dibs Advantage, Diversified Insurance & Benefit Strategies

Products & Policies

The coverage lines we design, place and manage.

Every product below is built to your funding model, your workforce and your budget, never a cookie-cutter contract.

Coverage lines

Products built around your people.

Each line is reviewed against claims experience, contract language and market benchmarks before it ever reaches your policy document.

Group Health benefits

Group Health

Design fully insured, self-funded, level-funded, captive, ICHRA and PEO-aligned medical benefit strategies customized for your company's needs.

  • Funding strategy comparison with modeled outcomes
  • Network, formulary and plan design review
  • Claims and pharmacy analytics behind every recommendation
Dental benefits

Dental

Group dental solutions with custom plan designs and funding models tailored to your organization's needs.

  • PPO, DHMO and self-funded design options
  • Maximum, ortho and rollover benchmarking
  • Multi-year rate guarantee negotiation
Vision benefits

Vision

Protect your employees' eyesight with customizable vision coverage across both fully insured and self-funded group plan designs.

  • Frame allowance and lens option comparison
  • Network access review by location
  • Voluntary versus employer-paid modeling
Long & Short Term Disability benefits

Long & Short Term Disability

Short and long-term disability solutions including fully insured, self-funded and state-mandated disability programs.

  • Definition-of-earnings and offset review
  • Income protection gap analysis for highly compensated employees
  • State paid leave and STD integration
Life benefits

Life

Employer-paid and voluntary life insurance programs, including group life, voluntary life and AD&D, that help employees protect their loved ones and provide financial security in the event of death or a serious accident.

  • Employer-funded and voluntary life benefit design benchmarking
  • Employee protection gap analysis
  • Carrier market review, portability provisions and beneficiary education support
Worksite & Supplemental Benefits benefits

Worksite & Supplemental Benefits

Maximize ROI and employee engagement with voluntary benefits that make sense. We build custom, aligned voluntary benefit strategies.

  • Accident, critical illness and hospital indemnity design
  • Enrollment strategy that drives real participation
  • Carrier consolidation and billing simplification
Executive Benefits benefits

Executive Benefits

Attract and retain leaders with tailored executive benefit plans and buy/sell insurance strategies.

  • Executive carve-out disability and life design
  • Buy/sell and key person funding strategies
  • Nondiscrimination and tax considerations reviewed

Are your benefit dollars aligned with the products employees value most?

Request a product review