Employee Benefits

We Specialize in Employee Benefits Solutions

Higgins represents several highly rated insurance companies specializing in employer sponsored group health and employee benefit programs. From five employees to the largest employer in town, we can design a custom tailored program within any CFO’s budget. For the benefit of each decision maker, we regularly meet with you during the year. As an Independent Agent, we annually monitor the insurance market on your behalf to obtain the best coverage and pricing for you. Working together, we will do our best to identify and solve potential claim problems before they arise.

Our unique approach to service distinguishes us from others in our industry. Not only does it take a large commitment, but it requires great consistency. Consistency refers to meeting with clients on a regular basis and forging partnerships typically unseen. We are not the “cookie cutter” agency who delivers the renewal pricing and visits you on a relatively infrequent basis.

Likewise, our approach requires that our clients display a deep desire to involve themselves in the program. In concert with you, we will control loss experience, manage employees’ health and wellness and positively influence future premiums. Please call us to analyze your current insurance program and allow our specialists to negotiate broader coverages on your behalf.

Because experience matters.

Does your current Employee Benefits Program include:

  • Pre-tax benefits?
  • Supplemental product options?
  • COBRA administration?
  • Multiple health insurance options?
  • Tax advantaged spending accounts?

What We Offer

Regardless of your plan and carrier selection we will assist in the following areas:

  • Plan Design
  • Program Implementation
  • Orientations
  • Employee Communication
  • Enrollment
  • Health and Wellness Education
  • Carrier Communication
  • Employee/Carrier Intervention

Results will be measured as we deliver:

  • Greater Employee Participation
  • Improved Employee Morale
  • Enhanced Communication
  • Better Claims Experience
  • Premium Increase Control
  • Reduced Employer Administrative Obligations
  • Heightened Awareness of Health and Wellness

Products & Services

  • Group Medical
  • Group Disability (Long & Short Term)
  • Group Life / AD&D
  • Group Dental
  • Group Vision
  • Employee Assistance Services
  • Wellness Programs
  • Supplemental (Payroll Deduction)
  • Cafeteria Plans
  • Health Savings Accounts
  • Self Insured Plans


HR360 is an online human resources library that provides the most recent Federal & State laws for healthcare reform, Cobra, FMLA, and hiring & terminating employees. HR360 is also used as a Compliance Resource for Higgins customers. Through HR360, we can create Wrap Documents, Summary Plan Descriptions (SPD’s), Premium Only Cafeteria Plans & Benefit Notices. The best news of all is it is available to all of Higgins customers as a complimentary value-added service!

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