Services
Benefit strategies should never be based on guesswork. dibs Advantage transforms your claims data into clear, actionable strategy through benchmarking, modeling and disciplined contract work.
Our approach
Delivering value for our clients in every direction. Select a direction to see the work behind it.
Benefit strategy should never be based on guesswork. We turn claims data into clear, actionable direction, then model the designs that actually bend the trend.
Cost control & benchmarking
Solutions are tailored to your size, because the data available depends on it.
How rates get built
Cost planning is hard for employers without access to claims experience data, and carriers are often unable or unwilling to provide the detail.
Depending on your size, your company rate can be a blend of carrier manual rating formulas and your actual company claims history. If you cannot see the second half, you cannot challenge the first.
dibs Advantage performs in-depth claims and underwriting analysis, producing loss ratios and much more, so you know whether the rate structure for your plans is defensible.
Savings generated in a transparent arrangement are typically shared with the carrier, no questions asked.
Contract review
Carrier contracts are full of nuanced language, hidden risk and hidden cost. We perform detailed contract analysis so employers can understand, negotiate and optimize their benefit agreements.
Employee communications
We take dense, complicated plan information and turn it into clear, readable employee communications, with multi-channel and bilingual enrollment support behind it. Employees undervalue what they do not understand.
Personalized guidance that helps each employee understand the tradeoffs between the options available to them.
Videos, postcards, text campaigns, mobile-friendly materials and microsites, built for how your workforce actually reads.
Bilingual benefit counselors and materials so language is never the reason a benefit goes unused.
Complex plan documents turned into clear, actionable summaries and one-pagers employees can act on.
Visibility into engagement, benefit utilization and communication effectiveness.
Proactive wellness and benefit campaigns instead of one annual scramble.
Coordination
Our focus is your benefits program: evaluating, selecting, optimizing and properly leveraging benefits administration platforms so your team stops chasing paperwork.
Outsourcing, state disability integrations and single intake solutions.
Compare options and implement efficiency while controlling cost, simplifying new hire, term and change processes.
EAP support, care navigation, advocacy, caregiving and mental wellness programs administered alongside your core plans.
When your benefits program changes, we support the rollout: admin readiness, employee messaging and portal training.
Cost-to-hire modeling, benefit retention strategies and satisfaction oversight.
Explore billing options such as self-bill, with audit support.
Ben-tech & platform consulting
Benefits technology only pays off when it is selected for your workflow and configured correctly. We own that process end to end, from needs analysis through annual optimization.
Map your current benefits workflow, connections and pain points before anyone demos a platform.
Objective benefits administration platform comparisons scored against your requirements, not a preferred vendor list.
Build, EDI and API connections, testing and go-live managed with the vendor so your team is not project managing alone.
Admin training, employee-facing guidance and support as your HR team turns over.
Eligibility audits, self-bill setup and reconciliation so enrollment data matches what you are paying for.
Post-renewal review to close configuration gaps and automate possible manual processes from the previous year.
Absence & leave management
FMLA, state paid family leave, ADA and disability all interact. We consult on building streamlined, defensible processes across them.