Building a Stronger Benefits Package: A Closer Look at Ancillary Coverage in Texas
In today’s workplaces, a meaningful benefits package does more than meet the basics. It reflects how much you value the people who show up for your business each day. Ancillary benefits, often called voluntary benefits, give your team additional ways to protect themselves and their families when life takes an unexpected turn. At Rollo Insurance, we help Texas businesses make sense of these options so you can offer real value without overextending your budget.
What Ancillary Benefits Offer Your Team
Ancillary benefits are extra insurance plans that employees can choose based on their personal needs. These plans are usually paid for through payroll deductions and are designed to supplement core health coverage. Instead of a one-size-fits-all solution, they give employees the ability to customize their protection. Some may need additional coverage for their family, while others might want financial support in the case of an accident or illness. These benefits offer that kind of flexibility.
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Why do you Need Ancillary Benefits Insurance?
For Employers:
- Add Value Without Raising Costs: You can offer more comprehensive benefits while keeping business expenses in check.
- Support a Range of Needs: Giving employees choices shows that you recognize their different life situations.
- Ease the Pressure of High-Deductible Plans: Ancillary options help bridge financial gaps in coverage.
- Simple Setup: Most providers handle the administration, making them easy to implement and manage.
For Employees:
- Extra Protection Where It Counts: These plans fill in where core health insurance may fall short.
- Help with Daily Expenses: Many benefits pay out cash directly, which can be used for anything from medical bills to groceries.
- Affordable Group Rates: Employees often get better pricing than they would if purchasing plans individually.
- Personal Choice: With options available, employees can pick what makes the most sense for their family and finances.
Types of Ancillary Benefits
- Dental and Vision Insurance: Covers everything from cleanings and glasses to more advanced care.
- Supplemental Life Insurance: Lets employees increase their coverage or add family members, often without a medical exam.
- Disability Insurance: Replaces part of an employee’s income if they are unable to work due to illness or injury.
- Accident Insurance: Pays a lump sum after an injury to help with medical or everyday costs.
- Cancer and Critical Illness Coverage: Provides financial support after a major diagnosis to ease the burden during recovery.
- Accidental Death and Dismemberment Insurance: Offers support for families after a serious loss due to an accident.
- Hospital Indemnity Insurance: Pays a daily benefit when an employee is hospitalized.
- Additional Voluntary Options: Some plans also include legal services, identity protection, or even pet insurance.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
A Thoughtful Way to Support Your Team
Offering ancillary benefits is a simple yet powerful way to help your team feel supported. These plans give employees more control and provide peace of mind for life’s uncertain moments. For business owners, they add meaningful value to your benefits program while keeping things manageable. If you are exploring ways to strengthen your benefits offering, we’re here to help you think through the options and find the right mix for your people.
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