Health & Wellness

Employee benefits

Premium Insure Life offers one of the most comprehensive benefits packages in the industry. From the very first day you join our team, you will know that your contributions are valued. All medical, dental, and retirement benefits are effective immediately upon hire, and nearly all other special programs and benefits are available to all eligible employees from the first day they join the Premium team.

Health & Wellness

Workplace flexibility

Compressed work weeks, flex time, job sharing, and telecommuting are all options at Premium, provided that the needs of the business can be met through these alternative work arrangements.

Medical insurance

Premium provides competitive medical coverage. Each medical plan includes coverage for a spouse or domestic partner and/or dependent children. Our medical plans include comprehensive medical coverage, a prescription drug plan, and employer contributions into most employees’ HSA accounts.

Utilizing our carrier’s Preferred Provider network, employees have access to providers and facilities nationwide. All preventive screenings received by network providers are 100% covered.

Dental insurance

You may choose from three comprehensive dental plans. Each dental plan includes coverage for a spouse or domestic partner and/or dependent children. All of our dental plans cover preventive and basic restorative services. You may also choose a plan which includes coverage for major restorative and orthodontic services. And you have the flexibility to choose any dental provider, or use the Preferred Dentist Program provider to lower your out-of-pocket costs.

Vision insurance

Our vision plan gives you access to a national network of optometrists, ophthalmologists, and opticians for your eye care needs. Your vision benefit provides savings up to 40% on your eyewear needs.

Post-employment health care savings account

The PHSA is allows you to save for post-employment health care expenses via current payroll deductions. Any earnings realized in your account are tax-free. After your employment terminates, the money in your account is not taxed when you or a dependent request reimbursement for an eligible health care expense.

Disability and life plans

In addition to employer-paid short- and long-term disability insurance, you also have options of life insurance and optional accidental death and dismemberment insurance for yourself, spouse, domestic partner, and/or children.