LBA is committed to helping small employers manage their benefit dollars.  Partners Keith Demty and Bob Dumais have 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.

When selecting LBA, you work directly with the principals - data-driven health plan leaders who know that data is only useful when it’s combined with seasoned analysis. We never provide cookie-cutter recommendations, but passionately seek specific improvements and efficiency measures you can truly achieve.

At LBA, 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. LBA 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
• ACA Compliance Support
• Employee Benefits Programs (HR 360)

LBA’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.

Regardless of what type of coverage you select – HMO, PPO, and POS – it’s never been more important to create optimal, value-based benefit plans.  Our data analytics provides a sophisticated approach to benefit design, allowing us to tailor plans to the specific needs of different clients. 

LBA leverages 30 years in the industry to help you navigate through all carrier and benefit options available, and ultimately customize packages to fit your fiscal objectives without compromising employees’ and members’ needs.

We provide guidance to ensure compliance with the Affordable Care Act, ERISA, and other regulations, and our underwriting expertise and ability to analyze detailed claims data are invaluable in achieving the best benefits available for your health care dollars.

Shopping and selecting group health insurance can be a daunting task. Keith Demty and Bob Dumais provide over 60 combined years’ experience and take the time to analyze which group health insurance company is right for you.  They evaluate and deliver many different coverage plans with deductibles, co-pays, and out-of-pocket limits at the most affordable premiums available.

No matter where you shop, review these key elements when comparing plans:

• Healthcare Provider Network - the doctors, hospitals, and pharmacies you can use)
• Drug Formulary - covered prescription medications
• Premium - the monthly cost of insurance
• Deductibles - the amount you must spend before coverage licks in – just like an automobile deductible works
• Coinsurance - the percentage you owe on the total cost of services – often applicable after the deductible is met
• Copayments - a fixed amount paid when you seek certain types of services, like office visits, ER, and prescription drug benefits
• Out of Pocket Maximums – the most you will spend out of your own pocket – excluding the monthly premiums - in any single policy year

LBA’s group health insurance experts will analyze your business needs and provide several options for viable and cost-effective group coverage and costs.

We analyze the needs of the business and shop the market for the best combination of small group coverage and costs.  By contacting a number of insurance carriers, we create a competitive environment that benefits you, the client.  We always work to find the best insurance solution for your employees no matter how small your business is, whether you have 10 or 50 employees. 

LBA 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.

LBA 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.

Call or email us today and speak with LBA’s principals – Keith Demty and Bob Dumais directly.  They will be able to assist you and help answer any questions you may have.

Our office number is 401-487-3543 or Email us! Keith or Bob will call you back within 24 hours during our normal business hours.

LBA 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.

Group dental insurance is a nice addition to your company’s group health insurance plan. With so many options out there for dental coverage, LBA 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.

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.  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.

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.

It is particularly suitable for diagnosis and treatment for common ailments, such as:

• Allergies
• Bronchitis
• Cold/Flu symptoms
• Cough
• Ear Infections
• Headaches/Migraine
• Insect Bites
• Minor Burns
• Nasal Congestion
• Pink Eye
• Respiratory Infections
• Sinus Infections
• Sore Throat
• Stomach Ache/Diarrhea
• Upper Respiratory Infections
• Urinary Tract Infections

LBA 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. LBA 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

Most life insurance policies are purchased with the help of an employer. Offering this tax-deductible benefit to your employees can be more affordable in comparison to shopping for individual life insurance plans and a nice complement to group health insurance benefits. Anybody who has loved ones who rely on them for financial support, be it their spouse, their children, or other family members, should have some level of life insurance. In the event that the employee's life should be cut short, the resulting financial hardship can be catastrophic to those left behind. Unresolved debts, monthly mortgage commitments, hospital costs and funeral expenses can prove to be financially insurmountable.

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. LBA will assist you in identifying which plans are affordable and appropriate for your group.

• Group Accident Insurance

Accidental injuries can lead to some unexpected out of pocket costs and medical expenses. Accident insurance can cover such costs as hospital stays, medical exams, transportation costs and much more. LBA can help guide you in finding the right policy for you and your employees.

• Critical Illness Plans

Critical illness plans can provide lump-sum, tax-free payments when a policyholder suffers from a specific, pre-identified critical illness. Access to group insurance plans such as these is usually offered through an employer. Not all illnesses are covered and some restrictions apply; let LBA help you identify the best critical illness plans for your specific employee group.

• Medical Gap Insurance

Most group health insurance plans will only cover a portion of overall medical expenses. Supplementing your benefits plan with medical gap insurance can help your employees pay high deductibles. This type of insurance is usually paired with group health insurance and can act a complimentary insurance to the benefits already being offered. LBA can help you evaluate if medical gap insurance is needed by your group.

• Cancer Insurance

Millions of people are diagnosed with cancer each year. In fact, one out of two men and one out of three women will be affected by cancer before they retire. Not only can the disease itself hurt, the medical costs of treatment can be astronomical. You can help your employees protect themselves from these costs by offering access to group cancer insurance.



Supplemental cancer insurance can help you manage the costs of treatment, preserve your savings and let you concentrate on getting better, not paying medical bills. Many cancer insurance companies offer this coverage and LBA can help you analyze which company and plan are appropriate for your group.