Flexible, Cost-Effective Employee Benefit Packages
Building a strong benefits package is essential for attracting and retaining top talent while keeping your business competitive. At Hawkins Insurance Agency, we partner with top Arkansas carriers to design flexible solutions—from primary medical care to comprehensive supplemental coverage—tailored to fit your company’s budget and your team’s needs.
Medical Insurance
Medical insurance is the primary benefit for employers to consider when building their employees’ benefit packet. With rising costs of health care seen daily, it can be challenging to align good benefits with affordability. Our agency partners with top Arkansas carriers to develop a plan that will meet the clients’ needs. These include fully insured plans, level funded plans, self-insured plans, and self-funded captive plans.
Dental Insurance
Dental insurance is a popular benefit for employers to consider. Offering plans that include routine cleanings to preventative care and more complex procedures such as crowns and fillings. Providing dental insurance encourages employees to stay on top of their oral health and prevent costly issues that may arise in the future.
Vision Plans
Vision insurance can provide an added component to healthcare. Regular eye exams can help detect vision issues and even identify early signs of more serious health issues. Plans also include coverage for glasses and contacts yearly at affordable costs.
Group Term Life
Group Term Life is highly valued among our clients, offering term life options for protection. Employees can add additional coverage for spouses and children. This benefit provides financial support to loved ones in the event of a loss to help cover debts, cost of living and funeral arrangements.
Long Term Disability
Long Term Disability provides financial protection to employees who are unable to work for long periods of time due to an illness or injury. Like short term disability, it pays a percentage of an employee’s salary during the disability period after a waiting period and when the short-term disability ends.
Short Term Disability
Short Term Disability provides income replacement to employees who are unable to work for a short period of time due to illness, injury, or maternity leave. Once short-term disability ends, long-term disability may begin to provide continued financial protection if needed.
Accident Insurance
Accident insurance provides financial support if an employee is involved in an injury that is a result of an accident, whether on or off the job. Benefits are paid directly to the employee to help cover medical expenses like deductible, co-insurance, and additional out-of-pocket expenses. The plans typically include a wellness benefit supporting overall health
Hospital Indemnity Insurance
Hospital Indemnity Insurance provides direct payments to employees to help cover expenses associated with hospital stays or medical care. Benefits are used for surgeries, hospital confinement, or outpatient visits to the ER or urgent care. This plan includes a wellness benefit to encourage employees to stay on top of their health.
Critical Illness Insurance
Critical illness insurance provides financial protection to employees upon the diagnosis of a covered condition. This allows employees to focus on recovery rather than unexpected expenses. Policies cover a range of specified conditions which include cancer, heart attack, stroke, and end-stage renal failure. This plan includes a wellness benefit to encourage employees to stay on top of their health.
Health Savings Account
The purpose of an HSA is to be used alongside a high-deductible health plan (HDHP). This account allows employees to set aside pre-tax dollars to help cover approved medical expenses. These include doctor visits, medications, dental care, and vision services. This account offers ways to help employees manage their healthcare costs. The annual maximum is set by the IRS.
Flexible Spending Accounts
A Flexible Spending Account (FSA) offers similar pre-tax savings advantages to an HSA, allowing employees to pay for eligible medical expenses with tax-free dollars. However, FSAs come with a strict annual rollover limit. Because any unused funds above this cap may be forfeited at the end of the plan year, it operates on a "use-it-or-lose-it" basis.