Skip to Main Content Back to Top Let's Talk
Home Locations Cypress


25282 Northwest Frwy, Suite 170, Cypress, TX 77429


Employee Benefits and Insurance in Cypress, TX

Our team in Cypress caters to the health insurance and employee benefits needs of businesses and individuals in our community. Freeman Benefits, later known as BenefitU, has been serving the Southwest Texas area since 1997. In 2022, BenefitU joined the Higginbotham family, gaining access to a national network of resources to help enrich the client experience. Even with our new name, our mission is the same: Simplify the insurance process for our clients to help offer comprehensive, compliant and cost-effective benefits solutions.

Higginbotham is built on a foundation of corporate responsibility, reflecting the values we share with our clients. Our commitment extends beyond business transactions to making meaningful contributions to our communities. We actively participate in giving back through financial donations and volunteering, helping to ensure that our presence in Northwest Houston has a positive and lasting impact.

Employee Benefits for Businesses

When choosing which company to work for, potential employees often consider employee benefits just as much as their base salary. How much health insurance will they receive? Will they be able to afford their family’s dental and vision needs? Will the company invest in their future and the futures of their loved ones with retirement plans? These are all questions that prospective hires may have about an organization’s employee benefits package, which raises the question: Are you utilizing your employee benefits as a tool to attract and retain key employees?

At Higginbotham, we understand that you care about your employees and want to keep them around as long as possible. We also appreciate the growing costs associated with employee benefits. That’s why we work with you to create competitive yet cost-conscious employee benefits solutions.

Collapse All Expand All

Group Health Insurance

In today’s competitive landscape, securing top talent is paramount for any organization. Recognizing this, Higginbotham offers health insurance solutions that can stand as a cornerstone of your benefits package, helping your team to attract and retain your industry’s best and brightest.

Our suite of group health insurance options is designed to meet the diverse needs of Texas businesses and their employees, and includes plans like:

  • Preferred Provider Organization (PPO) Plans: PPOs can offer a balance of flexibility and cost-effectiveness. Employees can benefit from a wide array of in-network health care providers, helping them receive the quality care they need.
  • Health Maintenance Organization (HMO) Plans: HMO plans emphasize in-network care, fostering strong patient-provider relationships while optimizing costs. This option allows employees to select a primary care provider that serves as their portal of care for referrals to specialists.
  • Point of Service (POS) Plans: Marrying the structure of HMOs with the flexibility of PPOs, POS plans can allow employees to choose their primary care physician within the network, with greater freedom to seek services outside the network when necessary.
  • Health Savings Account (HSA) Plans: HSAs can provide a tax-advantaged way for employees to save for medical expenses, promoting a more proactive approach to healthcare. Contributions are made pre-tax and funds generally roll over from year to year.
  • Gap Health Insurance: Gap insurance policies are designed to bridge the gap left by major medical or comprehensive health plans by covering out-of-pocket expenses such as coinsurance, co-pays and deductibles for inpatient and outpatient services.
  • Limited Medical Plans (Mini-Med Plans): As a cost-effective alternative to major medical insurance, these plans feature capped benefits, offering coverage up to a specific limit. This approach can allow for lower premiums and minimal rate increases.

At Higginbotham, our employee benefits specialists share your goal: to secure an affordable group health insurance plan that not only meets the financial criteria of your business but also supports the health and wellness of your valued team members. As a national insurance brokerage with deep local roots, we are committed to delivering exceptional group health insurance benefits to businesses throughout Houston, TX, and the surrounding regions.

Why offer health benefits to your employees?

Offering health insurance to your team can play a key role in creating an attractive workplace that can draw and retain top talent. Health insurance is a core component of employee benefits and can signal an employer’s investment in the health and well-being of their workforce. This commitment has the potential to significantly enhance employee satisfaction, engagement, morale and productivity, along with recruitment efforts.

