Las Cruces

Health insurance is a cornerstone of any employee benefits package, especially in today’s rapidly evolving health care landscape. Our customizable group health plans are designed with the goal of helping your employees access quality health care, whether that’s through a PPO, HMO, HSA or another plan option.

And, with supplementary health coverages like critical illness, cancer and gap health insurance available, you can give your employees the flexibility to choose the health care coverage that best suits their needs and the needs of their families.

Disability insurance is an essential aspect of helping to protect your employees’ financial stability in the event of an unexpected illness or injury. Our offerings include short-term disability, long-term disability and long-term care policies, with voluntary and group insurance structures available. While your benefits broker will explain these options in detail, here’s a brief overview of these offerings:

• Short-term disability (STD) insurance provides financial support to employees who are unable to work due to a temporary disability like illness, injury or childbirth.
• Long-term disability (LTD) insurance extends this coverage, offering financial support for more extended periods of incapacity.
• Long-term care insurance assists with the cost of care and living expenses if a policyholder suffers a severe cognitive impairment (such as dementia or brain injury-related impairments) for more than 90 days or becomes unable to perform two of the six Activities of Daily Living (ADLs).

A well-structured retirement plan is not only beneficial for your employees’ future, but it can also serve as a valuable tool for attracting and retaining top talent. Our team can help you add this important benefit to your total compensation package in a way that suits various employee needs and preferences.

With retirement plan options that include 401(k) plans, defined benefit plans, fixed annuities, 403(b) plans, deferred compensation plans and more, you can provide your employees with a way to invest in their future while fostering a culture of long-term thinking and financial security.

Vision and dental insurance are often overlooked in benefits packages, but these offerings can help address aspects of employee health and wellness that are frequently neglected due to the prohibitive costs associated with vision and dental care. Both of these policies can be offered on a voluntary or group basis, giving employees flexibility and access to a range of vision and dental services, depending on the specific policy selected, to help them better maintain their overall health.

Life insurance is a vital component of any employee benefits package, helping to offer peace of mind to your employees and their families. Life insurance helps ensure that, in the event of an untimely death, employees’ families are provided for financially.

Our life insurance solutions in Las Cruces include voluntary or group life insurance coverage, giving you, the employer, the flexibility to tailor your benefit offerings to your employee demographics, needs and preferences.

Higginbotham’s Day Two Services® for employee benefits are designed to take the complexity out of managing your benefits package. Our benefits support team can help lighten your HR team’s workload through a suite of services, including:

Compliance and COBRA Administration

Our team can help you navigate the complexities of health care laws, COBRA and other applicable federal, state and local regulations, working to help keep your business compliant.

Employee Response Center

Our in-house call center provides your employees with direct access to our benefits specialists, reducing the burden of your human resources team. Employees can call or email Higginbotham’s Employee Response Center to ask questions or receive assistance on topics ranging from open enrollment to health insurance claims.

Benefits Communications

Effective communication is key to helping your employees understand and appreciate the value of their benefits package. Our benefits communications team can create customized strategies and collateral that provide information on benefits options, open enrollment, employee wellness programs, total compensation packages and more.

Employee Wellness Programs

Effectively promoting health and wellness within your organization can lead to reduced health care costs and improved employee productivity, morale and retention. Our population health management team can design and implement customized wellness programs that are tailored to your workforce, helping to encourage healthy lifestyle choices and employee wellness.

Benefits Administration

Managing the day-to-day aspects of your benefits programs can be challenging. Our benefits administration services can help manage open enrollment, FSA and HRA administration, plan changes and other benefits administration tasks, allowing you and your HR team to put a greater focus on your most important asset: your people.