Employee Benefits for your Group, Finding the Right ‘Fit’

Employee Benefits for your Group, Finding the Right ‘Fit’ with DH&B

Not all employee benefits bring the same value to employees. Not all workplaces have the same needs. Here we will take a look at some key considerations to look at when offering Employee Benefits for your Group.

Since 2005, Dublin Health & Benefit Group, LLc, (DH&B) has worked with groups in New Hampshire on benefit portfolio design. We spend a good deal of time to determine the right “fit” for your unique group. DH&B an independent brokerage and that means we represent you, the client, and not the carrier. We will only recommend the product(s) and carrier(s) that fit your needs so you can focus your attention on growth and sustainability, employee retention being key.

“I LOVE my job!” Sound good to you? The right benefits provide enough security to your employees who show up day after day, year after year, with complete job satisfaction!

Cost Savings

If insurance can be more affordable with a group plan, or on the marketplace with a possible tax credit, we’ll be sure to tell you. We can offer employees individual insurance (with possible tax credit if they are eligible) or recommend to you group health plan designs paired with HRA (Health Reimbursement Accounts), FSA (Flexible Spending Accounts), HSA (Health Saving Accounts) options. We balance the need for offering great, affordable health coverage while maximizing tax savings where we can find it.

When you pair a high deductible health plan with a HRA, FSA or HSA option, you create tax saving opportunities for the employer and employee to fund out of pocket medical expenses that are tax deductible.  Some of our partners are Group Dynamics, Benefit Strategies, and HealthEquity, all of who are third party administrators (TPA) who offer HRA, FSA and HSA administration at a low cost.  The employer can manage these plans with the TPA themselves or outsource this task to Dublin Health & Benefit Group, LLc for a small fee. Our job is to help small groups fill the management gaps that exists by providing solutions that are affordable and time effective

Group Size

We find that groups under 100 employees have great flexibility when designing benefit portfolios. Employers of groups under 100 employees know their employees on a personal level. Employees are like family and, in many cases, are wearing several different hats which makes them indispensable. We value all of your employees and will treat them like our family, too!

MORE ABOUT DH&B

It’s always important for us to understand your group size and your organizational structure to access whether offering everyone health insurance is feasible and in everyone’s best interest.

  • Should certain benefits only be available to full time employees?
  • How much should the employer fund toward the cost?
  • Does offering benefit disqualify employees from receiving a federal tax credit on the individual marketplace?
  • What happens if the group participation rate is too low for a group plan?

We have strategies to work through these challenges and many more as we explore with you the downfalls and opportunities between group health insurance and individual marketplace insurance. Believe it or not, we will talk you OUT of offering a benefit if we believe it is not the best “fit” for your group.

Let’s hear more employees say, “I LOVE my job!”

Give us a call today, Dublin Health & Benefit Group, LLC (DH&B)

603-563-8820 Group Department x 104

Individual * Medicare * Group Insurance and Ancillary Benefits
Dental * Vision
Life/Accidental Death & Dismemberment
Short Term Disability / Long Term Disability
Critical Illness / Accident Insurance
Digital HR Software and HR Solutions for Outsourced HR
Digital Employee Risk Management Solutions
COBRA
Section 125
HRA / HSA / FSA

Digital Employee Management Solutions for Groups size 2-100

One Call Does it all!

Dublin Health and Benefit Group, LLc has expanded it’s team, and is offering more services!

New Digital Employee Management Solutions for Groups size 2-100 have been added to the menu of group employee benefit products.

Are you ready for a new digital employee management solution to help you move your employee files online? Our digital employee platform makes it easy for even non-tech savvy employers and managers. This secure platform will help move your workplace to a whole new level as you begin to implement the following employee management processes online:

  • Digital employee files with 7 year record retention
  • Online new hire on-boarding online complete with digital signing of I-9 and W4 forms
  • Employee time off management system with mobile app
  • Integrative solutions to work with select payroll processing companies, and employee benefits administration.

Paired with our HR Solutions software you can also enjoy:

  • Compliance and risk management resources
  • Workplace safety learning library
  • HR Advisors hotline with unlimited access for advising
  • Handbook builder tool
  • more…!

One call does it all! Dublin Health & Benefit Group LLc is a great resource providing group benefit solutions throughout New Hampshire.

In case you didn’t know it, here is what we offer for groups, individuals and Medicare clients:

  • Health, dental, vision insurance
  • Life, STD/LTD, critical illness, accident insurance,voluntary life
  • HR outsourced solutions- advisors, compliance tools
  • Flexible spending accounts/ Health reimbursement /Health savings account solutions
  • Cobra administration solutions
  • Group, Individual, Medicare Supplements and Advantage plans, Part D – health insurance
  • Short term medical insurance
  • International travel and medical insurance

One call does it all! Dublin Health & Benefit Group LLc 603-563-8820

Employee Benefits x104

Individual and Medicare x101 and x109

Should I have Dental Insurance?

Delta Dental…should I have dental insurance?

 

Should I have dental insurance? This question comes up at Dublin Health and Benefit Group all the time.  3 scenarios below detail when the answer should be “DEFINITELY YES”, “MAYBE” OR “PROBABLY NO”.

No matter what you decide, the advantages of owning a plan include:

  • Pre-negotiated discounting of services so when you need care it is less expensive or paid by insurance;
  • Dental expenses are monthly budgeted rather than a sudden budget busting catastrophe;
  • Higher likelihood you will maintain your teeth and discover problems early on…people with coverage are more likely to go for preventive services;
  • Helps manage ongoing care plans from year to year.

       Definitely Yes                             Maybe                              Probably No

I have a care plan with multiple thousands in care anticipated. I only do preventive care but like the budget approach to access (limited resources). I only do preventive care and I have unlimited resources.
I am adhering to a tight monthly budget. I do preventive care and an occasional filling. I have a fully funded H.S.A with plenty of money to self-insure.
I want to consistently get routine care and don’t like surprises. I need cleanings but also have Periodontic needs. I have dentures and don’t need care.
I am seeking discounts for the cost of care. I have a fixed income and large unexpected expenses are difficult for me to handle I don’t have teeth or dentures.
My children need braces 6 months or more from now.   I have very limited resources and other priorities leave me broke each month.

 

Next Step: So Should I have Dental Insurance? If you answered “Definitely Yes or Maybe”…call us at 603-563-8820 or email sales@dublinhealth.net  for advising about plan options.

Or Enroll NOW yourself!

Individual Health Insurance is also available.