Employer Health Plans & Hawaii Employee Benefits

ProService offers healthcare options with HMSA and Kaiser Permanente.

HMSA Insurance. HMSA is Hawaii’s largest health insurance carrier and includes over 7,500 participating doctors, specialists, and other healthcare providers state-wide. With HMSA group plans, members can access every full-service and community hospital in the state. All neighbor island members will also have full access to hospitals on their island or county and may be eligible for HMSA’s Care Access Assistance Program, which helps pay for travel expenses should they need care on Oahu. 

HMSA plan options:

• 1 HMO plan 
• 3 PPO plans, including the most valuable PPO plan on the market

Kaiser Permanente Health Insurance. Kaiser Permanente is Hawaii’s largest integrated medical care program, with over 700 physicians and providers in 100+ specialties, providing in-person care across 20+ clinics. Members also have convenient access to virtual care options 24 hours a day, 7 days a week. Members can earn a free gym membership at fitness centers statewide and enjoy on-demand self-care apps at no additional cost, including Calm, Ginger, myStrength, and ClassPass. We also offer complimentary neighbor island concierge services and if you’re traveling outside a Kaiser Permanente service area on the mainland, get urgent care at contracted urgent care centers throughout the mainland. 

Kaiser Permanente plan options:

• • 2 HMO plans (Kaiser Permanente 220 and Kaiser Permanente 320 plans)

Voluntary benefits are optional benefits that employees themselves pay for through payroll deductions. Sometimes voluntary benefits are commonly referred to as “supplemental benefits.” At ProService, we provide a wide range of voluntary benefits you can offer your team to help them thrive while building up your employer brand. Give your employees the support and tools they need to succeed not just in their careers but in their personal lives as well.

• Dental Insurance. We work with Hawaii Dental Service (HDS) and HMSA to create customized dental plans focusing on preventive care. Under these plans, bi-annual exams and cleanings are 100% covered and no longer count toward the annual plan maximum. Additionally, both plans offer cosmetic orthodontic coverage for adults and children.
• 401(k) Benefits: Help your team save for tomorrow with 401(k) retirement savings plans. We partner with TransAmerica to offer world-class retirement 401(k) benefits at a fraction of the market cost. With flexible plan types ranging from 401(k) matching to profit-sharing options and Safe Harbor, you can structure your plan to fit your business. Learn more about retirement savings plans.
• Flexible Spending Account (FSA). Take care of your employees and their families by offering them access to a Flexible Spending Account (FSA). Employees can save 15-30% on their tax returns with an FSA by using their pre-tax dollars to pay for certain healthcare, dependent care, or transportation expenses. When you offer this benefit to your team, you also save on employer payroll taxes. Learn more about Flexible Spending Accounts.
• Group Term Life Insurance: According to a recent study, more than a third of households would feel the financial impact within a month if the primary wage earner died. At ProService, we work with TransAmerica to offer an employee’s beneficiaries a financial safety net in the event of an employee’s untimely passing. Group term life insurance is designed to cover a set period or term (e.g., until a debt is paid off or during primary wage-earning years to help replace lost income). Every employee who enrolls in a health insurance plan through ProService Hawaii is automatically eligible for a $10,000 group term life insurance benefit. Employees can purchase additional coverage at significantly discounted rates and be paid through payroll deductions.
• Student Loan Repayment Assistance Plans (SLRA).  Did you know that employee retention is 35% higher when employees are part of a student loan repayment program? Help your team repay their student loans faster with student loan assistance programs. We’ve partnered with Peanut Butter to help you contribute a dollar amount of your choosing each month toward your employee’s student loans. Help them pay off their loans quicker and build brand loyalty too. 
• Supplemental Insurance Policies. ProService works closely with Aflac to help your employees get extra protection for the unexpected. By offering supplemental insurance policies, employees can get help covering expenses that health insurance doesn't. You can offer your team accident insurance, short-term disability, hospital confinement and indemnity insurance, critical illness, and cancer/specified disease insurance. Accessibility to additional forms of insurance is essential if you want to stay ahead of the curve as an employer in Hawaii.

Whether your team is small or large, ProService can help! We are the only Hawaii PEO representing over 44,000 employees across the islands. Why does this matter? With our large group buying power, you get access to Hawaii employee benefits like comprehensive healthcare plans and diverse voluntary benefits that are more affordable than what you can find on the regular market. Plus, ProService is the only HR provider in Hawaii to offer large group HMSA health plans.

With ProService, you can be confident that you're getting the best Hawaii employee health benefits and benefit administration support at an unmatched value. 

• Buying power. With 2,500+ local employers in our o'hana, we leverage our size and negotiate the best rates for our partners.
• Strong relationships. Our partnerships with the largest health care and voluntary benefits providers give you access to a comprehensive range of affordable benefits without the administrative burden.
• Best practices. Our health care program has lower fixed costs and more stable rates over time.

Whether you have additional questions or want to get a quote, our business advisors look forward to starting a conversation with you and learning more about your business and your unique needs. You can book a free HR and benefits consultation online or give us a call today at (808) 564-5550. We look forward to speaking with you!