Health Coverage That Supports Your Team and Your Business

HMO plans offer lower out-of-pocket costs and predictable care by putting a primary care provider in charge of directing treatment. Employees need a referral to see a specialist, but this coordinated approach helps keep premiums affordable. HMOs are a smart option for companies looking to balance quality care with cost savings.

A PPO plan gives employees more flexibility, allowing them to see any in-network provider without a referral. While premiums tend to be higher than HMOs, PPOs provide greater freedom for employees who regularly need specialist care or want more control over their treatment. It’s a valuable benefit for teams who prioritize choice and flexibility in their health coverage.

Short-term disability coverage ensures employees who can’t work due to an accident or illness still receive a portion of their income, usually 60–70% of their base salary, for three to six months. With only a short waiting period before benefits begin, this type of policy provides meaningful financial support when your team needs it most. Offering short-term disability shows your employees that you have their back during difficult times.

When a serious illness or injury keeps an employee from working for an extended period, long-term disability coverage provides income replacement, sometimes lasting until retirement age. It’s one of the most impactful benefits you can offer, giving your team peace of mind that they’ll be supported if life takes an unexpected turn.

Employee benefits are about more than compliance, they’re about showing your team that their well-being matters. Offering health and disability coverage can help you attract talent, retain valuable staff, and create a healthier, more committed workforce. At the same time, it protects your business from the costs and risks of unexpected employee health challenges.