Best Flagstaff Employee Benefit Packages Near Me – Premium Flagstaff AZ Employee Benefit Plans Provider

Thursday, December 7, 2023 11:49 Posted by Admin
employee benefit packages Flagstaff AZ, employee benefit plans Flagstaff AZ, employee benefits Flagstaff AZ

Navigating the world of employee benefits can be challenging, especially when you’re trying to maximize value for both employees and your company. In Flagstaff, AZ, a thriving community with a diverse workforce, creating a comprehensive and cost-effective benefits package is essential to attract and retain top talent. This guide will provide you with valuable insights and resources to help you design and implement employee benefit packages Flagstaff AZ that works best for your organization, clients, and employees.

We will explore the employee benefit landscape in Flagstaff, discuss various insurance and retirement plan options, understand the Affordable Care Act’s impact, and highlight the importance of online benefits centers. Additionally, we’ll cover enrollment and support services, insurance and disability coverage, employer advantages, and local providers and services. By the end of this guide, you’ll be equipped with the knowledge to create a benefits package that meets the needs of your workforce while maximizing value for your company.

Key Takeaways

  • Flagstaff AZ offers a comprehensive range of employee benefits, from health insurance to retirement plans and educational resources.
  • Employers can create cost-effective packages with the help of an insurance broker and strategies such as HSAs, preventive care options, etc.
  • Investing in employee benefits leads to increased ROI, job satisfaction & productivity – local providers offer tailored benefit packages for employers’ unique needs.

Understanding Flagstaff’s Employee Benefit Landscape

City of Flagstaff employee benefit landscape

Flagstaff offers a rich array of benefits for its workforce, including:

  • Health insurance
  • Savings and retirement plans
  • Wellness and voluntary benefits
  • Employee assistance programs

As an employer, understanding the landscape helps in crafting a package that aligns with your employees’ needs. Resources such as the Employee Online Benefits Center, with a contact number of (800) 307-0230, can provide information on flexible spending accounts and other benefits.

In Flagstaff, employers like Northern Arizona University (NAU) provide reduced tuition at the city and three state universities for employees and their eligible family members, promoting their financial health. Employees in Flagstaff are also entitled to paid time off, including holidays, vacation, sick time, and funeral pay. Understanding these benefits and resources can help you create a competitive benefits package that attracts and retains the best employees in the city.

Crafting a Cost-Effective Benefits Package

Crafting a cost-effective benefits package

Developing a cost-effective benefits package serves the interests of both employers and employees. Essential elements of such a package include:

  • Health insurance (medical, dental, and vision)
  • Life insurance
  • Disability insurance
  • Retirement plans
  • Paid leaves or vacation days
  • Wellness programs

Working with an insurance broker enables the integration of products from multiple vendors and negotiation for reduced rates, guaranteeing options that best suit your organization.

To create a cost-effective employee health insurance plan in Flagstaff, consider the following strategies:

  • Shift to plans with higher deductibles and Health Savings Accounts (HSAs)
  • Improve employee education about healthcare
  • Encourage preventive care
  • Explore telehealth options

When devising employee retirement plans, you can:

  • Claim the startup costs tax credit
  • Utilize a matching contribution or profit-sharing plan
  • Take deductions for contributions
  • Select a retirement plan design that reduces costs.

Health Insurance Options

Health insurance options in Flagstaff

Flagstaff employees have the option to select from three health insurance plans provided by Blue Cross Blue Shield – Base, Buy-Up, or High Deductible Health Plans. Including group health insurance in a benefits package offers several advantages for both employees and employers. Employees prioritize companies with group health insurance as it provides access to high-quality coverage at an affordable price. Employers gain an edge in the local labor market, as employees with insurance coverage tend to be more loyal and productive.

Local resources like the HealthyBlue Beginnings program offered by Blue Cross Blue Shield provide maternity support to employees. Employees can consult the BCBS plan books for information regarding covered treatments and procedures or contact BCBS to inquire if the information is not listed. Vision insurance options for Flagstaff employees include Exam Only or Buy Up plans, and CVS Caremark is a prescription plan that employees are automatically enrolled in.

Savings and Retirement Plans

Savings and retirement plans for Flagstaff employees

Flagstaff employees have access to various savings and retirement plan options. City of Flagstaff employees are eligible to participate in either Arizona State Retirement System (ASRS) or Public Safety Personnel Retirement System (PSPRS) retirement plans. Employees who are eligible for benefits can save additional funds for their retirement through the 457 Deferred Compensation plan. This plan offers eligible everyone an excellent opportunity to prepare for retirement..

