Employee Benefits
Healthy employees, healthy operations. Keep your team feeling good with strong medical and benefit plans in reach.
Employee Benefits for All
Manna Insurance provides quality options that allow employers and employees to choose what best fits them.
We care about your people, and will take the work of securing employee benefits off of your plate so you can focus on running your business.
We will get you set up with a customized employee benefits package that works well for you and your people, which can include health, dental, vision, disability, voluntary benefits, and more.
So what coverage do I need?
Tailored Benefits for a More Attractive & Caring Workplace
Health Insurance
Health insurance is a fundamental part of employee benefits. It covers medical expenses, including doctor visits, hospital stays, prescription drugs, and preventive care. Offering various health plan options allows employees to choose what suits them best.
Dental Insurance
Dental coverage helps employees maintain their oral health by covering routine check-ups, cleanings, and procedures such as fillings or root canals.
Vision Insurance
Vision insurance covers eye exams, glasses, contact lenses, and even corrective surgeries like LASIK. Good vision is crucial for many job tasks, so this benefit can be highly appreciated.
Life Insurance
Life insurance provides financial support to an employee's beneficiaries in case of their death. It's a vital safety net, especially for employees with dependents.
Wellness Programs
Wellness programs promote employee health and well-being through activities like gym memberships, smoking cessation programs, or wellness challenges. They can lead to healthier, more productive employees.
Disability Insurance
Disability insurance ensures that employees continue to receive a portion of their income if they become unable to work due to an injury or illness. Short-term disability covers temporary conditions, while long-term disability covers more extended periods of incapacity.
Flexible Spending Accounts (FSAs) & Health Savings Accounts (HSAs)
These accounts allow employees to set aside pre-tax money for medical expenses (FSA) or save for healthcare costs (HSA). They provide tax advantages and flexibility for healthcare expenses.
Employee Assistance Programs (EAPs)
EAPs offer employees access to resources and counseling for personal or work-related challenges, such as mental health support, financial counseling, or legal advice.
Supplemental Insurance
Supplemental insurance options, like accident or critical illness insurance, provide additional coverage for unexpected medical costs. They can be particularly useful for employees with high deductibles.
Now Offering Voluntary Benefits
Go beyond the basics and provide additional coverage options to your employees with voluntary benefits through Aflac.
Ways to Save on Employee Benefits
Our insurance brokers can quote on your business and market it with the right insurance carrier that will provide a custom plan for your company. This means you won’t be paying for coverage that is not relevant to your industry.
Work with a broker
With an annual review of your policy, you will have peace of mind knowing you are getting competitive rates to match your coverage year, after year.
Yearly Review
Implement and promote wellness programs to encourage employee health and reduce healthcare costs over time, such as preventive care, fitness incentives, and stress management initiatives, which can lead to lower claims and premiums.
Wellness Programs
Frequent Questions About Employee Benefits Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about employee benefits insurance coverage.
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Common health insurance options include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), High Deductible Health Plan (HDHP), and Health Savings Account (HSA) plans. Employees often have a choice among these plans.
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Employer contributions to health insurance premiums can vary widely. Some employers cover the full premium, while others contribute a portion of it. The amount may depend on factors like the company's size, budget, and industry norms.
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Some employers offer flexibility in benefits packages, allowing employees to choose from various options to tailor their benefits to their needs. This approach is common in cafeteria-style or flexible benefits plans.
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Yes, PTO is often part of an employee benefits package. It may include vacation days, sick leave, holidays, and personal days, providing employees with paid time off from work.
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Tax treatment of employee benefits varies. Some benefits, like health insurance premiums, are often tax-deductible for employers, while others, like employee contributions to a 401(k), are tax-deferred until withdrawal.
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The fate of employee benefits upon departure can vary. Some benefits, like retirement contributions, may be portable, while others, like group life insurance, may end with employment. Employers often provide information on benefits continuation or conversion options.
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Yes, employee benefits packages can change over time due to factors such as company policies, economic conditions, and regulatory changes. Employers typically communicate benefit changes to employees in advance.
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Yes, many small businesses offer employee benefits, although the scope and type of benefits may differ from larger companies. Small businesses may use benefits packages to attract and retain talent.
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Part-time employees may be eligible for some benefits, depending on their hours worked and company policies. Health insurance eligibility, for example, may vary based on the number of hours worked.
More Coverage Options
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Voluntary Benefits (Aflac)
Provide additional coverage options to your employees and enhance your overall compensation package.
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Life Insurance
Secure your legacy with comprehensive life insurance solutions for you and your family.
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Business Insurance
Safeguard your business with tailored insurance solutions to keep your operations running smoothly.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.