Diversified Employee by ps94506

VIEWS: 66 PAGES: 14

									       Diversified Employee
       Benefit Services, LLC.




dibsinfo@dibsinsurance.com      1
     Diversified Employee Benefit Services, LLC.


I.      Who We Are

II.     Where We Are

III.    Types of Groups We Insure

IV.     Sold Benefit Plans in 2008

V.      Group Health Plans PPO, POS, HMO, Mini Med, Fully
        Insured, 105C or Self Funded

VI.     Dental Plan Management – DHMO, PPO, Indemnity

VII.    Vision Plan Management

VIII. Group Life Insurance – Short Term Disability and Long
      Term Disability – Voluntary Products

IX.     Federal Tax Benefits – 125C, 105C, 419A & C, 501C, 9

X.      Volume




                  dibsinfo@dibsinsurance.com              2
                                     Diversified Employee
                                     Benefit Services, LLC.

                                                Who Are We?

                               Stephen G. Geri, MGA, has been a licensed life and health
                               agent since 1969. Mr. Geri has over 40 years of experience
                          in Employee Benefit Design, Implementation and Service.
Ownership:
                          Diversified Employee Benefit Services, LLC, (DEBS) is the
                          “Employee Benefit Specialist”. DEBS only contracts with top
Stephen G. Geri, MGA
                          insurance carriers.
  President

Karen Geri                Diversified’s experience in Employee Benefits Management is
                          unique in today’s benefit agencies. We have insured medical,
  Vice-President
                          business and various government agencies with employees up to
                          32,000. DEBS’ marketing involves small groups from 2-50 and
‘LLC’ Limited Liability
Company                   large groups from 51+ employees. All Americans deserve quality
                          benefits from a dedicated service oriented agency. Our staff is
                          highly qualified using state of the art software, computers,
Years of Experience:      encryption, and phone technology with TTY compliance.
       7 Decades
                          Diversified’s business strength lies in its understanding of the
                          clients needs, and team approach, along with our experiences in
                          dealing with carriers thinking in and out of the box. Our
                          management constantly places emphasis on controlling cost,
                          product, service, and quality. We are team oriented, but direct and
                          pragmatic when it comes to managing and solving problems.
                          Diversified believes in “designed competition between
                          carriers.” We are licensed in most states.



                             dibsinfo@dibsinsurance.com                                      3
                          Where Are We?


                       Corporate Headquarters:
                         3463 Magic Dr., Suite 137
                         San Antonio, TX 78229
                                (800) 990-3427
                                (210)558-3377
                            (210)558-3332 FAX
                         www.debsinsurance.com


                             Branch Offices:


       Gerald Adams                                     Randy Martin
      6000 N. Lamar                               8117 Preston Road, Ste. 600
     Austin, TX 78752                                  Dallas, TX 75225


        Ray Wicker                                        Geoff Gallo
10011 West Gulf Bank, Suite A                    2303 Augusta Dr., Suite 1100
    Houston, TX 77040                                Houston, TX 77057

       Mark Gengler                                    Richard Griswald
       P.O. Box 7609                                    6000 N. Lamar
    Beaumont, TX 77726                                 Austin, TX 78752



                             Other Contacts:
                     Walter Wilson and Associates LLC
                              Tax Attorney
                           2204 Louisiana, #227
                            Houston, TX 77002

                          dibsinfo@dibsinsurance.com                            4
                                     Who We Insure:
                                   Industry SIC Codes Insured


 Hotel/Motel                                          Multimedia Agencies
 Physician                                            Real Estate Development
 Medical Clinic                                       Telephone Sales and Service
 Medical Research                                     Attorneys
 Medical Management                                   CPAs
 Car Dealerships                                      Insurance Agencies
 Landscape Companies                                  Federal Agencies
 Farm and Ranch                                       Transportation
 Feed Manufacturing and Storage                       Oil and Gas




