Employee Benefits
Approach
HRO’s approach to employee benefits starts with balancing the employee experience with the most competitive options for cost and coverage. We have access to dozens of insurance carriers, from the largest carriers in the nation (United Healthcare, Blue Cross/Anthem, Humana, Cigna, Aetna) to regional hospital networks (e.g. Kaiser Permanente, Memorial Hermann). Get started with a complimentary quote today.
2-50 Employees
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51+ Employees
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We bring the latest knowledge, technology, and partnerships to bear when we work for you. Our process starts with an application and ends with cost-effective health insurance coverage for your business. In between, we get to know you and how we can help.
Our Process
- FULLY INSURED HEALTH PLAN
- LEVEL FUNDED HEALTH PLAN
- SELF INSURED HEALTH PLAN
- DENTAL / VISION
- GROUP LIFE
- ST & LT DISABILITY
- 401K
A fully insured health plan is a traditional way to structure an employer sponsored health plan. Features of a fully insured health plan include:
- Annual fixed premium rates paid monthly by the employer
- The covered persons (employees and dependents) are responsible to pay any deductible amounts or co-payments required for covered services under the policy.
Insurance carriers that offer fully insured health plans are some of the largest insurance companies in the country, including UnitedHealthcare, Humana, Aetna, Cigna, and Anthem/Blue Cross.
Technology
We are a digital-first insurance agency that brings convenience to you, benefits to your employees, and competition to our insurance partners. From online applications to benefits enrollment technology that is integrated with payroll, you and your employees will have a seamless digital experience.
Online apps
Integrated benefits enrollment
Online library of Benefits and HR content
Data analytics
Latest News and Trends
- HHS Issues Final Rule to Increase Professional Development Opportunities for Career Civil Servants, Harmonize HR Practices
- OCR Seeks Information on Addressing Disability Discrimination in Health Care and Child Welfare Contexts
- OCR Publishes Proposed Rule Protecting Infants Born Alive from Discrimination on the Basis of Disability
- Health Insurer Pays $5.1 Million to Settle Data Breach Affecting Over 9.3 Million People
- HHS Announces Provider Relief Fund Reporting Update
- Short-term health insurance in Massachusetts
- What are the deadlines for Obamacare’s open enrollment period?
- Colorado health insurance marketplace: history and news of the state’s exchange
- Will my health insurance cover the costs of coronavirus testing, vaccines, and treatment?
- My wife and I each make about $40,000 a year. If we file our taxes separately, can we each qualify for an exchange subsidy?
- Joe Biden’s New Health Care Agenda (and CMS’s Big Role In It)
- Get Ready for a Lot of Biden Executive Orders on Health Care
- Poll: Large Majorities Now Say They Wear Masks Regularly and Can Continue Social Distancing for At Least Six Months if Needed, though Republicans Remain Less Likely to Take Such Precautions
- KFF Health Tracking Poll – December 2020: COVID-19 and Biden’s Health Care Agenda
- Potential Health Policy Administrative Actions Under President Biden