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Employee Benefits

As your Human Resource partner, Stillwater Benefits takes the time to understand your requirements and strategic objectives. We understand that cost is important but provider network issues and access to health care can be of equal importance. Once we know your goals, we’re able to shop the market and recommend solutions – not just for the short-term but with an eye toward the future.

It doesn’t stop there though. Stillwater Benefits prides itself on employee communications and ongoing administration and benefit advocacy to maximize your employee benefit investment.


Group Medical Coverage

We work with all types of group plans. From traditional Preferred Provider Option (PPO) to qualified high deductible health plans. We have extensive experience with Health Savings Account (HSA) plans and Health Reimbursement Arrangements (HRAs) as well. Knowledgeable employees are more satisfied – we get it.  Thus, we devote considerable time and effort to educate employees about how best to use their benefits.  

Stillwater Benefits is appointed with all the major insurance carriers serving Washington state. This gives us two advantages. First, we can better recommend a health plan that meets your need for quality health care access. Second, we can find you the most affordable solution for your health care needs saving you money. This means better value to you.

We’re also expert when it comes to Association Health Plans (AHPs) such as the Association of Washington Business’s HealthChoice program or Life Science Washington’s Omnitrade benefit program. These “trust or industry sponsored health plans” can save you considerably on premium. Often over 15% in premium cost.

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Group Dental and Vision Coverage

Did you know that dental coverage is the second most popular employee benefit behind medical? It’s true. And oral hygiene is directly linked to overall health. Fortunately for you there are a variety of plans to choose from including plans that reward you for using preventive services. If you have 2 or more employees, there is a dental plan there that best matches your budget and needs. We’ve got you covered.

In terms of overall well-being, good vision is critical especially for today’s workforce that spends most time at their computer. Even if you get just one vision exam a year, the policy pays for itself. Vision coverage is inexpensive and a great addition to your other benefit coverages.


Group Life and Disability

What would you do if you couldn’t work? No paycheck. With bills to pay including mortgage, rent or ongoing household expenses, what would you do without an ongoing stream of income. The solution is Short Term Disability and Long Term Disability. If you have made it this far in life, the chances of being disabled and unable to work for a period are much greater than dying. It’s true and yet many American’s are ill prepared for disabling injuries or illnesses. Imagine having a stroke and unable to work. What would you do? That’s where Disability insurance comes into play and provides income replacement typically at 60% of pre-disability earnings all the way until retirement age.

Group term Life and Accidental Death and Dismemberment (AD&D) insurance is essential for breadwinners that need assist those left behinds with major expenses such as a home mortgage or sending kids to college. It’s cheap too. A basic $50,000 term life policy can cost around 2 latte’s a month.

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Voluntary Benefits

Did you know that many employers have 4 generations of employees working for them? From millennials to baby boomers, the insurance needs of employees differ wildly as well as their budgets. To that end, Voluntary Benefits have grown exponentially with employees choosing to self-pay for critical illness, cancer coverage, accident insurance, supplemental life insurance and more. At a time when many employers are moving to high deductible health plans (HSAs), offering your employees Voluntary Benefits provides them a bridge to cover their out-of-pocket expense. Voluntary Benefits give employees peace of mind without impacting the employer’s wallet. It’s a win-win and Stillwater Benefits can show you how.


Global Health Insurance

Your company is expanding overseas. Is your international health insurance plan ready?

More and more companies just like yours are sending employees abroad to set up offices or manufacturing facilities or to scope out new international markets.

Your employees on foreign assignments are key people in your organization who have been charged with the task of facilitating your company’s growth. If one of them should fall ill or have an accident while away, it could not only affect your employee’s well-being, but also have a negative impact on the assignment and the company.

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Given what’s at stake, it’s natural that you want to ensure their health and safety with sufficient coverage. However, domestic medical benefits are not designed to meet unique global challenges.

An international group health insurance plan should be custom-built to cover employees in the event of a healthcare emergency no matter where they may work or travel.

Specialists in global health insurance plans, Total Benefit Solutions (TBS) offers comprehensive health plans to protect groups of international assignees at every level.

Meet our Global Health Solutions Provider: Total Benefit Solutions

We’ve partnered with the expert in the field of Global Health Insurance to identify your unique needs, and ensure you have the right products to protect your people.

The benefits of Global Health Insurance include:

  • Affordable, robust global plans providing overseas coverage for groups as small as 2 employees
  • Plans covering employees working in the US for a foreign-owned company
  • Short-term business travel plans for employees who routinely travel outside their home country
  • Coverage for individuals and dependents who live or routinely travel out of their home country
  • 24/7 multilingual emergency assistance with a single call
  • Global network of medical facilities that are “Centers of Excellence”
  • Emergency medical evacuation from anywhere in the world
  • Concierge-level member service

To learn more or request a free quote please contact us at info@stillwaterbenefits.com or call us at 206-660-5200.


Pet Insurance

Hey, they’re part of the family too! And yes, we’ve seen the emergence of Pet Insurance in America to cover the cost of care for our 4-legged creatures. To protect your dog and cats, we are proud to have partnered with Bellevue, WA based pet insurer Healthy Paws Pet Insurance. What this means to you is a discount of up to 15% on pet insurance expense by offering it to your employees. For anyone that has paid out of pocket the expense of an animal hospital stay or day surgery for Rover you appreciate the fact that health care cost for these family members approaches that of humans. It can be expensive and Pet Insurance from Health Paws alleviates that.


Individual & Family Health Insurance

We specialize in Individual & Family insurance needs. Whether you have lost your coverage or it is Open Enrollment and time to shop, we’re here to help. Our focus is on commercial insurance outside the Washington State Health Exchange (i.e., www.wahealthplanfinder.com). We endorse the health plans from Regence BlueShield because they offer a variety of plans to meet different budgets and needs that feature their huge network of Preferred Providers. If you’re new to the area, in between jobs, or aged out of your parents plan because you turned 26 we’re here to help.

For more information, contact the Stillwater Benefits team.