                                        OUR STAFF:
   Stephen Geri, MGA                                   Randy Martin, Agent
   Karen Geri, Sr. VP                                  Geoff Gallo, Agent
   Gerald Adams, Agent                                 Geri Adams, Account Specialist
   Melissa Boone, Agent                                Fran Sells, Marketing/Agent
   Mark Genger, Agent                                  Diana Riley, Agent
   Afton Smith, Agent                                  Liz Ramos, Quote/Acct Specialist
   Ray Wicker, Agent                                   Erica Jasso, Quote/Acct Specialist
   Richard Griswald, Agent                             Brandy Hawkins, IT/Acct Spec



                                   dibsinfo@dibsinsurance.com                             5
                                                            Sold Benefit Plans in 2008
Deductible                                $500 In-Network           $1,000 In-Network         $5,000 In-Network (105-C)*($1,000 Employee
                                                                                                 Responsibility/$4,000 Employer Funded)
Co-Insurance                              90/10 In Network         90/10 In-Network                         80/20 In-Network
Out of Pocket Maximum                     $1,000 In-Network       $2,000 In-Network                               $3,000
Office Visit Co-Pays                           $30/$30                  $30/$30                                  $30/$30
Prescriptions                                $5/$30/$60               $5/$30/$60                               $5/$30/$60
                                                                                                    *Over Under Funding of Deductible
Employee Only Rate                             $425.00                  $350.00                                  $225.00
Employee & Spouse                              $850.00                  $700.00                                  $450.00
Employee & Child(ren)                          $800.00                  $650.00                                  $375.00
Family                                        $1,250.00                $1,000.00                                 $600.00
                                                      This information is based on a 100 life case.
                                         **Average Rate Increase on $5,000 Deductible Program is 1- 4%**


                                                           Medical Expense Reimbursement Plans
                                  This funding is used to offset high deductible programs by saving the difference between
                                           Low Deductible Higher Premium vs. High Deductible Lower Premium
              Monthly
Employees     January       February    March    April    May     June     July   August   September   October   November   December               Total
    1             $41.67                                                                                                                          $500.04
                                                                                                                                       $41.67 x 12 Months




   100            $41.67                                                                                                                         $500.04

Total each     $4,167.00                                                                                                                        $50,004.00
Month        $41.67 x # of Employees                                                                                               =   Total Contribution ($500) x #
                                                                                                                                       of Employees

                                                     Less than 7% of all Americans use their deductible

                                           *Low Deductible/Pay Carrier – High Deductible/Shared Responsibility


                                                                dibsinfo@dibsinsurance.com                                              6
                             Group Health Plans
                              Today’s Health Plans Should Include:
Census                              Wellness
Claims Experience                   Physician and Specialist Co-payments
Premium Last 2 years                E.R. Co-payments
Employer Location                   Rx Co-payments
Zip Codes                           MRI-CAT Scans-Sonograms Co-payments and Co-
Fully Insured                       insurance
   OR                               Deductible – Two Tier, Low and Buy Up, Over/Under
Self Funded                         Funding
   OR                               Co-insurance 90/10, 80/20, 70/50
Premium Savings                     Definition of maximum out-of-pocket
                                    Major Medical
             Reimbursement


                                    “…designed competition between carriers.”


            Carriers:
Aetna
American Heritage Allstate                Low Cost Alternatives to Major Medical Plans:
BlueCross BlueShield
(National HMO)
BlueCross BlueShield of
Texas                                Mini Med program with Prescription Co-pay, Physician’s
Blue Shield of California            Co-pay, ER Co-pay, Limited in Hospital, Major Medical -
Cigna                                           $2,000 - $20,000 per calendar year.
Humana
Mutual of Omaha
Nationwide                          GAP buys out High Deductible Major Medical; an addition
PacifiCare                                           To your Base Group Plan
Principal
Reliance Standard
United Healthcare


                              dibsinfo@dibsinsurance.com                                  7
                               Dental Plan Management
                                  Option: Voluntary
                                        Indemnity, PPO, DHMO or Combination – Fully Funded or

Premium Savings Reserve                                        Self-Insured
                                     100% Preventative to include Panoramic x-rays.
Premium Savings Account
                                     90% or 80% reimbursement in or out of network
Claim Management
                                     Periodontic/Endodontic basic
GEO Access Reports
                                     Orthodontic child and adult
Capability Study of Carriers

Statement Of Work                    DHMO – Same benefits as PPO with Co-payments
Unique Spreadsheet Analysis
                                     ∗ Retiree coverage available (VEBA)(SWAME)


          All of our Dental Plans are individually designed for our clients needs.


