[ Contact Us ]

Total Benefits Solution

Bringing unmatched value to our customers

The purpose of providing employee benefit programs is to attract and retain the type of employees that make a business successful. The average company spends more than $3,500 to advertise for, interview, hire and train one employee. It costs more than $1,800 when an employee terminates his or her employment.

Providing a competitive benefit program is an integral part in retaining a competent work force.

We want to help you succeed in business with a solution for all your benefits needs. H.L.S. Total Benefit Solution takes a big picture view of your benefits program, to help you align employees' security needs with your organization goals.

One-stop shopping

H.L.S. offers the convenience of one-stop shopping for all your benefit needs:

Health Security

• HMO, POS, PPO and Indemnity Health Plans
• Dental Care
• Vision Care
• Pharmacy Programs
• Long - Term Care Coverage
• Flexible Benefits Accounts (Section 125)

• 401 (k) Savings Plans
• Rollover IRA
• Group Term Life
• Short and Long Term Disability
• Optional or Voluntary Group Life and Disability

Providing affordable, high-quality healthcare

Recognizing the specialized managed care needs of today's employers, H.L.S. can customize programs that best meet your company's needs. We offer HMO, Point-of-service (POS), Preferred Provider(PPO), and Indemnity Plans, as well as specialty programs.

Funding Your Benefit Programs

Health insurance premiums consist of administration fees, claims, and reserves. The three most popular methods to fund your health insurance programs are:

• Traditional Funding
• Preferred Funding
• Self-Funding

• What is an HMO?
• What is an Enhanced Access HMO?
• What is a POS (Point of Service) program?
• What is a PPO (Preferred Provider) program?