Best Personnel Office Staff Benefits - Effective 1/1/2026
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.
Health Insurance
What is the Health Insurance?
How to Shop for Health Insurance
How to Find an In-Network Doctor
If you are a non-temp full time employee, you are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week).
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the HMO Silver Proactive, HMO Gold Proactive, and PPO Silver Secure. The PPO Silver Secure plan is national and will work anywhere. The "Proactive" plans only has a network in and around Philadelphia.
The PPO Silver Secure plan will work anywhere and has a very large national network. You also do not need referrals to see specialists. Most services do NOT have a deductible and merely have a copay. Some rarer higher cost procedures are subject to a deductible and a copay.
The "Proactive" plans are for companies based in or around Philadelphia. All the local Philadelphia Blue Cross doctors & hospitals are in-network, but they are divided into tiers with some providers charging more based on their tier. Tier 2 & 3 providers are more expensive than Tier 1 providers. This is especially important for high cost items like hospitalization & outpatient surgery.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or PPO
How to Find an In-Network Doctor
If you are a non-temp full time employee, you are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week).
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the HMO Silver Proactive, HMO Gold Proactive, and PPO Silver Secure. The PPO Silver Secure plan is national and will work anywhere. The "Proactive" plans only has a network in and around Philadelphia.
The PPO Silver Secure plan will work anywhere and has a very large national network. You also do not need referrals to see specialists. Most services do NOT have a deductible and merely have a copay. Some rarer higher cost procedures are subject to a deductible and a copay.
The "Proactive" plans are for companies based in or around Philadelphia. All the local Philadelphia Blue Cross doctors & hospitals are in-network, but they are divided into tiers with some providers charging more based on their tier. Tier 2 & 3 providers are more expensive than Tier 1 providers. This is especially important for high cost items like hospitalization & outpatient surgery.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or PPO
Health Insurance Benefit Summary
Health Insurance Rates - 2026
Health Insurance EXTRAS
Other Health Insurance Benefits & Services
Free Virtual Doctor Visits & Care
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
Discounts & Reimburesments
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Flu Shot
Maternity & Family Planning
Addiction Counseling
Diabetes Management
Hypertension Management
Weight Loss Support
Hearing Coverage
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
90 day supply CVS Discount
Specialty RX Discounts
Traveling/Away from Home
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
Discounts & Reimburesments
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Flu Shot
Maternity & Family Planning
Addiction Counseling
Diabetes Management
Hypertension Management
Weight Loss Support
Hearing Coverage
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
90 day supply CVS Discount
Specialty RX Discounts
Traveling/Away from Home
Health Insurance Claim Forms, ID Cards, EOB's
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.
Payroll Deductions
Health Insurance Weekly Deduction
Your payroll deduction would be your monthly premium for the plan you choose, multiplied by 12, then divided by the number of payrolls in a year (26 if bi-weekly).
Payroll Deduction Calculator
Payroll Deduction Calculator