Employee Benefits

Employee health benefits are benefits offered by and often paid for by an employer. When an employee is hired, they may become qualified to receive certain benefits from the employer. Health benefits is just one of the many types of benefits you can get from an employer.

At Distefano Insurance Services, Inc., our team will conduct annual claims analyses, or more frequently if requested, to help you visualize how employees are using your health care plans and identify areas of high utilization. Then, we’ll use this data to prepare a health care strategy for you for years to come, including new health plan designs, educational materials, and general guidance.

Fully Insured

If you’re looking to offer a group health plan to your employees, you’ve probably heard of the terms “fully insured” and “self-insured.” These terms describe the two main types of health insurance plan designs that employers can offer their employees. In some cases, these plans may be referred to as “fully funded” or “self-funded” plans, respectively. A plan design that combines the two is known as a level-funded plan.

Self-Funding

A self-insured health plan is one in which the employer assumes the financial risk associated with providing health care benefits to its employees. Rather than paying fixed premiums to an insurance company in exchange for claims assistance, the employer pays for medical claims out of pocket as they arise with a self-insured plan.

Cost-Containment Strategies

It’s no secret—health care costs in the United States have risen sharply over the past two decades. If you’re worried about managing your healthcare costs, you’re not alone. Mitigating health care costs has been a top-of-mind concern for employers nationwide for a few years. Distefano Insurance Services, Inc. is here to help you contain your rising healthcare costs while providing high-quality benefits to your employees

Fast Turnaround

Bringing efficiency to everything we do to get you covered quickly.

Proactive Service

Our account managers are here to help you whenever you need it.

Carrier Selection

Our wide range of business insurance carriers ensures great pricing.