Employee Benefits

Just because you have a small company doesn’t mean you want small-company benefits. Optimum’s comprehensive plans represent the best benefits out there so you can compete with large companies and attract and retain top talent. We’ve partnered with national insurance carriers and secured competitive rates for your company 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.

Medical Plans

HMO, PPO and high deductible (HDHP) plans that cover preventative, routine, and emergency care, as well as prescription drugs.

Dental Plans

DMO 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.

Flexible Spending Accounts (FSA)

Account that allows employees to allocate pre-tax income for eligible healthcare and dependent care expenses.

Health Savings Account (HSA)

Investment account used in conjunction with a high deductible health plan that allows your employees to set aside pre-tax income for eligible healthcare expenses.

Life and AD&D Insurance

Covers employees in the event of loss of life with an additional accidental death benefit. Flat rate and one times annual salary plans are available.

Short and Long-Term Disability Insurance

Covers employees in the event they become disabled and are unable to work for long periods of time.

Retirement Plan 401k

Provides your employees access to top funds so they can set aside pre-tax dollars for their retirement.

Employee Assistance Program (EAP)

Confidential 24-hour hotline for family, health and other personal matters.

Employee Discount Program

Through our large group buying power, we provide your employees corporate discounts on movie tickets, theme parks, sporting events, cell phone coverage, and more.

Voluntary Benefits

Employees may purchase additional life & AD&D and short and long-term disability insurance for themselves and their dependents.  In addition, we offer voluntary pet insurance and prepaid legal plans for your employees.

Benefits Administration

Full company benefits administration including new hire eligibility tracking, open enrollment, employee education, billing reconciliation, ACA/HIPAA/government compliance and COBRA.