Understanding Different Types of Life Insurance

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Healthcare EcoSystem
- Health Plan Strategies
  Health Plan Strategies
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  Is your healthcare plan transparent and efficient?
  
  Plan utilization and Sustainability
  
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  Shared Savings Analysis
  
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  Value Based or Reference Based Pricing
  Plan Utilization & Sustainability
  
  Are you regularly reviewing the utilization of your plan? DBP will evaluate plan performance based not only on financial risk but member behavior. We can analyze plan metrics to provide actionable member strategy and develop meaningful plan designs to meet the unique needs of your organization.
  
  Hospital & Physician Contracting
  
  Network contracting plays a significant part in the performance of your plan. Deeper network discounts and a broad physician footprint ensures your employees have the access to care they need. We will analyze both network performance and access to ensure you plan’s performance is supported.
  
  Accountable Care Solutions
  
  Accountable Care Solutions (organizations) are the next genesis of the healthcare ecosystem. With a move away from fee for service, to paying for the performance and outcomes of patients, we are able to drive better population health management. DBP will vet and analyze various accountable care health systems to ensure you have the benefit offering that meets your employees geographic and demographic needs.
  
  Shared Savings Analysis
  
  DBP’s self-funded customers are provided a detailed analysis of carrier cost savings mechanisms. We ensure that our customers are receiving the most competitive carrier contracts and financial arrangements…Delivering Transparency
  
  Value or Reference Based Pricing
  
  In addition to a deep dive comparison of plan benefits, and cost, DBP will also ensure you are provided alternative models of care such as Value Based Pricing.
  
  A system of setting the cost for a healthcare service in which healthcare providers are paid based on the quality of care they provide rather than the number of healthcare services they give or the number of patients they treat. Value-based pricing may give patients access to better treatments for lower costs.
  
  What Creates Health?
  
  How can health care engage?
- Pharmacy Strategy
  Pharmacy Strategy
  Does your Pharmacy Benefit Manager manage your Preferred Drug List based on Efficacy or Revenue?
  
  DBP will provide strategic analysis on:
  
  Rebates
  
  Ingredient Costs
  
  Administration Fee
  
  Dispensing Fee
  
  Specialty Drug
  
  Pass thru vs. spread pricing
  Specialty Rx
  
  Rebates
  
  Clinical
  
  Services
  
  Pricing & Purchasing
  
  Technology
  
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- Ancillary Analysis
  
  Ancillary Analysis
  
  Does your current benefit strategy focus on financially affordable yet quality coverage for your organization and employees? DBP’s value proposition is based on aggressive market negotiations delivering a healthcare package that offers affordability today and sustainability into the future. DBP provides a complete market analysis for all lines of coverage ensuring our clients and their employees are receiving the most competitive offering for the coverage provided.
  
  Dental
  
  Life
  
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- Doctor’s Desk
  
  Doctor’s Desk
  
  The goal of DBP’s medical team is to help ensure the best possible medical care for your employees. We believe in a multi-pronged approach that uses your own claims data to analyze your member’s most prevalent disease states. We use that information to build preventive measures with our robust wellness strategy.
  
  We will also act as a medical advocate to work directly with employees who are dealing with a complex medical condition. Understanding how your medical plan is being utilized from an individual level all the way up to a macro level, DBP can help you improve the quality of care of your employees as well as plan performance.
- Population Health Management
  Population Health Management
  Population-based health addresses social determinants and factor for health outcomes within a community.
  
  Understanding the economic and social conditions that influence individual and group differences in health status.
  
  Conditions in the places where people live, learn, work, play and worship affect a wide range of health risks and outcomes.
  Long Term Sustainability
  
  Health and well-being develop over a lifetime.
  
  Drivers of Health
  
  Social determinants drive health and well-being outcomes throughout the course of life.
  
  Demographic shifts
  
  The health system needs to address the key demographic shifts of our time.
  
  Innovative Models
  
  The health system can embrace innovative financial models and deploy existing assets for greater value.
  
  Partnership in Care
  
  Health creation requires partnership because healthcare only holds a part of the puzzle.
  
  What Creates Health?
  
  How can health care engage?
Core Disciplines
- Risk Management
  Risk Management
  DBP is uniquely positioned with Actuaries and Underwriters to analyze current and future risk. While we use the term “Data Geeks”, we passionately believe the current and historical performance data develop the ingredients of healthcare strategies today and tomorrow. Analytics include: Monthly, Quarterly, and Annual Reports. In addition, DBP utilizes real time data mining to allow us to address risk quickly and efficiently via proactive strategy, communication opportunities and clinical engagement opportunities. How agile is your strategy?
  
  Are you in need of loss exposure analysis and medical utilization reporting?
  
  The DBP Benefits Team will provide you with the ultimate transparent solution. We will:
  
  Appraise the value of your service providers
  
  Identify and monitor case management of your catastrophic claims
  
  Assess your network access and contracted discounts with physicians and facilities
  
  Service category utilization
  
  Evaluate your chronic disease cost and containment measures
  
  Formulate your employee contribution strategies and forecast the overall impact of our strategies on your budget
  
  Administer your monthly claim experience reporting, annual exposure, IBNR analysis and five year actuarial projections.
- Empowered Well-Being
  
  Empowered Well-Being
  
  DBP Health and Well-Being strategies are customized to complement the unique culture of the organizations we serve. Our dynamic approach will be the framework guiding employees and their families in their pursuit of optimal health and well-being. We will develop and deliver a diverse suite of programming to support personalized successes, allowing employees to experience autonomy in defining their degrees of achievement. Our goal is to provide a multi-faceted approach to support a higher level of employee engagement and satisfaction, affording clients a sustainable strategy in reducing the health risks of their human capital while retaining and recruiting valuable employees.
- Client Solutions
  
  Client Solutions
  
  Your DBP Client Solutions Team is thoughtfully assigned based upon the unique demands of YOUR company. Our goal is to provide services and solutions that fit the needs of your organization; not the other way around. Your Client Solutions Team has extensive industry experience as well as an average DBP tenure of 9.4 years. We pride ourselves on being innovative and nimble and will not restrict our services by additional charges or fees like some of our competitors. We consider ourselves an extension of YOUR team.
- Technology
  
  Technology
  
  DBP utilizes multiple platforms to effectively manage your data, from billing and eligibility oversight to the employee experience during enrollment. Our systems work directly with your payroll vendor and can provide more eﬃcient automation of benefit administration ensuring data is communicating through EDI and API feeds when available.
- Communication and Education
  
  Communication and Education
  
  DBP believes in the full spectrum of communication driving employees and associates to a higher understanding of beneﬁt knowledge and wellness initiatives. We make available a myriad of communication formats including but not limited to; personalized video production, custom beneﬁt guides and magazines, mailers, texting software, outbound/inbound education counselors.
- Compliance
  
  Compliance
  
  Employee Benefits is one of the most regulated industries; where lack of compliance can mean large penalties for employers. At DBP we perform a detailed compliance audit for every new client we engage, because we know the value in ensuring compliance is rigorously adhered to and maintained. We offer many resources such as access to benefit attorney’s, contract review, 5500 and ACA filings, distributions of annual notices to ensure that you, as the plan fiduciary, maintain the highest level of compliance.
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Understanding Different Types of Life Insurance

Life insurance is one of the most common employer-provided benefits. This article covers the basics of life insurance and the different types employers can offer to employees.

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