Carriers:
Aetna                      Humana
Cigna                      United Concordia
MetLife                    PacifiCare
Spectera                   Mutual of Omaha
BlueCross BlueShield
United HealthCare




                                  dibsinfo@dibsinsurance.com                             8
                             Vision Plan Management
                               Option: Voluntary

Fully Insured                    PPO and Indemnity
Self Funded                      Employee, Dependent and Retiree eligible plans
    OR                           Voluntary Programs Available

Premium Saving Return
                                 Annual Exams with or without co-payment
GEO Access Reports
                                 Lens and Frame every 12 months
Claims vs. Premium Reports
                                 Contacts 90 or 180 days refilled
Spreadsheet Analysis
                                 ∗   Medically necessary 100% paid

Carriers:                        Contract in or out of network

Avesis       Spectera            Reimbursed schedule for usage

Block Vision VSP
Cigna                            ∗   LASIK discount available



                  All of our Vision Plans are specifically designed
                                for our clients needs
                                38 National Providers




                                dibsinfo@dibsinsurance.com                        9
                           Group Life Insurance
                    Short Term and Long Term Disability
                            Option: Voluntary
Product Design                   Group Base Life Insurance: Employer Paid
High Limits                      Group Dependent Life Insurance and
Fully Insured                          Group Buy Up Life Insurance: Employee Paid
Claim Management                  Group Life : Permanent for Retirees
Onsite Enrollment                 Group Medicare Supplement
Excel Enrollment
IT Enrollment                    Disability:
                                 Short Term (Maternity)
Top Carriers                     1-8-13; 1-13-13 Weeks
                                 1-8-26; 26 Weeks

                                 Long Term
                                 30 day wait, then payable for 2 year, 5, 10, age 65, age 67
                                 60 to 90 day wait, then payable for 5, 10, age 65, age 67
                                 180 day, age 65 to age 67
                                 Coordinate with short term disability to age 65, age 67

                                 Voluntary Products:
                                 Cancer, Hospital Indemnity, Accident, & Life




Carriers
MetLife
Aetna
United Healthcare
Humana
Mutual of Omaha
Unum Provident
Spectera
PacifiCare
GE
Fortis




                             dibsinfo@dibsinsurance.com                                    10
                                   Federal Tax Benefits

125-C Cafeteria Plan
    Administration                      Diversified will provide its clients with:
Medical Expense Reimbursement                  1) Election of Benefit “Full 125-C” Employee
    Plan (MERP) 105C                              Forms
Voluntary Employees Beneficiary                2) Employer or Employee Health Savings Account
    Association (VEBA) 419 a, f, 6, 9             (HSA) Applications
Southwest Association of Medical               3) HIPAA Privacy Act Release Form
    Employees (SWAME) 501-C                    4) HIPAA Portability Act Request Form
Employer Employee Benefit                      5) Medical Expense Reimbursement Plan
    Administrators Inc. (TPA)                     Administration 105C
COBRA Administration                           6) Voluntary Employees Beneficiary Association
HIPAA Privacy Act                                 Administration 419, a, f, 6, 9
Health Savings Account (HSA)
                                        Diversified provides service for COBRA participants.


