Health Benefit Advisors

Small Employers

The HBA Advantage

HBA offers the lowest rates on group health insurance around. Don’t waste time with endless research and quoting, we’ll give you a comprehensive and cost-effective look at what the market has to offer:

The best possible healthcare options for your employees' medical needs.
Reasonable costs for your company.
Compliance with ever-changing healthcare regulations.
Competitive healthcare plan options to measure against each other.

HBA offers the peace of mind that comes from knowing your employees have the best plan available for benefit dollars. Working with an unbiased and experienced group health insurance expert will give you that confidence and take the guesswork out of choosing a group health insurance plan.
HBA is committed to helping small employers manage their benefit dollars. Principal Keith Demty has worked with and represented more than 1/2 of the municipalities and school districts in Rhode Island, several Health & Welfare collective bargaining units, and now bring their expertise to support small employers with less than ten employees.
At HBA, we know that offering the right group health insurance plans and other benefits can have a large impact on the lives of your employees and partnering with the right broker can have an even larger impact on your bottom line. We help you identify your group’s unique differences and make recommendations that not only fit your needs, but save your company money on your group health insurance plans. HBA offers the following products and services to small businesses with less than 50 employees:

Health Insurance
Dental and Vision Insurance
Life & Disability Insurance
Voluntary Benefits

HBA’s experience in value based plan designs, and wrap around coverages like Health Reimbursement Accounts and Health Savings Accounts help employers control costs while still providing excellent benefits to its employees.
Call or email us today and speak with HBA’s principal - Keith Demty directly. He will be glad to assist you and help answer any questions you may have.
Our office number is 401-487-3543 or email us at Kdemty@HBAinfo.

Click on any of the blue boxes for more information.

Group dental insurance is a nice addition to your company’s group health insurance plan. With so many options out there for dental coverage, HBA can act as your trusted advisor as to which group dental plan is right for your unique situation. We understand your need for affordable, but comprehensive insurance for your employees and negotiate the lowest rates in the market.

doctor on tablet screen Telemedicine is a true “win-win” benefit for employers and employees. Telemedicine provides your employees with 24/7/365 telephonic access to board-certified, licensed physicians who can prescribe medications as necessary. Telemedicine is not intended for address every medical situation. Rather, it provides a convenient and inexpensive alternative to non-emergent Emergency Room visits, non-critical care clinics, or when you don't have access to your primary care provider.

This provides members with easy and convenient access to physicians without the need to take time out of work, and benefits employers by reducing unnecessary claims expenses associated with Primary Care, Urgent Center, and Emergency Room visits. Effective, highly utilized telemedicine programs can reduce employer costs by $400 to $600 per employee annually – or 2.5 to 4% bottom-line.

HBA shops these services with best in class, national telemedicine carriers. Contact us today for pricing on your employee group.

With group life insurance, you can offer employees peace of mind at extremely affordable rates. HBA makes providing the life insurance benefits an easy experience. We offer various types of group life insurance, including:

Basic Life Insurance
Life with Long Term Care Rider
Voluntary Life Insurance

Completing your employee benefits package with supplemental insurance options such as group accident insurance, critical illness plans, medical gap insurance and cancer insurance is an easy way to attract and retain talented employees in your industry. HBA will assist you in identifying which plans are affordable and appropriate for your group.

Group Accident Insurance
Critical Illness Plans
Medical Gap Insurance
Cancer Insurance

HBA works with Healthsource RI – the state run healthcare exchange program in Rhode Island – to provide small employers with Healthsource’s unique "Full Employee Choice" model.

HSRI’s Full Employee Choice allows employers to provide each employee with a set dollar amount for the employee to then “shop” across 20+ medical and 7 dental options to select the plan design best suited to meet the individual employee’s coverage needs and financial budget.

Securing coverage through HSRI may provide small employers with sizable tax credits made available through the Affordable Care Act. Certain rules and regulations apply.