Just because you have a small company doesn’t mean you want small-company 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.
WHO WE ARE
Humans With Resources
Optimum pools together thousands of employees across our client base, doing what no insurance broker can, so you can provide your employees the best benefits at affordable rates usually only afforded to large companies.
HMO, PPO, and high-deductible (HDHP) plans that cover preventative, routine, and emergency care, as well as prescription drugs.
HMO and PPO dental plans that cover routine cleanings, x-rays, major restorative services, and orthodontia.
Vision care plans that cover eye exams, eyeglasses, and contact lenses.
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.
For those companies that want to provide a bit more than their competition.
Flexible Spending Accounts (FSA)
Account that allows employees to set aside pre-tax income for eligible healthcare and dependent care expenses.
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.
Flat rate and one times annual salary plans are available.
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 Assistance Program (EAP)
Confidential 24-hour hotline for family, health, and other personal matters.
Employee Discount Program
Provides corporate discounts on movie tickets, theme parks, retail goods, and more.
Reimburses eligible expenses when a critical illness such as heart attack, stroke, or cancer occurs.
Provides coverage for eligible veterinary expenses such as major illness or surgery.
Provides employees access to on-call attorneys at a low monthly rate.
Reimburses eligible expenses such as ambulance transfer, emergency treatment, hospitalization, or surgery when a major accident occurs.