All Services
Everything You Need to Build, Manage, and Optimize a Smarter Health Plan
From your first group health plan to advanced multi-year funding strategies — Demand Benefits offers Louisiana employers a complete suite of solutions under one roof.
Most brokers offer one or two products. We offer a full spectrum — from traditional fully insured coverage to proprietary strategies no other Louisiana firm provides. Every recommendation starts with your specific group size, claims history, workforce, and goals.
The Funding Ladder
Where Does Your Group Fit?
Health plan funding strategy is not one-size-fits-all. The right approach depends on your group size, claims history, and how much control and risk you want to take on. Here is how most Louisiana employers move through the options as they grow.
Fully Insured
2+ enrolled employees
Fixed monthly premiums. Carrier assumes all risk. The starting point for most Louisiana employers.
Level-Funded
10–99 enrolled employees
Fixed monthly funding with claims-based upside. The most popular alternative to traditional fully insured.
Group Medical Captive
50+ enrolled employees
Shared-risk pooling with stronger economics than standard level-funded. A disciplined middle ground.
Self-Funded
100+ enrolled employees
Pay actual claims instead of fixed premiums. Full data access. Maximum control over healthcare spend.
Geaux360
150+ enrolled employees
Proprietary Demand Benefits strategy. Lock your costs for three years. Available to qualifying groups only.
Not sure where you fit? → Run a Free Plan Diagnostic
Core Medical
Health Plan Strategies for Every Stage
Advanced Plan Strategies
Advanced Plan Strategies
For employers ready to go beyond fully insured — built for cost control, transparency, and long-term savings.
Advanced Strategies
Proprietary and Specialized Solutions
These strategies are not available from most Louisiana brokers. They require specific eligibility criteria and a deeper level of planning — but for the right employer, they deliver results the standard market cannot match.
Ancillary & Supplemental
Complete Benefits Beyond Medical
A competitive benefits package is more than just health insurance. We build and manage the full suite alongside your medical strategy.
Administration & Compliance
Everything That Runs Behind the Scenes
A complete benefits program is more than selecting a health plan. We coordinate the full administrative and compliance layer so nothing falls through the cracks.
Benefits Administration
State-of-the-art technology for online enrollment, qualifying life event management, and real-time employee reporting — all in one platform your HR team can manage without needing IT support.
Payroll Integration
Seamlessly connect your benefits platform with your payroll provider — eliminating manual data entry, reducing errors, and ensuring benefit deductions sync automatically every pay cycle.
COBRA Administration
Automated COBRA notifications, compliance tracking, premium collection, and carrier coordination — keeping your plan compliant and your former employees covered without adding administrative burden to your HR team.
ACA Reporting & Compliance
We manage your entire ACA obligation — from variable-hour eligibility tracking using the IRS Look-Back Measurement Method to 1094-C and 1095-C form generation, IRS e-filing, state e-filing, and recipient distribution. Transparent per-employee pricing with no hidden fees.
FSA / HSA / HRA Administration
We connect your employees to the leading tax-advantaged account administrators — FSAs, HSAs, and HRAs — all enrolled through the same platform as your core benefits. Reduce taxable income for your workforce while increasing the perceived value of your benefits package.
Consolidated Billing & Carrier Reconciliation
Stop spending 5–10 hours a month reconciling carrier invoices manually. We coordinate automated monthly billing reconciliation across all your carriers, surfacing discrepancies before they become overpayments — and giving your HR team their time back.
Form 5500 Preparation
Required for employer plans with 100 or more participants, Form 5500 is an ERISA compliance filing most brokers overlook. We coordinate preparation and filing through certified partners, keeping your plan compliant and your leadership protected.
Voluntary & Supplemental Benefits
Accident, critical illness, cancer, hospital indemnity, and supplemental health coverage — all enrollable alongside your core benefits in a single enrollment experience. Carrier options include Aflac, Colonial Life, Guardian, Unum, Sun Life, The Hartford, and MetLife, among others.
Telehealth & Mental Wellbeing
We integrate leading telehealth and EAP partners directly into your benefits package. Employees get on-demand access to care, and you get one of the highest-ROI additions to any benefits program.
Retirement Plan Coordination
Coordinate 401(k) and retirement plan enrollment alongside your medical, dental, and ancillary benefits — all in one platform. Integrated with leading retirement providers including Voya, Empower, and Alerus for a seamless total compensation enrollment experience.
Legal & Identity Protection
High-value voluntary benefits with minimal administrative overhead. We offer group legal services and identity protection coverage through carriers including MetLife Legal, LegalShield, ARAG, and Allstate Identity Protection — benefits employees notice and appreciate.
Commuter Benefits
Pre-tax transit and parking benefits that reduce your employees' taxable income at zero cost to you as the employer. Enrollable within the same benefits platform your team already uses.
Open Enrollment & Benefits Call Center Support
Year-round employee support for open enrollment, new hire enrollment, qualifying life events, and ongoing benefits education — delivered through integrated call center partners. Take the burden off your HR team during the most demanding time of year without adding headcount.
Not Sure Which Strategy Is Right for You?
Answer three quick questions and we will point you in the right direction — no call required.
Ready to See Your Full Range of Options?
Most Louisiana employers have never seen a complete side-by-side comparison of every strategy available to their group. We build that analysis — at no cost, no obligation, and no pressure.
No obligation. No pressure. Takes 30 minutes.