Deseret Mutual Benefit Administrators

What Deseret Mutual Benefit Administrators does

Deseret Mutual Benefit Administrators (DMBA) is a non-profit, private trust fund founded in 1970 and headquartered in Salt Lake City, Utah. It administers welfare and financial benefits for employees of participating employers, with its customer base concentrated among members and organizations affiliated with The Church of Jesus Christ of Latter-day Saints. The organization operates an integrated benefits stack spanning medical, dental, vision, pharmacy, mental/behavioral health, hearing aids, diabetic supplies, senior medical coverage, missionary medical coverage, international coverage, and retirement/financial planning services.

DMBA's platform combines proprietary provider networks in Utah, southeastern Idaho, and Hawaii with third-party network routing for out-of-area members — UnitedHealthcare for medical and mental health, MetLife for dental outside Utah and Idaho, VSP for vision, MDX Hawaii for Hawaii-specific medical, TruHearing for hearing aids, and Carelon Wellbeing for the Employee Assistance Program. Claims processing routes through dedicated EDI plumbing (EDI #39026) and multiple P.O. boxes, and member interactions occur via phone, secure messaging, scheduled appointments, and a member web portal. A Virtual Visit (Connect Care) module adds telehealth to the offering.

As a non-profit trust, DMBA's revenue mechanics center on administering premiums and contributions for participating employers rather than generating commercial underwriting returns; pricing is not publicly disclosed. Distribution is direct-to-member and direct-to-participating-employer with no external sales channel structure. Geographic reach spans the Mountain West, the Pacific (Hawaii), and limited international (Canadian benefits support and DMBA International for members abroad), with no claim of a global footprint beyond church-affiliated member needs.

Name

Deseret Mutual Benefit Administrators

Legal name

Deseret Mutual Benefit Administrators

Website

https://dmba.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

251–500 employees

Short description

Deseret Mutual Benefit Administrators (DMBA) is a non-profit trust fund founded in 1970 that administers medical, dental, vision, pharmacy, mental health, retirement, and specialty benefits — including missionary and senior medical plans — for employees of participating employers affiliated with The Church of Jesus Christ of Latter-day Saints.

Ownership category

akta.pro rank

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D

Distribution channels1 record

Marketing channels1 record

Core offering

DMBA is a non-profit private trust fund that administers welfare and financial benefit plans for employees of participating employers. It provides integrated medical, dental, vision, mental/behavioral health, pharmacy, and retirement/financial planning coverage, with specialized plans such as Missionary Medical and Senior Service Medical Plan for church-affiliated members.

Product overview

Deseret Mutual Benefit Administrators (DMBA) operates as a health insurance and benefits administrator offering a unified platform of medical, dental, vision, and mental health coverage plans. The core product portfolio centers on DMBA-branded Medical Health Plans, Mental/Behavioral Health Services, and Dental coverage, supplemented by specialized sub-brands including the Senior Service Medical Plan and Missionary Medical. Value-added benefits include TruHearing for hearing aids and Diabetic Suppliers, while add-on modules such as Virtual Visit (Connect Care) for telehealth, DMBA International for coverage abroad, and Financial Planning services extend the platform's functionality. Integration with third-party networks—UnitedHealthcare for out-of-area members, MetLife for dental outside Utah/Idaho, VSP Vision for eye care, and Carelon Wellbeing for Employee Assistance Program—expands provider access across multiple regions including Utah, Idaho, Hawaii, and other domestic areas.

Differentiator

Problem solved

Functional benefit

Brands

• Missionary Medical: Benefits plan for missionaries
• Senior Service Medical Plan

