Diversified Group Brokerage (DGB) works closely with each of our clients to consider their health insurance needs, and then we evaluate the marketplace and create the best plan - one that provides affordable benefits and gives the company and its employees more choices. We also work with our clients to implement and manage their healthcare plans. We strive to develop long-term relationships with our clients by constantly monitoring their insurance plan usage, keeping a careful watch on cost controls, and planning for future needs.

We are experts in self-funded insurance, which allows employers to pay only for the claims they incur - instead of paying into a traditional “use it or lose it” fully funded insurance plan. We contend that there is no equity in fully insured plans; self-funding is a desirable option for a growing number of employers across the country.

Our focus is on securing reduced-risk or alternative-risk arrangements for our clients, geared to save them money. We offer a full range of health insurance management services including case underwriting, specific and aggregate stop loss contracts, health savings accounts, health reimbursement accounts, cafeteria plans, Section-125 flexible spending accounts, creative insurance plan designs, utilization reviews, a diverse selection of national and regional provider networks, wellness programs, and benefit and plan design consulting.

While self-funding offers employers significant cost savings, DGB takes the concept a step further by ensuring the programs are customized and effective for each employer. We work with the client to develop a comprehensive healthcare plan, and then adjust the plan as the employer’s risk level, use or needs change. By “partnering” with our clients, we are able to make ongoing, educated decisions about how to structure their health plan.

To help control potentially devastating costs of claims associated with catastrophic illness or accidents, we offer tailored stop-loss insurance coverage. As a general agent for top-rated stop-loss insurance companies such as American United Life (AUL), Trustmark, The Hartford, AIG, NY Life, Nationwide and Alliance, we are able to offer complete risk evaluations for our customers and recommend a carrier that is most cost-effective and appropriate for their situation.

DGB has a robust online component that can help reduce administrative work for our clients. In addition to having updated account information available around-the-clock, clients can use our Web site for fast turn-around with ID cards, questions, reports and more. This is a valuable tool for top-quality, responsive account management.

For more information on DGB and our services, please contact us at 1-800-423-5573.