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
GET YOUR FREE QUOTE
51+ Employees
GET YOUR FREE QUOTE
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

Consult
Image
Quote
Image
Get Covered
Consult
Image
Quote
Image
Get Covered

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