MECHANICAL METAL FINISHING COMPANY (How does DEMA help them?)

DEMA HAS BEEN SERVICING AND SATISFYING THIS GROUP’S HEALTHCARE, DENTAL, AND GROUP TERM COVERAGE FOR ALL OF ITS EXECUTIVE, ADMINISTRATIVE AND HOURLY BI-LINGUAL EMPLLOYEES FOR OVER 20 YEARS. THE OBJECTIVE HAS ALWAYS BEEN TO PROVIDE, PROTECT, AND SUPPORT ALL LEVELS OF ITS QUALITY PERSONNEL’S NEEDS IN THE MOST COST-EFFECTIVE WAY POSSIBLE. ALTHOUGH BENEFIT COSTS HAVE CONTINUALLY RISEN OVER THIS PERIOD OF TIME, DEMA & ASSOCIATES HAS BEEN ABLE TO RESEARCH, CREATE, AND PRODUCE REAL COST- CONTAINMENT SOLUTIONS THAT REIGNED IN COSTS WHILE HEALTHCARE BENEFIT COSTS ROSE. CASE IN POINT: IN 2010 THEY SAW A REDUCTION OF BENEFIT COST OVERHEAD FOR HEALTH CARE PREMIUMS BY 9% FROM 2009. THIS IS TRULY A REMARKABLE FEAT IN A VERY DIFFICULT ECONOMIC CYCLE. (DEMA CAN IMPROVE THE BOTTOM LINE!)

CAL MESA STEEL SUPPLY INC. (How does DEMA help them?)

CAL MESA WANTED TO PROVIDE A COST-EFFECTIVE METHOD OF CONTAINING ITS HEALTHCARE, DENTAL, GROUP TERM & DISABILITY PLANS FOR ALL ITS EMPLOYEES AND THEIR DEPENDENTS. ITS OPERATIONS ARE LOCATED IN SOUTHERN CALIFORNIA WHERE THEY ARE CONSTANTLY FACING THE CHALLENGE OF ANNUAL DOUBLE DIGIT INCREASES BEING DICTACTED BY CURRENT CARRIERS. THE SOLUTION: DEMA INTRODUCED AND HELPED DESIGN A "CUSTOMIZED" CLIENT-DRIVEN PLAN THAT HAS SAVED THE COMPANY OVER $425,000 IN PREMIUM COSTS WHILE IMPROVING THEIR BENEFITS OVER THE PAST 5 YEARS! (DEMA CAN CUSTOMIZE AND SAVE!)

A SMALL RETAIL SHOP WITH 3 EMPLOYEES (How does DEMA help them?)

THIS NEW CLIENT WAS FACED WITH A 41.2% INCREASE IN THEIR HEALTHCARE PREMIUMS. DEMA SHOWED THE CLIENT A BETTER APPROACH AND PROVIDED IMPROVED BENEFITS AT A LOWER COST! (DEMA BENEFITS AT LOWER COST!)

INDIVIDUALS (How do we/did we help them?)

A YOUNG, SEMI-PRO BALL PLAYER WHO WAS RELEASED FROM HIS ASSIGNEMENT AS A MINOR LEAGUE CATCHER, HAD A DIFFICULT TIME SECURING INDIVIDUAL COVERAGE DUE TO AN INJURY INCURRED WHILE ACTIVELY PLAYING BALL. DEMA WAS ABLE TO LOCATE EXCELLENT INDIVIDUAL COVERAGE THAT COVERED BOTH IN AND OUT OF HOSPITAL BENEFITS AT A MONTHLY COST OF ONLY $68.00 MONTHLY. HE ADDED DENTAL COVERAGE FOR AN ADDITIONAL COST OF $18.00 PER MONTH USING HIS CURRENT DENTIST IN THE PROCESS. (DEMA CAN DO IT FOR YOU!)

FAMILIES (How do we/did we help them?)

A FAMILY OF FOUR, HUSBAND, WIFE, AND TWO CHILDREN HAD MAJOR CONCERNS BECAUSE OF FOREIGN TRAVEL. THEY NEEDED A SECURED COVERAGE PLAN WHICH WAS AFFORDABLE, SUFFICIENT TO PROTECT THEM IN CASE OF EMERGENCIES, CATASTROPHIC ILLNESS, ACCIDENTS, AND COVERAGE WHILE THEY WERE ABROAD. UNABLE TO LOCATE A FIRST-RATE CARRIER WHO MET ALL THEIR NEEDS, DEMA’S RESEARCH PRODUCED SEVERAL OPTIONS WHICH ALLOWED THEM TO TRAVEL SAFELY DOMESTICALLY AND TO FOREIGN LOCATIONS FOR ONLY $475.00 PER MONTH. (DEMA DOES IT EVERY TIME!)

ASSOCIATES (How do we help them?)

A NUMBER OF FINANCIAL ADVISORS HAD CLIENTS WHO WERE IN NEED OF ADVICE WHILE CHOOSING THEIR MEDICARE ADVANTAGE COVERAGE AVAILABLE TO THEM AS SENIORS (65 OR OLDER). AFTER CONSIDERABLE RESEARCH AND PRODUCT COMPARISON, DEMA WAS ABLE TO RECOMMEND FOUR (4) CHOICES THAT WERE ACCEPTABLE TO THEIR NEEDS. THE CLIENT INVOLVED HAD PRECISE RX NEEDS AND THESE WERE AVAILABLE TO THEM IN THE PLAN THEY SELECTED. THE MONTHLY COST OF THE RX WAS ONLY $10.00 PER PRESCRIPTION. (DEMA DOES IT ALL!)

FRIENDS (How do we help them?)

WHILE VISITING WITH FRIENDS AND NEIGHBORS FROM TIME TO TIME, QUESTIONS ARISE AS TO WHAT ELEMENTS ARE APPLICABLE WHEN DECIDING ON HOW BEST TO CHOOSE THEIR PRACTITIONERS, SPECIALISTS, DENTISTS, ETC. WHILE THERE IS NO STANDARD ANSWER APPROPRIATE TO ALL INQUIRIES, THE BEST APPROACH IS TO ALWAYS DO YOUR HOMEWORK! CHOOSE A PROFESSIONAL WHO HAS A PROVEN, TESTED, AND VERIFIED TRACK RECORD FROM YOUR FRIENDS, MEDICAL AND DENTAL REFERRAL RESOURCES. DUE DILIGENCE HAS PROVEN ITSELF FOR OVER 26 YEARS OF EXPERIENCE AT DEMA, WHO IS ALWAYS DELIVERING SERVICE OF EXCEPTIONAL QUALITY! (DEMA DOES IT BEST!)