Benefits by Organization Type
Medium & Large Businesses
A business of your size relies on its growing team to stay competitive, and great benefits help keep that team focused and motivated. With so many options available, your local agent will help you find the right plans for your employees and your company.
No matter what you do, or who you employ, offering great health and wellness benefits can help attract and retain the best employees.
Importance of healthcare
67%
of employees say that employer-covered healthcare is the most important benefit to them. (Forbes Advisor, 2024)
Employee expectations
78%
of employees believe their employers should help tend to their well-being. (Wellhub, 2025)
Wellness program popularity
79%
of large firms offer a wellness program in smoking cessation, weight management or lifestyle coaching. (KFF, 2024)
Employee Healthcare Benefits
Medical Insurance Plans
Help your team do their best work without worrying about the cost of medical bills. We provide a full range of plans you can offer them.
PPO
Preferred Provider
These plans contract with a provider network, so you and your employees pay less for services when using in-network participants.
HMO
Health Maintenance
These plans use doctors who work for/contract with the HMO. Unlike a PPO, it generally won’t cover out-of-network care, unless it’s an emergency.
HSA
Health Savings Account
HSAs are qualified savings plans that allow participants to set aside untaxed money for medical expenses. They may have lower premiums, but can include higher deductibles.
HRA
Health Reimbursement
These plans reimburse employees for approved medical and dental expenses. The employer determines a reimbursement amount up to a yearly limit.
Dental Insurance
Good oral health contributes to good overall health. Help your employees take care of their teeth and gums with dental insurance.
Vision Insurance
Eye exams aren’t just for people who need glasses — they can detect early signs of medical problems like diabetes.
Prescription Drugs
Help your staff easily and quickly get the medications they need when they’re sick or to keep themselves healthy.
Mental Health
With mental health more top-of-mind than ever, you can offer your team coverage for counseling, therapy and crisis support.
Disability
Short- and long-term disability coverage helps provide for an injured or ill employee so they can heal or live with their disability.
Life Insurance
Providing life insurance lets your employees know that their families will be taken care of if the unthinkable happens.
Wellness Benefits
Support for healthy living and proactive well-being programs for smoking cessation, health monitoring and fitness.
Give employees more coverage tailored to their age, health and lifestyle choices.
- Home Insurance
- Home Security
- Mortgage Protection
- Financial Planning
- Eldercare
- Childcare
- Adoption Assistance
- And many more
Additional Services
Get the help you need to put your benefits into action.
Your local agent will help you find and implement any additional services you need to manage your employee benefits plans.
Talk to an agent
Market Review
To make sure your benefits are providing the best value for your people and your business, we’ll review your plan to help determine how it compares to benchmarks and when it’s time to “go to market” for better coverage.
Benefits Administration & Technology
Administering employee benefits can be complex and time-consuming for businesses with limited internal HR resources. A benefits administration service helps your company simplify enrollment and minimize risk.
Employee Benefits Compliance
Don’t be caught out of compliance. Your agent and the expert compliance team behind them will offer guidance and assistance to help you stay up to date and avoid fines, penalties and lawsuits.
Professional Employer Organization (PEO)
PEOs provide integrated, outsourced human resource services. Could your internal HR team use expert support? Your local agent can help you decide and place you with a trusted PEO if you need it.
Start a conversation.
Discuss your needs with your local agent.
Frequently asked questions about employee health and wellness plans for medium and large businesses
Your business faces unique challenges and opportunities. Your Highstreet agent is here to understand your HR needs for employee health and wellness, as well as your business goals. There is no one-size-fits-all solution, but there are options that are just right for you.
The cost of employee health benefits is usually shared by the employer and employee. The cost will depend on the type of benefits you provide, whether you are covering employees only, or including dependents, and the percentage of your employer contribution.
Your Highstreet agent can help you find an arrangement that works for you, and which complies with any relevant state and federal requirements.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in hours or transition to a new job, as well as death, divorce and other life events.
COBRA can require that group health plans sponsored by employers with 20 or more employees offer employees and their families the opportunity for continuation coverage. Your Highstreet agent can help you understand COBRA, and whether it applies to your situation.
A professional employer organization, or PEO, is a partner that provides payroll, benefits and HR support, including employee benefits. Your Highstreet agent can advise you on whether hiring a PEO would be best for your business and team. If you already have a PEO, your Highstreet agent can also help you evaluate if your current arrangement puts you in the best possible position.
While workers’ compensation rules can vary from state to state, if you have employees your business is probably required by law to have insurance that covers their medical bills, lost wages and/or legal costs if they are injured at work.
To find out more about what type of coverage your business requires, visit the workers’ compensation page on this website, or ask your Highstreet agent.
