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Employee Healthcare Benefits in Seattle, WA

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 healthcare 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 of 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 for 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 of their time at the 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 to 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.


Individual & Family Health Insurance

We specialize in individual and family insurance needs. Whether you have lost your coverage or it is Open Enrollment, we’re here to help.

We endorse the health plans from Regence BlueShield and Kaiser Permanente because both carriers offer a variety of plans to meet different budgets and needs. Please note that Regence BlueShield offers a Preferred Provider Organization delivery model where you are free to see a specialist without a referral. Kaiser Permanente relies on a Health Maintenance Organization model that has members choose a Primary Care Physician to manage their care. 

Regence BlueShield Individual and Family coverage is available for residents of the Puget Sound area through 2017. However, they announced recently that they will not be offered in this area in 2018. 

If you wish to get a Regence quote, please click here.
For a Kaiser Permanente Individual and Family quote, please click here.

When it comes to dental coverage, Stillwater Benefits is proud to represent Delta Dental of Washington for their Individual & Family dental plans. To learn more about Delta Dental’s coverage and cost, please click here.


Short Term Medical

Don't worry if something major should happen to you as you wait for your new insurance plan to kick in. Stillwater Benefits partners with Portland, Oregon-based LifeMap insurance company to offer Short Term Medical coverage.

LifeMap Short Term Medical protects you and your pocketbook should you become ill or get hurt before your new health plan goes into effect.

Short Term Medical insurance covers medically necessary services and supplies required to treat each patient, so long as no exclusions apply. The plan provides major medical insurance for short periods of time, giving you protection when you need it. Whether you're a recent grad, are in between jobs, waiting for employer coverage or launching a new business, Short Term Medical will help keep you covered.

Unfortunately, pre-existing conditions are not covered with Short Term Medical, just illnesses or injuries sustained while covered under our plan.

To apply for coverage, click here.

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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.

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.


International Travel Medical Insurance

Stillwater Benefits partners with IMG to offer Coverage without Boundaries. We know that the reasons to travel abroad are many and varied - that's why IMG’s products are too. Their full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet these needs, they have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.

Please explore their list of international medical plans to determine which one is right for you. Click Quote/Purchase International Travel Medical Insurance to get your international coverage!


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 Cute Puppy

Healthy Paws Pet Insurance covers everything that matters including injuries, illnesses, genetic conditions, and emergency care. With unlimited lifetime benefits, protect your pet with the #1 customer-rated pet insurance plan! Get a free quote and let Healthy Paws pay your vet bills while you care for your pet.