Financial planning resources are available to employees, including one-on-one financial planning. The City of Flagstaff offers Life Insurance/AD&D coverage equivalent to one times the employee’s annual salary. By providing a complete and diverse range of savings and retirement plans, you can cater to the unique needs of your employees and help them achieve financial security in the long term.

Wellness and Voluntary Benefits

Wellness and voluntary benefits for employee satisfaction

Wellness and voluntary benefits are additional offerings from employers that can increase employee satisfaction and well-being. Employers in Flagstaff generally offer the following wellness benefits:

  • Medical, dental, and vision insurance
  • Retirement funding accounts
  • Comprehensive healthcare packages
  • Office yoga classes
  • Flexible work arrangements
  • Mental health support

These benefits are designed to support the pay and the well-being of eligible employees and contribute to a positive work environment.

The most commonly chosen voluntary benefits among employees in Flagstaff include life insurance, supplemental health insurance, medical other (such as critical illness and accident insurance), and vision insurance. These benefits allow employees to make choices that cater to their individual needs, enhancing their overall well-being and reducing stress levels.

Navigating the Affordable Care Act in Flagstaff

The Affordable Care Act (ACA) has a significant impact on employee benefits in Flagstaff. It mandates certain employers provide health insurance coverage to their employees or pay a penalty and establishes standards for the coverage provided, such as essential health benefits and preventive services. The ACA has expanded Medicaid and introduced individual marketplaces, providing more small-business employers with access to healthcare.

Flagstaff businesses can comply with the ACA by:

  • Familiarizing themselves with its provisions
  • Understanding its impact on their business
  • Meeting the employer mandate
  • Exploring options for purchasing health insurance through the Small Business Health Options Program (SHOP) marketplace
  • Seeking guidance from insurance brokers or consultants who specialize in navigating the ACA requirements
  • Staying updated on any changes or updates to the ACA regulations that may affect their business.

The Role of Online Benefits Centers

Online benefits centers are key in managing and accessing employee benefit information. These digital platforms provide employees with access to their benefits information and resources, enabling them to:

  • View and manage their benefits such as health insurance, retirement plans, and paid time off
  • Access important documents and forms related to their benefits
  • Make changes to their benefits elections during open enrollment periods
  • Find information and resources related to their benefits, such as FAQs and contact information for benefit providers

Online benefits centers can simplify the online benefits center administration process for employers and offer employees convenient access to their benefits information.

Utilizing online benefits centers for employees provides multiple advantages, such as access, efficiency, access to data and resources, self-service capabilities, and enhanced communication and support. For employers, the advantage of online benefits centers can lead to increased customer engagement, streamlined administrative tasks, improved employee satisfaction, cost savings, and enhanced data security.

Enrollment and Support Services

Open enrollment is a significant period when employees evaluate and make decisions about their benefits coverage, including selecting or altering health, dental, and life insurance plans, along with other voluntary benefits such as legal services or pet insurance coverage. In Flagstaff, employees can access support services and assistance during the enrollment process through a variety of sources, such as:

  • The benefits offered by the City of Flagstaff
  • Coconino County
  • Flagstaff Unified School District
  • Northern Arizona University
  • North Country HealthCare

These organizations provide comprehensive benefits and resources to guide employees through the open enrollment process. For example, the FUSD Benefits Roadmap is a comprehensive guide created to assist FUSD employees with the login and enrollment process, helping them maximize their buying power when selecting benefits.

By offering robust enrollment and support services, you can ensure your employees have the necessary information and assistance to make the best decisions regarding their benefits.

Open Enrollment Guidance

Open enrollment for employee benefits in Flagstaff typically occurs in January. At this time, employees have the opportunity to select, enroll, modify, or opt out of certain group benefit plans, customizing their benefits package to their individual needs. Having access to resources and support during the open enrollment process is vital for employees.

Several local services are available to assist with employee benefits enrollment and support in the city of Flagstaff, including the Northern Arizona Public Employees Benefit Trust (NAPEBT), which provides information, assistance, and support for employee benefits. Benefit & Financial Strategies, LLC, located in downtown Flagstaff, offers local representatives to assist with any questions regarding benefits enrollment. By providing these resources, you can help your employees navigate the open enrollment process with ease and confidence.

Employee Assistance and Resources

Employee assistance programs (EAPs) in Flagstaff, such program as an employee assistance program, may include:

  • Legal assistance
  • Financial assistance
  • Retirement assistance
  • Specialized trauma-intervention services

These programs provide employees with resources and support to address personal and work-related issues, such as individual counseling, mental health support, and referrals to external resources.

