Best Houston Employee Benefit Packages Near Me – Premium Houston TX Employee Benefit Plans Provider

Monday, October 16, 2023 15:10 Posted by Admin
Employee benefit packages Houston TX, Employee benefit plans Houston TX, Employee benefits Houston TX

Are you struggling to attract and retain top talent in Houston, TX? Look no further; a comprehensive and customized employee benefit packages Houston TX could be the game-changer your business needs. In a competitive job market, offering an attractive benefits package can make all the difference. In this blog post, we’ll explore various components of employee benefit packages, the impact of the Affordable Care Act, and how to tailor these packages to suit your business needs. Let’s dive in!

Key Takeaways

  • Houston, TX employers can provide comprehensive benefit packages to their employees including health insurance, life insurance and disability coverage.
  • Additional benefits such as dental/vision plans and retirement options are available with various tax advantages.
  • Employers must understand the Affordable Care Act requirements while effectively communicating employee benefits for maximum value.

Understanding Employee Benefit Packages in Houston, TX

A top company with well-rounded employee benefits package typically includes health insurance, life insurance, disability insurance, and paid holidays. Employees in Houston, TX, can access a top company a wide range of other benefits, from accident or sickness coverage to wellness programs and retirement plans.

When choosing between group health insurance or life insurance plans, it’s important to consider factors such as cost, selection process, and employee and family satisfaction, as well as the needs of family members. Companies like JS Edwards & Sherlock provide comprehensive solutions for employee benefits in the city, thanks to their commitment to staying informed about the latest trends and their thorough analysis of medical plan design information.

Health Insurance

Houston, TX, boasts an array of other health care services and insurance options from top providers like:

  • Aetna
  • Cigna
  • Humana
  • UnitedHealthOne
  • Blue Cross Blue Shield of Texas
  • Assureant

These health care providers offer various medical plan and types of health care providers that cater to the unique needs of your employees.

With group health insurance plans, employers and employees on same group health insurance plan can share premium costs under same plan, which reduces the individual expenditure for health insurance benefits. Also, adding flexible spending accounts to employee benefit packages can help employees save on healthcare expenses.

Life Insurance

In Houston, TX, life insurance forms a key part of an employee benefits package. It offers financial protection for employees and their families in the event of an untimely death, ensuring their financial security. Typically, employee benefit packages include:

  • Whole-life insurance
  • Universal life insurance
  • Group-term life insurance
  • Dental insurance
  • Vision insurance

The benefits coverage amount for basic life insurance is usually based on the employee’s base annual salary, but employers may also offer optional term life insurance for additional benefits coverage amount. To comply with legal requirements in Houston, TX, consult the Houston City Human Resources department or an insurance professional.

Disability Insurance

Disability insurance offers financial protection to employees unable to work due to sickness or disability, by supplementing a portion of their income and thereby helping them maintain their standard of living. Businesses in Houston, TX, can choose to provide short-term, short term, and long-term disability insurance for their employees.

Selection of a disability insurance plan should take into account factors such as:

  • Coverage amount
  • Elimination period
  • Benefit duration
  • Occupation-specific coverage
  • Premiums
  • Treatment of pre-existing conditions

The plan should also avoid gender and health discrimination. The average cost of disability insurance varies, but individual long-term disability insurance generally costs about 1% to 3% of one’s annual salary.

Additional Employee Benefits in Houston, TX

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In addition to health, life, and disability insurance, businesses in Houston, TX, can enrich their employee benefits packages with dental insurance, vision insurance, and retirement plans.

Dental insurance options in Houston, TX, include plans from providers like Delta Dental, DentaQuest, and Guardian, which cover preventative exams, routine teeth cleaning, fillings, and x-rays. Vision insurance providers like Superior Vision, EyeMed Vision Care, and Humana offer coverage for eye exams and early detection of health issues. Retirement plans such as 401(k)s, 403(b)s, SEP IRAs, SIMPLE IRAs, and traditional IRAs are also available to employees in Houston, TX.

Dental Insurance

Houston, TX, offers two dental plans administered by Cigna, covering a wide range of services for employees. Some of the available dental insurance providers in the city include:

  • Delta Dental
  • Cigna
  • UnitedHealthcare
  • Humana
  • Ameritas Life

Typical dental plans in Houston, TX, follow the 100-80-50 model, with medical plan covering preventative care at 100%, basic procedures at 80%, and major procedures at 50%. However, the coverage details per medical plan may vary depending on the dental plan, and provider.

Vision Insurance

Regular, eye exams and examinations are important for detecting health issues like diabetes, hypertension, autoimmune disorders, and cancer early on. VSP, Davis Vision, and Humana are some top-rated vision insurance providers in Houston, TX.

The average cost of vision insurance for businesses in the city is approximately $14 per month, making it an affordable addition to an employee benefits package.

