Quality group health benefits can make the difference

Keeping good employees isn’t easy. Offering benefits like quality health insurance can help. ASA works with a variety of carrier partners that offer competitive rates, nationwide access, 24/7 customer support and many plans with coverage for prescription drugs and vision care. ASA can help you find the plan that best fits your operation.

Why Offer Insurance?

There are a number of reasons to offer insurance to your employees.

  • Attract and retain employees
    • As the labor market gets more competitive, it is difficult to attract and keep good employees. By offering insurance to your employees, you differentiate yourself from other employers. Employees see value in these benefits, which gives them another reason to stay with you
  • Improve productivity
    • When your employees have coverage, they are more likely to go for preventive services like physicals and screenings. Additionally, coverage encourages employees to go to the doctor when they are sick and get a prescription that may help them return to work more quickly. Having insurance coverage allows your employees to be healthier, return to work quicker and stay on the job
  • Compliance
    • As part of the health care reform law (ACA), employers with more than 50 employees are required to offer health insurance to their employees or face a financial penalty. DFA Insurance has a number of low-cost solutions that allow employers to be compliant with the law.

Employer–sponsored insurance can be offered or effective at any time of the year so you don't have to wait for a specific open enrollment period. *All products may not be available in all states.
 

DFA Insurance works with major carriers across the country

DFA Insurance works with major carriers across the country at the national and region levels. Carriers include United Healthcare, Cigna, Aetna and Humana. We also work with multiple Blue Cross Blue Shield plans, including national players like Anthem BCBS, as well as regional and statewide plans.

Product options

There are a number of product options that vary by heath carrier and region of the country. When looking at options, people are typically looking at three things: health plan design, provider network and price.

Group health product options

When looking at plan design and coverage, consider the following:

  • Deductible Levels
    • Deductibles can range from $500–$6,500. Consider what you are comfortable with and how those deductibles affect the cost
  • Out of Pocket Maximums
    • This is the most you will pay in a given year and can vary greatly
  • Prescription Drug Coverage
    • ‚ÄčConsider if you are more comfortable with low copayments or if prescriptions are subject to your annual deductible
  • Provider networks
    • Some carriers may only have one provider network available, while others may provide you a choice.  Smaller, more restrictive networks may allow you to keep your premiums costs down, but you always need to make sure your doctors and hospitals participate in the network

With all of these considerations, DFA Insurance will walk you through the process to ensure you have the plan that best fits you.

Explanation of Products

Products that may be available:

  • HMO – Health Maintenance Organizations (HMO) typically do not have out of network benefits which means if your doctor or hospital is not in the network, there is no coverage. HMOs also require you to choose a Primary Care Physician (PCP) and all of your care is coordinated through your PCP. HMOs are typically the most restrictive plans

  • PPOs  Preferred Provider Organizations (PPO) typically have the largest networks. They also have out of network benefits that require higher out-of-pocket costs. PCPs are not required

  • EPOs – Exclusive Provider Organizations (EPO) are similar to PPOs but they do not have out-of-network benefits

  • HDHPs  High Deductible Health Plans (HDHP) typically have higher deductibles than other plan designs. Typically, all benefits are subject to the deductible including prescription drugs except for preventive benefits which are covered in full. HDHPs can also be coupled with Health Savings Accounts (HSAs)

  • HSAs  HSAs are savings accounts that are owned by the employee and can be used for out-of-pocket medical expenses

  • STM Plans  Short Term Medical Plans (STM) are typically like PPOs in coverage and networks. The difference is that they only cover you for a short period of time (typically 60 days) and can be purchased outside of the annual open enrollment. Having one of these plans does not protect you from the healthcare reform individual mandate penalty

  • ASA Plan – Agri-Services Agency also administers our its own plans, which DFA Insurance offers, that follow all of the rules of healthcare reform. They are only available to certain individuals and in select states. Call DFA Insurance to see if it is available in your area

  • ASA Captive Health Plan  Through Agri-Services Agency, DFA Insurance also has a health captive program that is offered to employers’ group of two employees or greater. It follows all the rules of the healthcare reform law. This plan is only available to certain employers and in select states. Call DFA Insurance to see if it is available in your area