Dental and Vision Insurance

Our benefits specialists know that health encompasses more than physical wellbeing; it also includes maintaining your teeth and vision. Our team can help your organization determine which group dental and vision policies you need to make your employees’ health coverage complete. This might include:

  • Dental Maintenance Organization (DMO): Under a DMO plan, you’ll select a primary care dentist and stick to your plan’s network for all dental services, ensuring streamlined care and optimal cost management.
  • Preferred Provider Organization (PPO) or Participating Dental Network (PDN): These plans offer the flexibility to choose within or outside your network of dentists, similar to our health insurance options. Opting for in-network dentists can translate to lower out-of-pocket costs, but out-of-network dentists can also be used for dental care.
  • Dental Indemnity: For those valuing flexibility above all, dental indemnity plans allow you to visit a dentist without a referral. Generally, these plans do not require copays, but coverage is up to a specified limit.
  • Vision Care Insurance: As vision problems are a common disability in the United States, most employees would likely benefit from having eye care insurance as part of their core benefit package. Most group vision insurance plans cover items like prescription glasses, contact lenses and general eye exams.

The health of your team is a priority, and that should extend to every aspect of their wellbeing, including vision and dental care. Our vision and dental insurance options are designed to provide your employees with the support needed to maintain optimal health.

Short-Term and Long-Term Disability Insurance

The impact of a disability on an individual and their loved ones can be profound, bringing with it significant emotional and financial strain. It’s a common oversight to underestimate the likelihood of experiencing a disability or to misjudge the extent of coverage provided by workers’ compensation insurance, which may fall short of providing adequate support. This makes short-term and long-term disability insurance essential for helping to safeguard your employees during their most challenging times. That’s why Higginbotham’s approach involves a detailed analysis of your organization’s needs and financial capabilities to recommend disability insurance solutions that align with your employees’ welfare.

Short-term disability insurance is designed to help employees who are unable to work due to illness, childbirth or injury. Generally, short-term disability payments only cover a portion of the income an employee would make while working, but they can help employees to cover their living expenses while out of work for a total duration ranging between 90 and 180 days.

Long-term disability insurance is critical for covering conditions that cause prolonged work absences, such as musculoskeletal disorders, back issues and serious illnesses like cancer. These policies are designed to provide financial stability over extended periods, reflecting our commitment to your employees’ health and financial security.

Retirement Plans

As an employer, offering retirement plans can be a valuable tool in attracting the best possible team members, but navigating the many options and potential compliance issues can be difficult. Our benefit specialists can help your organization implement cost-effective 401(k) and retirement plans designed to help you stand out from the crowd.

A 401(k) plan is more than a recruitment incentive; it’s an essential tool for your employees’ financial wellness, allowing them to allocate a portion of their salary to a retirement fund on a pre-tax basis. This arrangement can not only defer taxes until funds are withdrawn in retirement, but can also enable your employees to grow their savings more effectively over time. As an employer, you have the option to match their contributions up to a certain percentage, further enhancing the attractiveness of your benefits package and incentivizing prospective and current employees to build their careers with your organization. And, with a variety of investment options, such as stocks, bonds and mutual funds, your employees can tailor their retirement planning strategy according to their risk tolerance and goals.

Section 125 Plans

The Internal Revenue Code offers many avenues for both employers and employees to reduce their annual tax liabilities. On such option is a Section 125 Plan, commonly referred to as a Cafeteria Plan. Employees can withhold contributions to their Section 125 plan on a pretax basis, which can reduce their taxable income (and, consequently, the amount they pay in taxes). For employers, offering a Cafeteria Plan benefit could reduce the amount paid in Federal Insurance Contribution Act (FICA) and unemployment taxes. Cafeteria benefits may include options like Premium Only Plans (POPs)Flexible Savings Accounts (FSAs), Health Reimbursement Arrangements (HRAs) and Transportation Reimbursement Programs.

Voluntary Benefits

Choosing the right voluntary benefits offerings can help enhance your recruiting efforts, increase employee retention and promote workplace productivity. Higginbotham’s employee benefits team in Cypress takes the time to understand your organization’s needs, wants and budget, helping us to offer recommendations for voluntary benefits programs that help promote the personal health and financial wellbeing of your employees.

