Health and wellness benefits scaled for large and enterprise businesses.


When it comes to attracting and retaining the best talent in a highly competitive labor market, many industry-leading businesses like yours offer the best possible employee health and wellness benefits plans.

Your Highstreet agent is part of a team of dedicated benefits specialists who can help you find the policies and packages that fit the unique needs of your people, and your business strategy.


The demand for better benefits continues to grow.

Top talent are looking for more robust and comprehensive health and wellness benefits. You’re looking for the best coverage at the best value.

62% of businesseshave changed their benefit offerings in the past year in response to a changing labor marketplace.

Forbes, 2023

43%of employeesreported that their employer offers health insurance with coverage for mental health and substance use disorders.

American Psychological Association, 2023

Are you offering the most competitive benefits package possible?

Healthcare costs are rising, as are expectations for employee health and wellness benefits. The commercial insurance specialists at Highstreet can review your current benefits plans and insurance providers to ensure your offering is aligned with your employees’ needs and preferences, the competitive landscape of your industry, federal and state requirements, and of course your budget.

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.

Mental health support

With mental health support more top-of-mind than ever, you can offer your team coverage for counseling, therapy and crisis support.

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
  • Accident and Critical Illness
  • 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:

Market review

To ensure your employee health and wellness plan is providing the best value possible, your Highstreet agent can review your plan in depth and help you determine when it’s time to “go to market” to validate that your insurance policies are the right fit.

Self-funded plans

A self-funded (also known as self-insured) plan means that you, as the employer, assume the financial risk for providing employee health benefits. In this arrangement, the employer pays for claims out-of-pocket rather than an insurance company. To pay for this, it may be necessary to set up a special trust fund financed by corporate and employee contributions. Your Highstreet agent can assist you in evaluating whether a self-funded plan might be good for your business.

Group-purchasing plans

A group-purchasing plan, or GPO, is an arrangement by a group of businesses to lower the cost of insurance coverage (or other products or services) through economies of scale. Your Highstreet agent can help you look at group-purchasing opportunities and provide information and guidance for you to decide if this option is best for you.

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.


A carve-out is the common practice of purchasing a portion of your employee benefits, such as prescription drugs from a different insurance company than the one that provides other coverage. Your Highstreet agent can help you evaluate whether a specific carve-out is in your best interests, including how it may affect stop-loss coverage, which protects you if losses go over a specified amount during the year.

Employee Benefits Compliance

Help complying with labor and other laws for employee benefits and other programs to ensure they follow local, state and federal laws.

Employee communications

Your Highstreet agent can help you with internal communications and onboarding for your benefits plans, including providing resources and specialists who can explain the plans, including voluntary benefits, and answer any questions they may have.

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.

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.