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Group benefits designed to help businesses attract and retain great employees.
D&E Insurance Group helps Arizona employers explore group health and employee benefit options that fit their workforce, goals and budget.
A well-designed benefits program can be an important part of attracting employees, retaining your team and supporting your business.
Employee benefits can include group health insurance along with dental, vision, life, disability and other benefit options available to eligible employers and employees.
The right benefits package depends on factors such as the size of your workforce, employee needs, employer contribution strategy, budget and available plan options.
D&E Insurance Group helps Arizona businesses evaluate employee benefit options and build a benefits program that makes sense for both the employer and its employees.
Employers can combine different benefit options to create a package that fits their workforce, budget and recruiting goals.
Group Health Insurance
Group health plans can help eligible employees and their families access medical coverage while giving employers an important benefit for recruiting and retention.
Dental & Vision
Dental and vision benefits can complement medical coverage and give employees additional options for routine care and eligible services.
Life & Disability
Group life and disability options can provide additional financial protection for employees and may strengthen an employer’s overall benefits package.
Plan availability, eligibility requirements, employer contributions and coverage options vary by carrier and group. D&E Insurance Group can help employers compare available options and understand how different benefits may fit together.
Employee benefits can be an important part of your overall compensation strategy and how your business competes for talent.
Attract Great Employees
A competitive benefits package can help your business stand out when recruiting qualified employees in a competitive hiring market.
Retain Your Team
Benefits can add meaningful value beyond wages and may help employees see greater long-term value in remaining with your company.
Strengthen Compensation
Health and other employee benefits can become part of a broader compensation package designed around your workforce and business goals.
You don’t necessarily need the largest benefits package to create value for employees. The goal is to understand your workforce, available options and budget and then build a program that makes sense for your business.
A benefits program should reflect your workforce, budget and business goals rather than taking a one-size-fits-all approach.
Workforce Needs
Consider the size and makeup of your workforce, employee priorities, eligibility requirements and the types of benefits that may provide the most value.
Employer Contributions
Employers can evaluate how much they want to contribute toward eligible employee coverage while considering affordability and applicable plan requirements.
Plan Design
Deductibles, copays, coinsurance, out-of-pocket limits and other plan features can affect both employer cost and the employee experience.
Carriers & Provider Networks
Available insurance carriers, provider networks and plan options can vary. Comparing more than premium alone can help employers understand the differences between available plans.
D&E Insurance Group can help Arizona employers compare available benefit options and evaluate how cost, coverage and plan design work together.
The cost of employee health benefits depends on several factors, including the group, plan design and coverage options selected.
Plan Selection
Deductibles, copays, provider networks and other plan features can affect premiums as well as the amount employees may pay when they receive care.
Employer Contribution
Employers can determine how much they contribute toward eligible employee coverage, subject to applicable carrier and plan requirements.
Employee Contribution
Employees may pay a portion of their premium, and costs can vary depending on the coverage selected and whether dependents are included.
Looking only at the monthly premium may not tell the whole story. Employers should also consider deductibles, out-of-pocket costs, provider access and how the plan will work for their employees.
D&E Insurance Group can help Arizona employers compare available options and evaluate the balance between employer cost, employee cost and coverage.
Employee benefits shouldn’t only be reviewed when something goes wrong. Changes in your workforce, costs or business goals can all be reasons to revisit your program.
Before Your Renewal
Reviewing your benefits before renewal provides time to evaluate plan changes, premiums, carrier options and whether your current program still meets your goals.
When Costs Increase
A significant premium increase can be a good reason to compare available options, plan designs and employer contribution strategies.
As Your Workforce Changes
Hiring, growth, employee turnover or changes in workforce needs may affect which benefit options make the most sense for your company.
When Adding New Benefits
Employers looking to add dental, vision, life, disability or other benefits can review how those options fit alongside their existing program.
D&E Insurance Group can review an existing employee benefits program and help Arizona employers compare available options before making changes.
Common questions Arizona employers ask about group health insurance and employee benefits.
What types of employee benefits can a business offer?
Depending on available plans and eligibility, employers may offer group health insurance along with benefits such as dental, vision, life and disability coverage.
Does a small business have to offer health insurance?
Employer health coverage requirements can depend on factors such as the number of employees and applicable federal or state rules. Employers should review the requirements that apply to their specific business.
How much does group health insurance cost in Arizona?
Costs vary based on factors such as the group, available carrier options, plan design, coverage level and employer contribution. Comparing plans involves more than simply comparing monthly premiums.
How much does an employer have to contribute?
Contribution requirements can vary by carrier and plan. D&E Insurance Group can help employers review available options and understand applicable participation and contribution requirements.
Can employees add spouses or dependents?
Many group plans offer eligible employees the option to enroll qualifying dependents, although eligibility, coverage options and employee costs vary by plan.
Can we offer dental and vision without changing our medical plan?
Depending on available carrier options, employers may be able to add dental, vision or other benefits alongside an existing medical plan.
When should we start reviewing our benefits renewal?
Starting the review before the renewal date provides more time to evaluate changes, compare available options and communicate any plan changes to employees.
Can D&E review our current employee benefits program?
Yes. D&E Insurance Group can help Arizona employers review their existing benefits program and compare available options based on their workforce, goals and budget.