Employer-Sponsored Life Insurance

As an employer, life insurance is the cornerstone of your employees’ financial security. That’s why Higginbotham offers a range of life insurance plans tailored to meet your team’s unique needs, helping to protect them and their loved ones from life’s uncertainties. Our life insurance policy offerings include, but aren’t limited to:

  • Term Life Insurance: Term life is one of the most straightforward types of life insurance available, offering protection for a predetermined period. Should you pass away within the policy’s term, your beneficiary will receive a death benefit. After the term ends, coverage can be renewed, though potentially at a different rate.
  • Whole Life Insurance: Offering lifelong coverage, whole life insurance can eliminate the need for renewal. It can provide greater peace of mind through a fixed premium, albeit often at a higher cost than term life insurance.
  • Universal Life Insurance: Similar to whole life, universal life insurance covers you for life, but with the added benefit of adjustable premiums and death benefits, allowing for greater flexibility.
  • Variable Universal Life (VUL) Insurance: Variable life policies combine the flexibility of universal life insurance with investment opportunities, aiming to increase the value of your benefits over time.
  • Accidental Death & Dismemberment (AD&D) Insurance: This supplemental coverage can provide an employee’s loved ones with financial support in the event of a fatal accident or qualifying dismemberment. It can be a cost-effective solution that offers additional peace of mind, helping to alleviate financial stress for your family in times of unexpected tragedy.

Employee Benefits Services

Our success is rooted in our ability to continuously adapt and innovate, crafting strategies that align with the ever-evolving needs of our clients. Along with this comes employee benefit services that go beyond initial program selection and implementation to include services such as:

  • Review and Analysis: Benchmark studies; cost projections; risk management evaluation; contribution and funding strategy; program utilization analysis and determinations
  • Benefits Selection: Request for Proposal (RFP) preparation, submission and evaluation; plan contract/document review; contract and agreement negotiations; benefit program selection assistance
  • Program Implementation: Employee communications and collateral; benefit program training; open enrollment support; year-round enrollment for new employees and QLEs
  • Ongoing Support: In-house Employee Response Center (ERC) for plan participants; worksite wellness and population health management; compliance consulting; HIPAA and COBRA administration; document preparation, including Form 5500 assistance; benefit administration
Higginbotham H logo

Personal Insurance

While Higginbotham’s Cypress team specializes in crafting employee benefits solutions for businesses, our expertise doesn’t end there. We recognize the diverse needs of individuals within our community and offer a suite of personal coverage options that are designed with the same care and attention to detail as our corporate offerings. These include:

Father And Child Running On Beach

Individual Life Insurance

In addition to serving businesses and their employees, Higginbotham extends our life insurance expertise to individuals seeking to secure their and their families’ futures. Our individual life insurance solutions are designed with the same commitment to personalized service and comprehensive coverage found in our employer-sponsored policies. Whether you’re looking for term, whole, universal or another form of life insurance, our team can offer support to help you choose the right policy for you and your loved ones.


Home and Auto Insurance

We know that your home is your sanctuary and your vehicle is vital for your daily activities, which is why we offer tailored policies that can provide protection for both. Our team works with you to assess your specific needs, helping to secure home and auto coverage that can bring you confidence on the road and peace of mind at home.

Young businesswoman walking with luggage at the airport

Travel Accident Insurance

Travel accident insurance is designed to offer supplementary protection in the event of accidental death or dismemberment during international travel. International travel insurance can be purchased for various modes of travel, including air and bus, and can be tailored to provide 24-hour protection. Additionally, it can help address risks due to war, terrorism and the threats posed by nuclear, chemical and biological weapons.

The Higginbotham Difference

At Higginbotham in Cypress, our commitment to your business and your team extends far beyond the initial setup of your benefits program. We pride ourselves on our year-round Day Two Services® that are designed to help lighten your workload without requiring additional third party administrators. This ongoing partnership reflects our culture of ownership, where each member of our team takes personal responsibility for the success of your benefits strategy.

By aligning our services with your business’s unique needs and goals, we foster a collaborative environment that’s designed to not only address immediate concerns but also anticipate future challenges. Welcome to Higginbotham in Cypress, where your company’s well-being is our top priority, and where we work tirelessly to help cultivate a healthier, more secure future for you and your employees.

Let’s Talk Request a Quote

0/5 (0 Reviews)


25282 Northwest Frwy, Suite 170, Cypress, TX 77429