Benefits by Organization Type
Public Sector Organizations
You know how challenging it is to find a plan that meets the expectations of public sector employees but is also compliant and within budget. Your local agent will help you find the plans that are right for your employees and your organization.
No matter what you do, or who you employ, offering great health and wellness benefits can help attract and retain the best employees.
Life insurance inclusion
80%
of state and local government workers have access to life insurance as an employee benefit. (Bureau of Labor Statistics, 2025)
Employee expectations
24%
of employees 35 and under would consider changing jobs for better benefit (Mission Square Research Institute, 2023)
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
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.
Public Sector Healthcare Group
Join other like-minded employers in a health insurance pool to purchase benefits at scale, gaining access to a greater range of coverage and pricing options than most small and mid-sized government agencies can provide.
Start a conversation.
Discuss your needs with your local agent.
Frequently asked questions about employee health and wellness plans for public sector organizations
Challenges such as budget cuts, retiring employees, and competition with the private sector for top talent are making it more difficult for governments to recruit and retain skilled workers. For many employers and employees, there is a greater demand for better employee benefits. While cost management is always a priority, the Highstreet team can help negotiate the right employee coverage to suit any budget.
State employee health plans are often the largest employer purchaser in a state, which gives them unique bargaining power to find the best quality, affordable coverage for employees. Administering health plans with such diverse membership can be challenging, but also allows your organization to go to market to lower patients’ out-of-pocket costs and reduce premiums.
At the municipal level, benefits such as quality health and wellness coverage are also key to attracting and retaining top talent. And larger municipal governments also benefit from considerable purchasing power when choosing a benefits plan provider.
