits package within your
budget that also helps you meet your business goals. Our experts
can advise you about how to attract better qualified employees,
opportunities to reduce expenses and liability, and ways to ensure
compliance with state and federal regulations.
During regular touch points throughout the year, we discuss with
your clients:
Business: What has changed and what the future holds,
plus staffing, turnover, the quality of employees you attract and
how to remain competitive.
Current benefits portfolio: What you and your employees
like and don't like, as well as affordability.
Industry issues: Legislative updates,
carrier news and product updates. If you're considering changing
plans, we'll talk about other carriers operating in your market and
their national accreditation scores.
Service: Your experiences, how many interactions we've
had with your employees and our turnaround time.
Renewal planning: Your budget, plan expenses and what you
might want to modify or augment.
Action plan: What happens next and when.
With Digital, you make educated business decisions about the
employee benefits plan that best meets your needs.
Digital Insurance offers big solutions
to small businesses and mid-sized companies. Take a look at the
robust services available to you:
Benefits Resource Center: Ideal for businesses with no or
minimal HR staff, this robust online resource delivers reliable,
practical tools and state-specific information to address many of
your HR needs 24/7.
Time Savers: Downloadable job descriptions,
policies, employee handbook templates, hundreds of training tools
(on topics such as safety and sexual harassment) and much
more
State HR Compliance Library: Plain-English analysis of
key HR topics for your state
Job Description Manager: Valuable tool to develop and
manage job descriptions
Salary Data: Salaries for more than 2,400 jobs in your
state
Ask The Expert: Answers to your questions from an
attorney or HR professional within 24 hours
Customer Advocate Center
Our Customer Advocates are available to your employees every
business day to answer questions about claims, billing, plan
eligibility, provider networks, plan design features and pharmacy
issues. This is a huge distinction from traditional brokers and a
terrific time-saver for you. Think about it. If your employees
don't understand their coverage or are having difficulty with a
claim, you won't have to troubleshoot - we do it for you. This
service also offers a degree of liability protection, ensuring you
don't violate HIPAA privacy regulations while trying to help staff
members resolve issues. Most insurance agencies simply don't have
the capacity to routinely serve small businesses this way; Digital
has an entire team devoted to these endeavors. You can focus on
running your business; we take care of your employee benefits
needs.
Wellness Management Center
A healthier workforce creates more productive employees and
leads to lower insurance premiums. The Wellness Management Center
guides employees and their families to become better health care
consumers and engage in healthier lifestyles with a diverse array
of information and interactive tools. Key features include a health
risk assessment, health education lessons, health logs and
trackers, wellness calculators and self-care resources.
COBRA Assistance
Proper administration of COBRA benefits is essential to protect
employers from potentially significant liability issues. Miss a
notification deadline and your business could be responsible for
all of the affected individual's medical expenses. Digital offers
COBRA assistance to ensure compliance and reduce liability.
HIPAA Compliance
The Health Insurance Portability and Accountability Act --
better known as HIPAA -- has provisions that directly impact
employers. Digital offers safeguards to protect employees' privacy,
as well as ensure compliance related to coverage, guaranteed
renewals and pre-existing conditions.
Total Compensation Reports (additional
fee)
Benefits can comprise up to 50% of an employee's base pay, yet
most employees are unaware of the extent of your commitment to
them. These reports enable you to communicate and reinforce the
full value and impact of your organization's benefits plans from
insurance, to vacation pay, to monthly pizza parties.
As a leader in the employee benefits industry,
Digital Insurance is committed to providing our customers with
accurate, timely information and resources to navigate the
complexities of health care reform. We see this as an opportunity
to better serve you by simplifying challenging issues and taking
specific actions to maintain compliance.
Digital is prepared to address health care reform and structural
changes in the marketplace in a way that sets our firm apart from
other advisors. We already have sophisticated assessment tools and
access to data from tens of thousands of accounts and hundreds of
thousands of individuals. Combined with expertise about rate
structures, subsidies and tax credits, Digital will become a true
partner with our customers by guiding businesses through major
strategic decisions and helping employees make the right decisions
for themselves and their families.
We will continue to expand our expertise as
this national mandate evolves. Among the advantages Digital
offers:
- The Health Care Reform Resource Center on this website with
helpful materials and tools
- A proprietary tax credit assessment
- Access to HR / legal resources through our Benefits Resource
Center
- Market-by-market solutions though locally based benefits
consultants
- An enhanced communications platform to provide frequent updates
and guidance
- Ongoing webinars to help you stay abreast of deadlines and
deliverables
- Assistance with health care reform discrimination testing
- An efficient and cost-effective technology platform that
proactively transmits data to thousands of clients nationwide
- A service model that features numerous scheduled touch points
with you throughout the year