Flagstaff employees have access to various resources that can assist them in making informed benefit decisions, such as Benefit & Financial Strategies, which provides personalized financial planning services, and one-on-one meetings with benefit counselors who can provide guidance and answer questions.

Offering these assistance programs and combining resources enables your employees to make accurate decisions about their benefits and get the most out of their benefit packages.

Enhancing Employee Financial Security with Insurance and Disability Coverage

Insurance and other term disability coverage can help improve employee financial security by offering income protection in the event of an injury or illness. Here are some key details about Long Term Disability insurance:

  • Provides a benefit for a “long term” disability resulting from a covered injury or sickness
  • Offers a benefit of 66 2/3 percent of monthly compensation after six consecutive months of disability
  • The maximum benefit is $5,000 per month, not exceeding 60% of covered earnings, rounded to the next lower increment.

Short Term Disability income protection insurance provides financial assistance eligible employees in the event of a disability caused by an injury or sickness. The disability must be of a “short term” duration to qualify for the benefit. Providing these insurance options bolsters your employees’ financial security and peace of mind, guaranteeing they receive necessary support during challenging times.

Employer Advantages: Investing in Your Workforce

Investing in a comprehensive employee benefits package offers several benefits for employers. It can:

  • Enhance employee retention and morale
  • Increase job satisfaction and productivity
  • Foster a healthier workforce
  • Provide a competitive edge in attracting high-quality employees

Investing in employee benefits can elevate employee happiness, work quality, and engagement, yielding a higher return on investment (ROI) and enhanced performance.

Moreover, employee development and training programs can have a positive effect on productivity and morale. Providing advantageous benefits indicates that your employer or company is invested in the welfare of its employees, which can increase employee engagement and loyalty. Investing in your workforce fosters a positive and supportive work atmosphere, leading to increased productivity and a happier, more loyal workforce.

Community Connection: Local Providers and Services

Flagstaff has a strong community connection, with local providers and services that can help employers create a tailored benefits package for their workforce. Leading health insurance providers in Flagstaff include Blue Cross Blue Shield of Arizona, UnitedHealthcare of Arizona, Cigna HealthCare of Arizona, Banner Aetna, Humana, and Arizona. Retirement plan services are available through ASRS, Federal Retirement Services, Benefit and Financial, TCI Wealth, Vora Financial Group, and Merrill Lynch Wealth Management.

Providers offering wellness and voluntary benefit packages in Flagstaff include The Hartford. Flagstaff-based companies, such companies such as the NAPEBT Administrative Manual and the Employee Online Benefits Center offered by FUSD, provide online benefits centers to help employees manage their benefits. By engaging with local providers and services, you can create a benefits package that meets the unique needs of your workforce and fosters a strong sense of community.


In this comprehensive guide, we’ve explored the employee benefit landscape in Flagstaff, discussed various insurance and retirement plan options, and highlighted the importance of online benefits centers. We’ve covered enrollment and support services, insurance and disability coverage, employer advantages, and local providers and services. By understanding these aspects, you can create a benefits package that meets the needs of your workforce while maximizing value for your company.

Investing in your workforce through a comprehensive employee benefits package is essential in today’s competitive job market. By providing a diverse range of benefits and resources, you can foster a positive and supportive work atmosphere, improve productivity, and enhance employee loyalty. Remember, the key to success is understanding the needs of your employees and tailoring your benefits package to meet those needs.

Frequently Asked Questions

What are Arizona State employee benefits?

Arizona State employees enjoy a range of benefits including sick leave, health and dental insurance, life insurance, long-term disability insurance, employee assistance, wellness programs and employee discounts. These benefits provide valuable support and security to Arizona State employees.

What is the Northern Arizona employee benefit trust?

Northern Arizona Public Employees Benefit Trust (NAPEBT) was formed in 1993 to provide a comprehensive and cost-effective benefits package by combining resources and leveraging the buying power of a group of public employers. It serves those who serve the public, offering a range of benefits to employees of the City of Flagstaff, Coconino County, Coconino County Community College, Flagstaff Unified School District, Mountain Line and more.

What are the benefits of the Flagstaff Police Department?

The Flagstaff Police Department provides great benefits, such as medical, prescription, dental, vision, life insurance, and short and full life and long term disability options. For more information, please visit

What types of employee benefits are available in Flagstaff, AZ?

Flagstaff, AZ offers comprehensive employee benefits packages, including health insurance, savings and retirement plans, wellness and voluntary benefits, and employee assistance programs.

How can I create a cost-effective employee benefits package?

Working with an insurance broker to integrate products from multiple vendors, and exploring various health insurance, retirement plan, and wellness benefit reimbursement options can help create a cost-effective employee benefits package.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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