Business Details
Employee Benefit Solutions in Hardy, VA
D & S Life Agency has been dedicated to providing comprehensive employee benefit solutions since its founding. Our team partners with employers to implement strategic health insurance plans that balance cost-effectiveness with quality coverage. We specialize in navigating complex regulatory requirements while prioritizing clear communication and tailored funding options for each client. With decades of combined experience, our professionals stay ahead of industry changes to deliver sustainable benefit strategies.We focus on building long-term relationships through personalized service and innovative solutions like our self-funded health insurance model. Our commitment extends beyond business to community involvement and professional advocacy through organizations like NAHU. Our bilingual capabilities and client-centered approach ensure accessible, transparent support for all our stakeholders.
Services
Employee Benefits
Self Funded Health Plans
Cost Management
ACA Compliance
Enrollment Services
Highlights and features
- We offer 40+ years of experience in employee benefits since 1976
- Our self-funded health plans outperform carrier trends
- Bilingual (Spanish) support for employee meetings and documents
- We provide ACA compliance and cost management expertise
- Our team includes licensed specialists in Medicare and marketplace solutions
Services
Self Funded Health Plans
Our self-funded health plans provide businesses with greater control over coverage design and cost management. By leveraging collective purchasing power through the Cherry Tree Collaborative, employers gain advantages typically reserved for large corporations. This approach consistently outperforms traditional carrier trends while maintaining comprehensive protection for employees.
ACA Compliance
We help employers navigate complex Affordable Care Act requirements with customized compliance strategies. Our solutions ensure proper documentation, reporting, and plan design while minimizing administrative burdens. This includes ongoing monitoring of regulatory changes to maintain continuous compliance and avoid potential penalties.
Cost Management
Our cost management services identify savings opportunities without compromising coverage quality. Through strategic plan design, vendor partnerships, and utilization analysis, we help employers optimize their benefit expenditures. This includes specialized programs for disease management and prescription cost reduction.
Enrollment Services
We streamline employee benefits enrollment with comprehensive support for both employers and staff. Our bilingual specialists provide clear explanations of coverage options, assist with documentation, and ensure accurate processing. This includes ongoing support for mid-year changes and special enrollment circumstances.
Medicare Solutions
Our licensed specialists guide individuals through Medicare enrollment and supplemental coverage options. We provide personalized assessments to ensure proper coverage selection based on health needs and budget considerations. This includes ongoing support for policy management and claims assistance.
People
William L. Kite, Jr
Principal
Founder with 40+ years in employee benefits, NAHU member advocating for businesses, and community leader with multiple nonprofit involvements. Holds licenses in multiple states.
Amanda Dammann
Principal
MBA graduate with 20+ years in insurance operations and program management. Specializes in individual and group insurance education with extensive experience in benefit plan administration.
Kaleigh Fanning
Medicare Specialist
Licensed agent providing Medicare enrollment expertise since 2023. Certified in account data management with 8 years of client support experience. Focuses on making Medicare navigation accessible for clients.
Glenda Simmons
Medicare & Marketplace Specialist
30+ year insurance veteran offering personalized solutions for individual health and Medicare supplement needs. Combines extensive experience with tailored approach to client care and strategic planning.
Renae Lambert
Account Manager
Bilingual specialist providing Spanish translation services and insurance guidance. Combines teaching skills with 8 years of client management experience to improve benefits understanding for diverse employee populations.
Questions
What makes your self-funded health plans different?
Our self-funded plans through the Cherry Tree Collaborative give employers control over design and pricing while leveraging collective buying power typically reserved for large corporations.
How do you help with ACA compliance?
We provide customized compliance strategies including proper documentation, reporting assistance, and ongoing monitoring of regulatory changes to ensure continuous compliance.
Do you offer bilingual support services?
Yes, we have Spanish-speaking specialists who provide translation services for employee meetings and documents to ensure clear benefits communication.
What cost-saving programs do you offer?
We provide disease management programs, prescription cost reduction strategies, and strategic plan design to help employers optimize benefit expenditures without compromising coverage.
How do you handle Medicare enrollment assistance?
Our licensed specialists provide personalized Medicare enrollment guidance, helping clients navigate coverage options and select appropriate supplemental plans based on individual needs.