Products and services

• Medical Health Plans Comprehensive medical insurance and benefit plans for participating employer members in Utah, southeastern Idaho, Hawaii, and other domestic U.S. regions, including provider network access and claims processing.
• Mental/Behavioral Health Coverage Mental and behavioral health provider network and coverage for members in Utah, Idaho, and through UnitedHealthcare for members elsewhere.
• Dental Coverage Dental insurance coverage through DMBA's contracted network for Utah and Idaho members, with MetLife network access for members outside those states.
• Virtual Visit (Connect Care) Telehealth/virtual care service enabling members to access virtual medical consultations and visits remotely.
• Pharmacy Services Prescription drug coverage and pharmacy benefit management with participating pharmacy locator integration for members.
• Senior Service Medical Plan Specialized medical plan designed for senior members with tailored coverage and benefits.
• Missionary Medical Medical benefits plan specifically designed for missionaries, including specialized coverage, support services, and a dedicated phone line (800-777-1647).
• DMBA International International medical coverage and benefits for members traveling or living abroad, with Canadian benefits support available.
• TruHearing (Hearing Aids) Hearing aid benefit and supplier integration providing discounted hearing services and devices for members.
• Diabetic Suppliers Diabetic supply coverage and supplier network for members managing diabetes.
• VSP Vision Vision insurance coverage including eye exams, glasses, and contact lenses through the VSP provider network.
• Financial Planning Retirement and savings plan services including investment advisory and planning tools for members.
• Premium Bill Lookup Online billing portal enabling employers and members to view and manage premium payments and billing information.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cigna: Global health services company offering employer-sponsored medical, dental, behavioral, and pharmacy benefits with a comparable multi-product platform. Comparable as a broad incumbent in employer benefit administration, though with national/international scale rather than a regional niche focus.
• UnitedHealthcare: National health carrier and DMBA's partner network for out-of-Utah/Idaho medical and mental/behavioral health coverage. Comparable because UnitedHealthcare operates at national scale in the same product categories DMBA serves, but with vastly broader reach and proprietary infrastructure rather than regional niche focus.
• Aetna: National carrier offering employer-sponsored medical, dental, vision, and behavioral health benefits competing for the same employer-purchaser segment DMBA targets. Comparable in product breadth and employer benefit focus, but at vastly larger scale and with a commercial (rather than community-affiliated) member model.
• MetLife: DMBA's partner for dental coverage outside Utah and Idaho, and a major national carrier of dental, vision, and group benefits. Comparable as both a network partner and a broader competitor in the dental and group-benefits space, though with vastly greater scale and a commercial (rather than community-affiliated) member model.
• Blue Cross Blue Shield of Utah (Regence): Regence BlueCross BlueShield of Utah, the incumbent carrier in DMBA's core Mountain West geography. Comparable as a regional health plan serving Utah employers with overlapping member populations, but operating as a broad incumbent across all customer segments rather than a community-affiliated niche.

Direct peers

• EBMS (Employee Benefit Management Services): Third-party administrator (TPA) of self-funded employer health plans, headquartered in the Mountain West, offering medical, dental, and integrated benefits administration. Comparable as a TPA serving employer benefit plans with a similar mid-scale, multi-product operating model, though with broader commercial (rather than community-affiliated) customer base.
• HealthEquity: Draper, Utah-headquartered benefits administrator specializing in HSAs, HRAs, COBRA, and consumer-directed benefits, serving employer plans nationally. Comparable as a Utah-based, employer-plan-focused benefits administrator, though with a different product focus (consumer-directed accounts rather than fully insured medical).
• EMI Health: Utah-based health plan with deep LDS-community roots, offering medical, dental, and vision benefits to similar affiliated-employer and community member populations in overlapping Mountain West geographies. EMI Health is the most directly comparable peer because of its shared faith-community orientation, regional concentration, and similar product mix.
• SelectHealth: Not-for-profit health plan serving Utah, Idaho, Nevada, and Colorado, with a mission-driven positioning analogous to DMBA's community-affiliated posture. Comparable because both are regional, mission-oriented carriers offering integrated medical, dental, and vision products to employer groups in overlapping geographies.

Regional players

• Hawaii Medical Service Association (HMSA): Hawaii's largest health insurer, serving as the dominant regional carrier in a geography where DMBA also operates (alongside MDX Hawaii). Comparable because both serve Hawaii-based employer and member benefit needs in the same market, though HMSA is a regional incumbent across the full population rather than a community-affiliated niche.

Market position

Strengths5 records

Weaknesses6 records

Competitive moat5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Deseret Mutual Benefit Administrators