Large Business Health Plans with 51+ Employees

HMAA offers the following health insurance plan options to Large Businesses. The Hawaii Insurance Commissioner has confirmed the State of Hawaii definitions are as follows and will remain as such in 2016:

  • Large Group: 51 or more FTEs

Group size is determined as follows:

  • Under the Affordable Care Act (ACA), an FTE is one who worked at least 30 hours per week during the preceding calendar year, and part-time employees are included in the calculation. Example: 3 employees each working 20 hours per week = 2 FTEs.
  • Companies with a common owner or are otherwise related are generally combined and treated as a single group, and employees are combined for purposes of determining group size.
Medical Plans for Large Businesses (without Drug and Pediatric Benefits)
  • Option Plus One (OP1) – HMAA’s most popular medical plan. This Plan helps attract and retain employees with benefits including low out of pocket maximums, Chiropractic Care, Acupuncture, Naturopathic Care, Wellness and Preventive Care, and Employee Assistance Programs.
  • Option Plus Two (OP2) – HMAA’s most comparable plan to Hawaii’s largest Preferred Provider Plan (PPP), with added benefits that include Chiropractic Care, Acupuncture, Naturopathic Care, Wellness and Preventive Care, and Employee Assistance Programs.
  • Comprehensive Plus – A lower-cost alternative to our OP1 and OP2 medical plans. This plan offers fixed copayments for office visits and minimal copayments for preventive benefits. In addition, Comprehensive Plus includes Chiropractic Care, Acupuncture, Wellness and Preventive Care, and Employee Assistance Programs.
  • Comprehensive Basic – HMAA’s lowest-priced plan which, like Comprehensive Plus, offers fixed copayments for office visits as well as Wellness and Preventive Care and Employee Assistance Programs. This plan is perfect for the business owner seeking affordable health insurance premiums without sacrificing quality.
Life Insurance and AD&D
Dental Plans
  • Dental Plan Options – HMAA has a variety of quality dental plans to fit your employees’ needs. Our extensive dental network includes more than 600 dentists throughout Hawaii.
  • Orthodontia Rider – This may be purchased with HMAA’s Dental Plans A, B, E or F.
Prescription Plans
  • Prescription Plan Options – HMAA offers high-quality prescription plans that combine competitive pricing and a wide network of pharmacies. HMAA’s prescription plans are structured to encourage generic drug utilization without sacrificing quality outcomes.
  • Prescription Plan Information – View details on co-payments, the formulary drug list, home delivery services, and online prescription plan management.
Vision Plans
  • Vision Plan Options – HMAA offers high-quality vision plans that combine competitive pricing and a wide network of vision service providers.