Voluntary & Supplemental Benefits Idaho

Our approach

High-deductible health plans save everyone money on premiums. But when someone actually gets hurt, gets sick, or ends up in the hospital, the out-of-pocket costs hit hard. Voluntary benefits fill that gap by paying cash directly to the employee when a covered event happens, no matter what their medical plan covers.

We help Idaho employers add voluntary options to their existing programs at no employer cost. Employees pay through payroll deduction at group rates they can't get on their own. When something happens, the benefit pays cash they can use for deductibles, bills, mortgage, childcare, whatever they need. These are the benefits that turn a stressful health event into a manageable one.

coverage

Accident insurance

Pays cash for covered accidents: fractures, ER visits, stitches, dislocations, concussions. Especially popular with active families and physical workforces. A broken arm doesn't just cost a copay. It costs time off, childcare, gas to the doctor. This helps cover all of it.

Critical illness

Pays a lump sum ($5K to $50K) on diagnosis of a major illness: cancer, heart attack, stroke, organ failure. That money goes directly to the employee. No bills to submit, no approvals to wait for. Use it however you need to.

Hospital indemnity

Pays a flat amount per day or per admission when an employee is hospitalized. Covers the gap between what the health plan pays and what the employee owes. Pairs perfectly with high-deductible plans.

Cancer insurance

Standalone cancer coverage that pays benefits at each stage: diagnosis, treatment, radiation, chemotherapy, surgery, transportation, lodging. Cancer treatment is expensive and long. This coverage is designed for the financial marathon, not just the first bill.

Pet insurance

Voluntary pet health coverage through payroll deduction. Covers vet bills for illness, injury, and preventive care. It might sound like a perk, but for the large percentage of your team that considers their pet family, it's a real benefit.

Identity theft protection

Monitoring and resolution services that protect employees from fraud and data breaches. Low cost, high perceived value, and increasingly relevant as personal data becomes more vulnerable.

Review my liability limits

We figure out what resonates

Your workforce demographics, your plan design, and what employees have been asking for. We recommend the voluntary products that will actually get used.

We handle enrollment

We present the options at open enrollment, explain them in plain language, and manage the paperwork so your HR team doesn't carry the load.

We make sure claims get paid

When someone has an accident or gets a diagnosis, they call us. We help them file the claim and make sure the benefit is paid quickly.

No budget? No problem. These benefits cost you zero.

Voluntary benefits let you enhance your package without spending a dime. Employees get group rates and coverage they can't buy on their own. You get credit for offering it. It's one of the simplest wins in employee benefits.

Add voluntary benefits to my package

Common questions