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.

Claims Analysis

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. 


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

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Carrier Selection

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Employee Benefits

Products & Services

Fully Insured

A fully insured health plan is the more traditional way to structure an employer-sponsored health plan. With a fully insured health plan, the company pays a premium to the insurance carrier. The premium rates are fixed for a year, based on the number of employees enrolled in the plan each month.


A self-insured (or self-funded) plan is one in which the employer assumes the financial risk for providing health care benefits to its employees. In practical terms, self-insured employers pay for each out-of-pocket claim as they are incurred instead of paying a fixed premium to an insurance carrier.

Claims Analysis

Claims analysis is a process where we review and analyze the health insurance claims made by your employees. This analysis is conducted annually, or more frequently if requested, providing you with a clear picture of how your health care plans are being used.

Cost-Containment Strategies

We believe that understanding and effectively managing health care costs is crucial for the financial health of your company. That’s why we offer a range of cost-containment strategies designed to help you manage your health care expenses.

Group Health Insurance

Group health insurance is a type of health coverage that is offered by an employer or other entity (such as a union or professional association) to its employees or members. The employer or entity typically pays a portion of the insurance premium, and the rest is often deducted from the employee’s paycheck.

Group Life Insurance

Life insurance is a crucial part of financial planning, and when offered by an employer, it becomes part of an employee’s comprehensive benefits package. Group Life Insurance is one such offering that employers can provide to their employees.

Health Insurance

Choosing the right health insurance plan depends on several factors, including the size of your business, the health needs of your employees, and your budget. It’s important to compare different plans and consider factors such as coverage, out-of-pocket costs, and the network of doctors and hospitals.

Supplemental Life Insurance

Supplemental Life Insurance is a type of insurance that provides additional life insurance coverage on top of a basic life insurance policy. It’s typically offered by employers as part of a comprehensive benefits package.