We’ll help you manage a growing workforce to stay competitive.


A business of your size depends on hiring and keeping the best available team. And they depend on you to provide them the confidence that they and their families are covered by comprehensive health and wellness benefits.

Your Highstreet agent is part of a team of dedicated benefits specialists who can help you evaluate your current policies and packages, and help you plan for the best coverage to fit the unique needs of your business and budget.


Employees place high value on health insurance.

While there are many ways for employees to get health insurance, the majority want to be covered by their employer. And the most sought-after employers agree.

67%of employeessay that employer-covered health care is the benefit most important to them.

Forbes, 2023

89%of insured workersprefer getting their health coverage through an employer than through other means.

U.S. Chamber of Commerce, 2022

We’ll help you find the coverage your employees want, with policies that make sense for your business realities.

You know that staying competitive means putting the wellbeing of your people first. With so many options available for employee benefits coverage, we can help you find the right plans for your employees, and for your company.

Employee Healthcare Plans
Life and Disability Coverage
Mental health support
Wellness benefits
Voluntary benefits
Additional Employee
Benefits Services

Employee Healthcare Plans

To help your team stay healthy and productive, without worrying about high costs for medical, dental, vision , and other care, including prescription drugs.  

There are several types of health and other plans available to businesses:


(preferred provider organization) plans

These plans have contracts with a network of participating medical providers, such as hospitals and doctors. Under the plan, you and your employees will pay less for services if participants use providers that belong to the plan's network.


(health maintenance organization) plans

An HMO usually limits coverage to care from doctors who work for or contract with the HMO. What makes it different from a PPO is that it generally won't cover out-of-network care except in an emergency. An HMO may also require participants to live or work in its service area to be eligible for coverage.


(health savings account) qualified plans

This is a type of savings account that lets participants set aside untaxed money to pay for qualified medical expenses. HSA-eligible plans may have lower monthly premiums, but deductibles can be higher.


(Health Reimbursement Arrangement)

These plans reimburse employees for approved medical and dental expenses. The employer determines a reimbursement amount up to a yearly limit.

Life and Disability Coverage

Life insurance, short- and long-term disability and dependent coverage can give your team the confidence that they and their families will be covered in a crisis.

  • Group term life insurance
  • Group universal life insurance
  • Group carve-out plans
  • Short-term disability
  • Long-Term disability

Mental health support

With mental health support more top-of-mind than ever, you can offer your team coverage for counseling, therapy, support and Employee Assistance Programs (EAP).

Wellness benefits

Support for healthy living and proactive health, such as:

  • Wellness
  • Wellness
  • Smoking
  • Health
  • Fitness

Voluntary benefits

A voluntary program can enable your employees to get additional coverage that’s tailored to reflect their age, health and lifestyle choices, including:.


  • Dental
  • Vision
  • Prescription drugs
  • Life
  • Disability
  • Mental Health
  • Wellness


  • Home insurance
  • Mortgage protection
  • Home security
  • Identity theft
  • Financial planning
  • Legal services
  • And more


  • Childcare
  • Eldercare
  • Adoption assistance
  • Pet insurance
  • And more

Additional Employee Benefits Services

Your local Highstreet agent can also help you find and implement additional services to help you manage your employee benefits plans:

Benefits administration

Benefits administration is a service that helps your company develop an employee benefits package that supports the needs of your workforce and meets your business goals and budget, including simplifying enrolment and minimizing risk.

Employee Benefits Compliance

Keeping up with changing regulations is a challenge. Our compliance experts can help you give your people the coverage they require — and avoid costly fines and settlements for mistakes — by ensuring your employee benefits follow local, state and federal laws.

Professional Employer Organization (PEO)

PEOs provide integrated, outsourced human resource services. Is it time to look into a PEO for your business or organization? Highstreet can help you find out and if needed place your HR with a trusted PEO. If you already have a PEO, your Highstreet agent can also help you evaluate if your current arrangement puts you in the best possible position.

Market review

To ensure your employee health and wellness plan is providing the best value possible for your people and your business, we can review your plan in depth and help you determine how your plans compare to benchmarks and when it’s time to “go to market” to optimize coverage.

Frequently asked questions about employee health and wellness plans

Your business faces unique challenges and opportunities. Your Highstreet agent is here to understand your HR needs for employee health and wellness, as well as your business goals. There is no one-size-fits all solution, but there are options that are just right for you.

The cost of employee health benefits is usually shared by the employer and employee. The cost will depend on the type of benefits you provide, whether you are covering employees only, or including dependents, and the percentage of your employer contribution. 

Your Highstreet agent can help you find an arrangement that works for you, and which complies with any relevant state and federal requirements.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in the hours, or transition to a new job, as well as death, divorce, and other life events. 

COBRA can require that group health plans sponsored by employers with 20 or more employees offer employees and their families the opportunity for continuation coverage. Your Highstreet agent can help you understand COBRA, and whether it applies to your situation.

A professional employer organization, or PEO, is a partner that provides payroll, benefits and HR support, including employee benefits. Your Highstreet agent can advise you on whether hiring a PEO would be best for your business and team. If you already have a PEO, your Highstreet agent can also help you evaluate if your current arrangement puts you in the best possible position.

While workers’ compensation rules can vary from state to state, if you have employees your business is probably required by law to have insurance that covers their medical bills, lost wages, and/or legal costs if they are injured at work.   

To find out more about what type of coverage your business requires, visit the Workers Compensation page on this website, or ask your Highstreet agent.