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 Protect Medicare, Strengthen Medicare Advantage, and Hold Insurers Accountable
- Biden-Harris Administration Proposes New Rules to Expand Access to Birth Control Coverage Under the Affordable Care Act
- HHS Approves California’s Medicaid and Children’s Health Insurance Plan (CHIP) Demonstration Authority to Support Care for Justice-Involved People
- Biden-Harris Administration to Launch Summit Series to Advance Asian American, Native Hawaiian, and Pacific Islander Economic Equity
- HHS Awards $139 million for Special Diabetes Program for Indians
- Medicaid eligibility redeterminations will resume in 2023. Here’s what enrollees need to know.
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