Bad Brother Benefits: 10/01/2026
Who are you and Why am I here?
Diversified Human Solutions (Matthew Tae) is here to help with back office HR functions like employee benefits and general compliance. Your employer partnered with us to help manage their employee benefit programs. Think of us as an extension of your HR department, who can help with benefits related questions and the taxes/money around those decisions. You can make your benefits elections here on this page by clicking "Make Benefits Elections" and then selecting your plan. Please browse around this page to find out how to print temp ID cards, access benefits info, find in-network providers, learn about your payroll deductions, and a lot more! You can contact us at by clicking the "Schedule Benefits Discussion" button or email service@diversifiedhumansolutions.com if you have any questions.
FAQ
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance after 3 months of full time employment (40 hours per week).
To Enroll, click "Make Benefits Election".
Find an In-Network Doctor (Select "Choice" Network / Plan)
To Enroll, click "Make Benefits Election".
Find an In-Network Doctor (Select "Choice" Network / Plan)
What is the Health Insurance?
How to Shop for Health Insurance
The health insurance is through United Healthcare. The insurance plan uses the "Choice" network and is named E1000i100LX21B.
This plan has a $3500 out of pocket maximum (for single enrollee), which means that the most you will have to pay (when in-network) in a plan year is $3500 (Plan year is from October 1 thru September 30). There is a $1000 deductible which applies to everything EXCEPT doctors, specialists, urgent care, and RX. Overall, this is a better plan than previous years because costs are low when no / minimal medical care is needed, and much better coverage IF medical care is needed. This is a "PPO" plan so no primary care physician is required (but you do need referrals for higher level procedures like MRI, x rays, etc.).
https://www.uhc.com/find-a-doctor - Your Plan = Choice Instructions How to Navigate the Site:
Choose "Medical Directory" or "Behavioral Health"
Select "Employer and Individual Plans"
Select "Choice"
Enter your zip code via "Change Location" link if necessary & Select "Find Care by Category" option you want or enter a name / place into the search field
Continue thru prompts until a list of providers is generated
The health insurance is through United Healthcare. The insurance plan uses the "Choice" network and is named E1000i100LX21B.
This plan has a $3500 out of pocket maximum (for single enrollee), which means that the most you will have to pay (when in-network) in a plan year is $3500 (Plan year is from October 1 thru September 30). There is a $1000 deductible which applies to everything EXCEPT doctors, specialists, urgent care, and RX. Overall, this is a better plan than previous years because costs are low when no / minimal medical care is needed, and much better coverage IF medical care is needed. This is a "PPO" plan so no primary care physician is required (but you do need referrals for higher level procedures like MRI, x rays, etc.).
https://www.uhc.com/find-a-doctor - Your Plan = Choice Instructions How to Navigate the Site:
What is the Dental Insurance?
*Our dental insurance is obtained via the Fellow Travelers Benefits Program. It is a program where multiple employers collaborate to boost purchasing power to obtain better benefits & rates. Your insurance card will have "Fellow Travelers" listed as the employer.
Our dental insurance is exceptional! It effectively eliminates network restrictions by reimbursing out-of-network visits at in-network copay and coinsurance rates in almost all cases. However, we encourage using in-network providers whenever possible, as higher in-network usage helps secure better renewal rates for the future.
Our dental insurance is exceptional! It effectively eliminates network restrictions by reimbursing out-of-network visits at in-network copay and coinsurance rates in almost all cases. However, we encourage using in-network providers whenever possible, as higher in-network usage helps secure better renewal rates for the future.
Other Benefits & Servics
Claim Forms, ID Cards, EOB's
Insurance Benefit Info
Health Insurance Benefit Summaries
Monthly Health Insurance Rates
Employee: $517.67
Couple: $1154.49
Employee + Child(ren): $1105.12
Family: $1727.13
Couple: $1154.49
Employee + Child(ren): $1105.12
Family: $1727.13
Health Insurance Extras
Dental Insurance Info
Other Perks & Benefits
AblePay Discounts
Sign Up for AblePay Discounts (Use “Diversified Human Solutions” as your employer to qualify)
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
Helpful Contact Info
United Healthcare: 866-801-4409
Guardian Dental: 800-627-4200
Diversified Human Solutions: 267-948-7290
Guardian Dental: 800-627-4200
Diversified Human Solutions: 267-948-7290
Discounts & Perks
Discounts, Rewards, and Perksr
Use CODE: LRFWUO
Use CODE: LRFWUO