Retirement Plans

SIMPLE-IRAs, SEP-IRAs, and 401(k)s are available retirement plans for businesses in Houston, TX. Providing retirement plans offers tax advantages for businesses, including tax-deferred growth, immediate tax deductions for employer contributions, tax credits for offering a qualified plan part time employees, and deductible employer contributions.

The average employer contribution towards retirement plans may vary, but it generally ranges from a few percentage points of an employee’s salary to a fixed dollar amount.

Navigating the Affordable Care Act in Houston, TX

The Affordable Care Act (ACA) is a federal law that provides Houston, TX residents with health insurance coverage regardless of their employment status or ability to subsidize medical expenses. The ACA offers:

  • Incentives to promote employer wellness programs
  • The employer shared responsibility provision
  • The expansion of dependent coverage up to age 26 for employee benefit packages in the city.

While the ACA has increased access to healthcare and affordability for many people, benchmark premiums on the state exchange in Houston have slightly risen each calendar year since its implementation. Employers in Houston are responsible for providing a minimum level of health coverage to their full-time employees that meets the ACA’s minimum requirements, or they may face penalties.

Choosing the Right Employee Assistance Program (EAP)

sunset, men, silhouettes

Employee Assistance Programs (EAPs) are confidential services programs that offer counseling, support, and resources to employees experiencing personal or work-related issues. In Houston, TX, highly rated EAPs include Deer Oaks EAP Services, UTEAP (University of Texas Employee Assistance Program), and Harris Health’s Employee Assistance Program.

EAPs provide a range of services to support employee well-being, such as:

  • Free and confidential counseling
  • Assistance with work-life balance
  • Referrals for personal issues, including anxiety, depression, stress, grief, and relationship conflicts

The average cost of an EAP in the city of Houston, TX, is between $12 and $40 per eligible employee per calendar year.

Customizing Employee Benefit Packages for Your Business

Consider conducting a needs assessment and deploying employee surveys to gather feedback. This will help you customize your and other employee benefits packages to meet the specific requirements and preferences of your Houston, TX workforce.

Comprehensive health insurance, wellness programs, paid time off, family medical leave, employee discounts, long-term disability coverage, and retirement plans are commonly included in a customized package for time employees. To balance cost and value when customizing benefit packages for time employees, consider the following strategies:

  • Establish goals and objectives
  • Adapt to changing needs
  • Provide choices
  • Invest in professional development
  • Connect benefits to employee needs

By implementing these strategies, you) company can create a benefit package that meets the needs of your employees while also managing costs effectively.

Strategies for Communicating Employee Benefits

It’s crucial for employees to understand and appreciate their benefits, and effective communication plays a decisive role in this. In Houston, TX, businesses can:

  • Develop a communication strategy
  • Use attractive infographics and engaging videos
  • Provide electronic and printed materials
  • Offer training opportunities
  • Employ a variety of communication methods

These methods can help educate eligible employees about their benefits, including other, eligible employees about eligible employee benefits they may not be aware of.

Technology can also be leveraged to communicate employee benefits through various channels, including:

  • Social media platforms
  • Email marketing automation
  • Employee benefits platforms
  • Virtual webinars and workshops
  • Customized apps

Providing clear, concise information and training opportunities through these channels will help employees better understand their benefits, maximize their value, and build a culture of learning and development within the organization.


In Houston, TX, a comprehensive and customized employee benefits package can make all the difference in attracting and retaining top talent. By understanding the various components, such as group health insurance, life, and disability insurance, and offering additional benefits like dental, vision, and retirement plans, businesses can create a competitive and appealing package. Navigating the Affordable Care Act, choosing the right Employee Assistance Program, and effectively communicating these and other benefits back to employees can ensure a well-rounded and appreciated package. Invest in your employees’ well-being and future, and watch your business thrive.

Frequently Asked Questions

What benefits are available through the city of Houston?

The City of Houston provides medical, dental, vision, basic and voluntary life insurance, and supplement coverage to its employees. Contact the Benefits Division for more information.

What are the 4 major types of employee benefits?

Employee benefits typically include medical, insurance, paid time off, and retirement. These four types of traditional benefits can enhance employee engagement and retention, as well as provide an attractive benefit package to employees.

What is the Texas employee Group benefits Program?

The Texas Employees Group Benefits Program (GBP) provides employees, retirees and their families with valuable health coverage, through programs such as insurance and COBRA options. Most state agency and higher education employees and their families become eligible for GBP and health insurance coverage after 60 days of employment, allowing them to live healthy lives.

What is a standard benefit packages for employees?

Employee benefits packages typically include medical insurance, dental and vision coverage, life insurance, retirement planning, paid vacation and personal leave, paid sick leave, paid child care, fitness benefits, COBRA pay, FMLA, and state-mandated coverage like disability and workers comp.

What types of insurance should be included in an employee benefits package in Houston, TX?

Health, life, and disability insurance are essential elements of a comprehensive employee benefits package in Houston, TX, and it is recommended to include additional benefits such as dental, vision, and retirement plans.

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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