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Small Group (Select) Plans

Diversified Group offers exciting benefit plan options for the smaller employer group - those with 25 to 99 emloyees. Groups of this size have always been told that it's too risky to be self-funded and that they need to be fully-insured. We disagree.

Here is what the fully-insured market offers groups with 25 to 99 employees:

  • NO Claims Experience
    • Where do your premium dollars go?
    • Are you supporting the market, or being supported by it?
  • Significant Rate Increases Every Year
    • No justification or reasoning from the carriers
    • Increased costs with NO explanation?!

We feel that these options seem RISKY and we have to ask - where else would this type of business practice be accepted?

Small Group Select Plans from Diversified Group Offer:

  • Premium Savings Compared to Fully Insured Plans
  • Sensible Caps on Claims Exposure
  • Enhanced and Customized Reporting
  • Transparency on All Claims Payments
  • Information!!!
  • Customized Health & Wellness Options Designed Around Your Goals
  • Efficient & Consistent Plan Designs
  • Relief from State Mandates
  • Improved Cash Flow
  • Premium Tax Savings

Most of the tremendous growth that has taken place in self-funding recently has actually been among smaller companies, some with no more than 25 employees. The economic advantages of self-funding do not change with the number of employees enrolled in the plan. The key is purchasing the appropriate level of stop loss insurance. Many smaller companies have found self-funding to be very cost effective, flexible, informative and successful.

Regardless of the number of employees enrolled in a self-funded plan, Diversified can design strategies such as utilization management, consumerism, risk management and wellness-related education that can be incorporated to allow the self-funded concept to succeed for you!

For more information, or to obtain a quote, contact a Diversified Group Account Representative at 888-322-2524 today.