Employee Benefits

Our employees are offered a choice of comprehensive and flexible benefit packages that support them during their career with HMSA and into retirement.

Medical Coverage

HMSA employees choose from three comprehensive benefit plans:

Preferred Provider Plan
Members see any provider they choose. Higher benefit levels are paid when members see participating providers. The plan covers up to 90 percent of the eligible charge for most services.
CompMED
Members see any provider they choose. The plan pays up to 80 percent of the eligible charge for most services.
Health Plan Hawaii Plus
This HMO plan covers 100 percent of the charge for hospitalization, prenatal and postpartum care, standard childhood immunizations, routine physicals, laboratory fees, and X-rays within its provider network. Other covered services require a set copayment.

Dental Coverage

HMSA employees choose from HMSA’s Preferred Dental, a free-choice dental plan, or the HMSA Dental Network, an HMO dental plan.

Drug and Vision Coverage

HMSA employees receive drug coverage for generic and brand name drugs. A mail-order drug program for purchasing maintenance drugs is also a benefit.

Vision care benefits include an eye exam and coverage for eyeglass lenses or contact lenses annually, and coverage for frames every 24 months.

Holidays

HMSA employees get nine paid holidays each year.

Personal Days

Employees earn five paid personal days in their first year, increasing to 28 personal days after nine years of employment.

Group Life Insurance

After three months of employment, HMSA pays the entire premium for group life insurance coverage of 2.5 times the employee’s annual salary, plus $10,000 coverage for their spouse and $2,000 for each child. The plan includes accidental death and dismemberment coverage equal to 2.5 times the annual salary.

Temporary Disability Insurance (TDI)

TDI benefits cover employees’ pay for time off due to a non-work related illness or injury. TDI begins two full, consecutive calendar days after the illness or injury. Employees receive 20 TDI days per calendar year.

Long-Term Disability Insurance

After one year of employment, HMSA employees are eligible to receive 60 percent of their salary if they are ill or injured for more than 90 days. Payments may continue for the duration of the illness or injury, up to age 65.

Employee Assistance Program

In addition to regular health plan benefits for mental health and substance abuse, HMSA employees can use six visits per year for professional assessment and counseling at Hawaii Employee Assistance Services at no cost.

401(k) Plans and Pension Plans

After six months of employment, HMSA employees are eligible to participate in our 401(k) plan that includes company matches to employee contributions. Employees are also eligible for a company-paid pension plan, after one year of service and when they are at least 21 years old.

Flexible Spending Plan

HMSA employees can use pre-tax income to cover medical, dependent care or insurance premium expenses. After one year of employment, HMSA contributes $25 a month to employees’ flex plan accounts.

HMSA Employees’ Federal Credit Union

Located at HMSA Center, the HMSA Employees’ Federal Credit Union offers automatic payroll deduction to savings accounts, loans, financial counseling, notary services, money orders and travelers checks. A $5 deposit is required to join.