Our employees are offered a choice of comprehensive and flexible benefit
packages that support them during their career with HMSA and into retirement.
HMSA employees choose from four 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.
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.
Members see any provider they choose. The plan pays up to 80 percent of the eligible charge for most services after satisfying the annual deductible. This plan comes with a special expense account called a Health Reimbursement Arrangement (HRA).
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.
HMSA employees get nine paid holidays each year.
Employees earn 10 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
HMSA Employees’ Federal Credit Union
With offices at the HMSA Center and at Kapolei, 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.