Ancillary Benefits That Support Your Whole Team
Ancillary and voluntary benefits round out your group health insurance and 401(k) plan with coverage like dental, vision, disability, and accident insurance. They support your employees' mental, physical, and financial health, and they don't have to be cost-prohibitive for small and mid-sized businesses.
You're not building that package alone. With G&A, you get comprehensive ancillary benefits and insurance plans at competitive rates, expert guidance in plan creation, support for your employees, and streamlined benefits administration.
Here are the ancillary benefits G&A can help you offer:
- Dental insurance
- Vision insurance
- Flexible spending accounts (FSA)
- Employee assistance programs (EAP)
- LegalShield/ID Shield
- Accident & critical illness insurance
- Life insurance
- Disability insurance
- Telemedicine
- Pet insurance
- On-demand pay via ZayZoon
Plans That Help You Attract and Keep Top Talent
Dental and vision, accident and critical illness, and disability and life coverage give your team support for everyday care and for the unexpected. Each plan below shows who it protects and what it includes.
Dental & Vision Plans
Offer affordable dental and vision plans that fit the people on your team. G&A connects you with competitive plan options and takes on the administrative work, including enrollment and eligibility, so you and your employees have support at every step.
Preventive Care to Major Treatments
Dental insurance encourages preventive care and helps manage the cost of more advanced treatments. Through our partnership with Guardian Dental Insurance, G&A offers a broad range of plan options, including traditional PPOs, PPOs with adult orthodontics, and DHMOs. Guardian's PPO network, DentalGuard Preferred, is a comprehensive national network.
Here's what the plans include:
- Low monthly premiums for individuals and families
- Preventive care covered at 100%
- Most basic treatments covered at 80% (minimum)*
- Major treatments and procedures covered at 50% (minimum)*
*Does not apply to DHMO plan.
Exams, Lenses, and Frames
Vision insurance is a cost-effective addition to your package that supports employee wellness. Through Guardian/VSP, G&A offers plan options with low out-of-pocket costs and comprehensive coverage for exams, lenses, and frames. Here's what you can expect:
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Accident & Critical Illness Coverage
An unexpected injury or illness can bring out-of-pocket costs like deductibles and coinsurance, along with lost income. Accident and critical illness insurance helps cover those costs and replace that income, giving employees and their families financial security during a challenging time.
G&A tailors accident and critical illness plans from Unum Insurance to your company's specific needs, so you only pay for the coverage you need.
Voluntary Disability & Life Insurance
Offering voluntary disability and life insurance gives your employees and their families financial protection in the event of sudden injury, accident, disability, or death.
Income Protection for Illness or Injury
When injury or illness keeps an employee from working, voluntary disability insurance helps safeguard their income by covering a percentage of lost wages. Offered through Unum, G&A's voluntary disability plans are flexible and affordable, so your team can focus on recovery instead of finances.
Here are the plan highlights:
- Coverage is available to most employees for just a few dollars per month
- Covers 60% of an employee's income up to normal retirement age for short- and long-term disabilities
- Income protection that can be offered on a voluntary or employer-paid basis
Financial Protection for Employees' Families
Life insurance gives employees peace of mind that their families are financially protected. G&A offers affordable, flexible coverage that helps families cover final expenses, replace lost income, and plan for the future. Coverage can be voluntary or employer-paid.
Here's what the coverage includes:
- Lump-sum payment to beneficiaries up to $500,000
- Option to cover spouses and children
- Lifetime portability
- Includes accidental death and dismemberment coverage
- Employer-paid options include lump sum or salary-based coverage
How Austin Beerworks Saved Tens of Thousands With G&A
Austin Beerworks gained a reliable HR partner and a flexible, affordable healthcare plan that saved the company tens of thousands of dollars. G&A also streamlined critical HR tasks like onboarding and policy management, so the team could spend its time on employee engagement and product innovation.
Stand Out to Job Seekers and Current Employees
Benefits packages and salary rank as the top two considerations for job seekers. With comprehensive benefits that rival those offered by major corporations, you give your current team a reason to stay and future employees a reason to join.
Schedule a consultation today!
Complete the form below and learn how G&A can help your business.
More Ways G&A Can Help Your Team
Retirement Plans
Offer the security of a 401(k) plan, with G&A handling the administration so you can focus on your people.
Health Insurance Plans
Offer your employees Fortune 500-level group health insurance from leading carriers, with a G&A team helping you find a plan that fits your budget.
Employee Programs
Support employee well-being and help strengthen retention with wellness programs that show your team you care.
Frequently Asked Questions About Ancillary Benefits
What are ancillary benefits?
Ancillary and voluntary benefits round out your group health insurance and 401(k) plan. They include coverage like dental, vision, disability, and accident insurance, and they support employees' mental, physical, and financial health.
Which ancillary benefits can I offer through G&A?
G&A can help you offer dental insurance, vision insurance, flexible spending accounts (FSA), an employee assistance program (EAP), LegalShield/ID Shield, accident and critical illness insurance, life insurance, disability insurance, telemedicine, pet insurance, on-demand pay via ZayZoon, and more. A benefits specialist can walk you through our options.
Which carriers does G&A work with?
G&A offers dental plans through Guardian, vision plans through Guardian/VSP, and accident, critical illness, and voluntary disability plans through Unum. LegalShield is also part of G&A's ancillary benefits.
Can disability and life insurance be employer-paid?
Yes. Both voluntary disability and life insurance can be offered on a voluntary or employer-paid basis. Employer-paid life insurance options include lump-sum or salary-based coverage.
What do G&A's dental plans cover?
Preventive care is covered at 100%. Most basic treatments are covered at 80% (minimum) and major treatments and procedures at 50% (minimum). The minimums do not apply to the DHMO plan.
Are ancillary benefits affordable for small and mid-sized businesses?
They don't have to be cost-prohibitive. Through G&A, small and mid-sized businesses can access comprehensive ancillary benefits that are low or no-cost for your business and insurance plans at competitive rates.
What help does G&A provide with ancillary benefits?
G&A provides expert guidance in plan creation, support for your employees, and streamlined benefits administration. For dental and vision plans, that includes enrollment and eligibility.