Employer Group Information
Group Benefits Better™
because I do
Group Benefits Differently™
"Employers typically see a total reductions of
$50 to $400 per employee per month
savings for any size group."
(Source: AgentDavidCares.com client experience — results vary by group)
Imagine your life if...
What if you had less turnover?
What if you spent less time hiring and training?
What if employees had more take-home pay?
Do you want these things?
Did you know?
Research from Gallup found that engaged employees
require a 31% pay increase
before they will seriously consider leaving a job they value.
(Gallup Workplace Research, 2024)
The right benefits structure gets you there, without a 31% raise.
Harvard University research found that
even a modest increase in employee take-home pay
- as little as $1 per hour -
produces a 2.8% increase in retention. (Harvard University, 2023)
Benefits are not a cost to minimize.
They are the infrastructure that keeps your best people
from doing the math and leaving.
Traditional Group Health
Simple and ready to go
What most group health coverage is
PROBLEM: MORE EXPENSIVE
Traditional fully insured plans:
All employers pay into the same pool.
Healthy teams end up subsidizing higher-risk groups
whether they realize it or not.
Level funded plans change that by your actual claims history
The coverage option if you have unhealthy employees or spouses
Level Funded group Health
Saves money for having
healthy employees!
Pass underwriting (answering a few health questions)
More affordable
Level funded plans price your group based on
your actual claims history
Possible year end refund if your staff stays healthy and uses less care than expected
Same coverage as Traditional Group Health Coverage
Helps pay the medical bills
Pays remaining medical balance
in whole or in part directly to the provider
Benefit amount matches your group health plan's
Maximum Out of Pocket (MOOP)
Reduces financial stress on employees without changing your group health plan
Voluntary Benefits
Offering the extras for your employees
These are the extras your employees can choose to help protect their family if something bad happens aka they have less financial stress
Dental and Vision
Life Insurance (even with health issues)
Disability Coverage (on or off the job)
Accident Coverage
Cancer/Heart Attack/Stroke
I represent many nationally known companies, local and nationwide networks
I am paid by the insurance carrier, no additional cost to you
You pay the same amount whether you use me or not, so let me find the savings for you
Wellness plan
The strategic move for healthier employees!
Reduces taxable income for employees
Shifts preventive and office visit expense away from group health insurance (helps reduce annual renewal)
Most generic medications and others available at $0 or low copay (helps reduce annual renewal)
Employers typically see added FICA tax savings per employee through a properly structured Section 125 plan
AgentDavidCares.com does not provide tax advice. Tax savings vary by individual.
Please consult your accountant or tax advisor
I work differently.
Through my General Agency, I have access to full back-office support, carrier relationships, claims assistance, and enrollment technology — without passing overhead costs to my clients.
You get the personalized attention of an independent advisor AND the infrastructure of an established agency behind every recommendation.
Same premium. Better service. No extra cost.
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 07/23/2026
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