Medical Plans
HMO, PPO, and high-deductible (HDHP) plans that cover preventative, routine, and emergency care, as well as prescription drugs.
Employee Benefits
Big-Company Buying Power
Just because you have a small company doesn’t mean you want small-company employee benefits. We’ve partnered with national insurance carriers and secured competitive rates with our large group buying power. As a result, you’ll have greater control managing the cost of insurance for your company year over year. And you’ll be offering better employee benefits than the competition next door.
Insurance
Healthcare Benefits
Optimum pools together thousands of employees across our client base, doing what no insurance broker can, so you can provide the best employee benefits at affordable rates usually only offered to large companies.
Dental Plans
HMO and PPO dental plans that cover routine cleanings, x-rays, major restorative services, and orthodontia.
Vision Plans
Vision care plans that cover eye exams, eyeglasses, and contact lenses.
Compliance & Transparency
Transparency in Coverage
We have a long supported premium transparency for our clients. Compliance with the laws and regulations applicable to our clients and employees is our fundamental value, and we are actively complying with the Transparency in Coverage rule by providing the link below to the machine-readable files and consumer price transparency tool.
Financial Benefits
401(k) Retirement Plans
Set up a 401(k) plan and provide your employees with access to leading funds so they can set aside pre-tax dollars for their retirement. Optimum manages your plan in entirety so you can offer this important benefit without having to worry about paperwork, compliance, or testing.
Additional Benefits
For those companies that want to provide better employee benefits than their competition.
Identity Protection Services
Prevent ID theft or restore your identity if you become a victi
Flexible Spending Accounts (FSA)
Account that allows employees to set aside pre-tax income for eligible healthcare and dependent care expenses.
Life Insurance
Flat rate and one times annual salary plans are available.
Employee Assistance Program (EAP)
Confidential 24-hour hotline for family, health, and other personal matters.
Critical Illness
Reimburses eligible expenses when a critical illness such as heart attack, stroke, or cancer occurs.
Pre-Paid Legal
Provides employees access to on-call attorneys at a low monthly rate.
Health Savings Accounts (HSA)
Account used in conjunction with a high-deductible health plan that allows your employees to set aside pre-tax income for eligible healthcare expenses.
Short and Long-Term Disability
Replaces a portion of income if an employee becomes disabled and unable to work for long periods of time.
Employee Discount Program
Provides corporate discounts on movie tickets, theme parks, retail goods, and more.
Pet Insurance
Provides coverage for eligible veterinary expenses such as major illness or surgery.
Accident Insurance
Reimburses eligible expenses such as ambulance transfer, emergency treatment, hospitalization, or surgery when a major accident occurs.
Identity Protection Services
Prevent ID theft or restore your identity if you become a victim
