Welcome to Dimensions Incorporated

Products -- Health Insurance

Dimensions Incorporated represents the leading carriers for health insurance. We offer health insurance plans for small employers as well as large national employers.

Through out partnership with Benemax, we offer cutting edge Consumer Directed Health Care plans.

Benemax is the oldest Consumer Directed Health Care Company (CDHC) in the US and is one of the Top 15 CDHC providers according to Workforce Management magazine. Our Consumer Directed Plans combine four essential elements:

• A "High Deductible Health Plan" (HDHP) that provides 100% coverage for the 20% of members who incur more than 80% of all claims ... but leaves enough room underneath for the employer to benefit from the good claims experience of the 80% of members who incur less than 20% of claims.
• A “Wrap" that limits each member's out-of-pocket health care cost exposure to a level set by the employer.
• A optional "Benefit Bank" that allows employees to budget out-of-pocket health care costs and, in some cases, to accumulate funds long term for future healthcare needs. Available accounts include FSA, HSA & HRA.
• "Concierge Customer Service”, a combination of hands-on and on-line services that promote members’ health, foster pro-active consumer behavior, and deliver on-going employee education & customer service.

These features can be combined in various ways to create different levels of Consumer Direction:

Virtual Indemnity Plan (VIP), our first stage CDHP, simply combines a High Deductible Plan with a thin layer of employer-funded benefits (Wrap). Employers benefit from employees' good claims experience while members enjoy freedom to use doctors and hospitals of their choice.

Triple Option Plan (TOP), our second stage plan, allows each employee to choose among three benefit levels and pay an appropriate premium differential accordingly:

• "Gold" typically provides VIP benefits (100% benefits, 100% freedom).
• "Silver" exposes the employee to modest out-of-pocket costs but reduces the employee’s premium contribution.
• "Bronze" provides catastrophic protection only: the employee takes responsibility for a higher deductible in exchange for a much lower premium contribution.

Equity Account Plan (EAP), our third stage CDHP allows employees to participate in tax favored accounts that accumulate equity which can be used to fund healthcare costs down the road:

A Flexible Spending Account (FSA) allows the employee to fund one year's out-of-pocket health care costs with pre-tax dollars.

A Health Savings Account (HSA) allows the employee to accumulate pre-tax dollars to fund both current and future health care costs. Funds may be invested and qualified payouts are received tax free.

A Health Reimbursement Account (HRA) allows the employer to fund a "benefit bank" for each employee. Funds can be carried over from year to year but unlike FSA and HSA funds, HRA funds revert to the employer when an employee terminated coverage.

The marketplace offers many different types of health insurance contacts. We provide employers with contract comparisons and a thorough analysis of available options.

Chosen benefit plans may be offered on a fully insured or self-funded basis:

Indemnity Plans - provides total freedom of choice and reimburses the member for eligible medical expenses based on a usual, customary, and reasonable charge schedule established by the carrier and based on the geographic location of the service provided.

Health Maintenance Organization (HMO) - provides a program with a network of hospitals, doctors, and other healthcare providers who work together to manage the care of the patient. The member must utilize network providers in order to receive plan benefit.

Point-of-Service (POS) - Gatekeeper and Non-Gatekeeper Plans. The gatekeeper plan offers a network of physicians, and requires referrals from the Primary Care Physician for specialty care. A non-network environment, subject to deductibles and coinsurance is also available. A non-gatekeeper POS does not require referrals from the Primary Care Physician.

Preferred Provider Organization (PPO) - provides a network of hospitals, doctors, and other health care providers who contract with insurance carriers to provide their services on a discounted fee basis. An insured member may use the network at will, without the need for referrals and may elect to use out-of-network providers subject to an additional charge for the service rendered.

Dimensions Incorporated will find the health insurance plan that meets your financial requirements as well as the needs of your employees.