I am an employer
HR, finance, or owner at a company that already offers group health.
Start hereLicensed Independent Group Benefits Advisor
Your renewal went up again. Let us find out why.
I help employers with 10 to 1,000 employees on a group health plan spend less, put more take-home pay in employees' pockets, and keep their best people. I am paid by the carrier, not by you.
“Group Benefits Better™ because I do Group Benefits Differently™”
Where should we start?
I am a referral partner
You have a client whose benefits cost is in the way of what you sell.
Introduce usThe numbers behind the pressure
60.6%
The federal limit on out-of-pocket costs for single coverage rose 60.6% from 2015 to 2026, from $6,600 to $10,600.
Source: Calculated from KFF-reported ACA limits. KFF 2015 Employer Health Benefits Survey and KFF 2026 Employer Health Benefits Survey.
37%
In 2026, 37% of firms with 10 to 199 workers that offer health benefits offer a level-funded plan.
Source: KFF 2026 Employer Health Benefits Survey, Plan Funding, Figure 10.831%
pay raise an engaged employee needs before seriously considering leaving
Source: Gallup, 2022The four parts
Most agents sell group health and voluntary benefits. I build from four, and I run the enrollment.
1
Group Health Insurance
Fully insured or level funded. The core plan, priced the way that fits your group.
Learn more2
Wellness Plan
Shifts routine care off the health plan and lowers taxable income through Section 125.
AgentDavidCares.com does not provide tax advice. Tax savings vary by individual. Please consult your accountant or tax advisor.
Learn more3
Medical Balance Protection™ (Gap)
Pays the provider toward what the health plan leaves behind. Not the thing on your car.
Medical Balance Protection™ can help employees with the out-of-pocket costs left after the group plan pays. It works with traditional and level funded plans.
Learn more4
Voluntary Benefits
Dental, vision, life, disability, accident, cancer/heart/stroke. Chosen by the employee, paid to the employee.
Learn more
From Farm to Office™
Different animals, different needs. Same with your workforce.
Hello. I am David Vudragovich. Licensed since 2007. Started in group benefits in 2016. I live on top of a mountain about 45 minutes from Crossville, Tennessee (you know, the big city).
I am not a one-trick pony. Your benefits get built around your people, not a carrier's catalog. And the person you meet on the first call is the person who answers the phone in March.
Meet DavidCommon Questions
What does an independent group benefits advisor do?
An independent group benefits advisor works with more than one carrier, so the advice is not tied to a single company's catalog. I review the plan you already have, look for places where your group may be overpaying or leaving employees exposed, and build a benefits strategy around your people. I also run the enrollment.
What does it cost to work with you?
There is no cost to your company for the review or for my ongoing services. I am paid by the carrier, not by you. The carrier's commission is already built into the premium, so you do not pay anything extra.
What size employers do you work with?
I work with employers that already offer group health insurance and have 10 to 1,000 employees.
What is Medical Balance Protection™?
Medical Balance Protection™ is a separate benefit that can help employees with the out-of-pocket costs left after the group health plan pays. It pays the medical provider directly and works with traditional and level funded plans. Results vary.
Do you only work in Tennessee?
No. I am based in Pikeville, Tennessee, and I serve employers throughout Tennessee and surrounding areas by video or in person. If you are in another state, ask. Licensing varies by state.
There is no cost for a review, because I am paid by the carrier. Let us see what your group is overpaying for.
Book a Free Review