                                        Diversified Benefit Trust Services:
                                         Health Savings Account (HSA)
                                         Health Reimbursement Account (HRA)
                                         Cafeteria Plan Health Contributions
                                              Employer or Employee
                                         Medical Expense Reimbursement Plan
                                         Voluntary Employee Beneficiary Association




                                    dibsinfo@dibsinsurance.com                                  11
Diversified                                Volume
    Employee
        Benefit
                                           Life Insured: Over $1 billion in benefits
              Services, LLC.
                                           Vision: $4 million in premium
                                           Dental: $16 million in premium
Home Office:
                                           Health: $60 million in premium
3463 Magic Dr., Suite 137
San Antonio, TX 78229
(866) 320-3327                             27 states licensed

(210) 558-3377                             50 states insured

(210) 558-3332 FAX                         International

Webpages:
www.dibsinsurance.com                      Insuring the Business, Medical, and Federal

www.debsinsurance.com                            Community.


7 Decades of Employee Benefits
Experience
                                           In Conclusion:


                                           We at Diversified welcome the opportunity to

     We are the Competition!               do business with you. Using the most current
                                           insurance technology, you will get the best
                                           benefits possible. We look forward to hearing
                                           from you. Please call, email, fax, or visit our

Other Services:                            website.

Employee Handbook Design
Staff Leasing / PEO


Medicare Supplement Age 65+
Products:
419A VEBA
Long Term Care



                                 dibsinfo@dibsinsurance.com                              12
       Employee Handbook Design/Staff Leasing
PEO, Payroll, Workman’s Comp, Employee Benefits, 401K,
                and Human Resources




                           Notes:




                   dibsinfo@dibsinsurance.com       13
                                               2009 Calendar

         January                                          February                         March
Su Mo Tu We Th Fr Sa                            Su Mo Tu We Th Fr Sa             Su Mo Tu We Th Fr Sa
                      1       2 3                1    2    3    4    5   6   7    1   2    3    4   5   6   7
 4   5    6       7   8       9 10               8    9 10 11 12 13 14            8   9 10 11 12 13 14
11 12 13 14 15 16 17                            15 16 17 18 19 20 21             15 16 17 18 19 20 21
18 19 20 21 22 23 24                            22 23 24 25 26 27 28             22 23 24 25 26 27 28
25 26 27 28 29 30 31                                                             29 30 31

          April                                                May                             June
Su Mo Tu We Th Fr Sa                            Su Mo Tu We Th Fr Sa             Su Mo Tu We Th Fr Sa
              1       2       3       4                                  1   2        1    2    3   4   5   6
 5   6    7       8   9 10 11                    3    4    5    6    7   8   9    7   8    9 10 11 12 13
12 13 14 15 16 17 18                            10 11 12 13 14 15 16             14 15 16 17 18 19 20
19 20 21 22 23 24 25                            17 18 19 20 21 22 23             21 22 23 24 25 26 27
26 27 28 29 30                                  24 25 26 27 28 29 30             28 29 30
                                                31

              July                                         August                         September
Su Mo Tu We Th Fr Sa                            Su Mo Tu We Th Fr Sa             Su Mo Tu We Th Fr Sa
                  1       2       3       4                                  1             1    2   3   4   5
 5   6    7       8   9 10 11                    2    3    4    5    6   7   8    6   7    8    9 10 11 12
12 13 14 15 16 17 18                             9 10 11 12 13 14 15             13 14 15 16 17 18 19
19 20 21 22 23 24 25                            16 17 18 19 20 21 22             20 21 22 23 24 25 26
26 27 28 29 30 31                               23 24 25 26 27 28 29             27 28 29 30
                                                30 31

         October                                          November                        December
Su Mo Tu We Th Fr Sa                            Su Mo Tu We Th Fr Sa             Su Mo Tu We Th Fr Sa
                      1       2       3          1    2    3    4    5   6   7             1    2   3   4   5
 4   5    6       7    8          9 10           8    9 10 11 12 13 14            6   7    8    9 10 11 12
11 12 13 14 15 16 17                            15 16 17 18 19 20 21             13 14 15 16 17 18 19
18 19 20 21 22 23 24                            22 23 24 25 26 27 28             20 21 22 23 24 25 26
25 26 27 28 29 30 31                            29 30                            27 28 29 30 31




                                              www.dibsinsurance.com
                                              www.debsinsurance.com
                                                     (800) 990.3427


                                              dibsinfo@dibsinsurance.com                                        14

								
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