Ready to enhance your employee benefits package with affordable group insurance plans? With flexible options from MetLife, you can offer your employees voluntary group benefits, such as dental and vision plans, that align with their budget and insurance needs. These products are the alternative affordable benefits to the high cost of health insurance.
Employee Benefits
For Business
Affordable Group
Insurance Plans For
Your Employees
Ancillary Benefit Offerings
- Dental
- Vision
- Life
- Disability
- Accident
- Critical Illness
- Hospital Indemnity
- Legal Plans
- Identity Theft
Bundled Coverage
Options
Employees often want to take advantage of multiple supplemental insurance offerings to complement their primary health plan. As a leading group ancillary insurance provider, MetLife offers dental, vision, life, legal, and ID theft plans as standalone options or bundled together.
Bundling coverage makes it easier for your business to provide essential benefits in one convenient package. Employees gain access to affordable preventive care while employers can simplify administration and, in some cases, reduce costs by offering multiple benefits together. Click below to download our bundled plan information.
24-Month Rate Guarantee
When you choose an employee benefit plan through MetLife, your rate is locked in for two years. No increases. No surprises.
- Same premium for 24 months
- Predictable benefit costs
- Comfort in knowing your rates won’t change
50
Employer Net Promoter Score (rNPS)
99%
Employer Satisfaction
96%
Employee Satisfaction with Claims Experience
Simplified Access to
Quality Care
With MetLife, employers can choose from multiple plan options, allowing them to select coverage that aligns with their budget and health care priorities. Each plan includes a 24-month rate guarantee, providing predictable costs, along with access to a nationwide PPO network for convenient care across the country.
Why MetLife?
- 90%+ Cases Implemented in <7 Business Days
- 95%+ Response Rate Within 1 Business Day
With MetLife by your side, you’ll open a world of opportunity for your employees.
- Cost-effective benefit solutions
- Fast case implementation
- 24/7 online access to the self-service portal
- Experienced leader in non-medical group benefits
- Nationwide PPO network
Adding group benefits to your insurance offering helps employees gain complete protection while maintaining affordable premiums for your business.
Insurance FAQs: What You Need to Know
Is there a minimum number of employees required to offer these plans?
To qualify for MetLife group coverage as a business, your company needs at least two full-time employees (including the owner). All full-time, permanent employees of an employer are eligible for insurance under a group policy.
Are partners and proprietors of my firm eligible for small business insurance?
Partners, proprietors, and members of the firm must meet all requirements applicable to full-time or part-time employees to be eligible.
Can I extend the offer of MetLife coverage to my employee’s spouses and/or children?
Yes, coverage like dental, vision, life insurance, etc., can be extended to spouses and/or children of any employees who enroll in coverage. You can decide if you want to contribute to the cost of their coverage.
When can I apply for coverage for my business, and how long does it last?
You can apply for coverage at any time throughout the year. Your coverage will always begin on the first of the month, but you’ll need to submit your application at least two weeks before your desired effective date to ensure everything is processed on time. Each policy has a 12-month contract term, and we’ll reach out to you before your term expires to discuss your renewal options.
As a small business, do I qualify for tax advantages for offering insurance to my employees?
Yes, you may be eligible to take a deduction on the amount you contribute towards the premium cost on your employee’s behalf.
How do employer-paid and voluntary plans differ for my business?
Employer-paid plans require you to pay part of the premium, which helps boost participation and strengthens your overall benefits offering. Voluntary plans are fully employee-paid and allow you to expand your benefits package without increasing your costs. You can also choose to offer both: provide core employer-paid benefits for all eligible employees and then offer voluntary “buy-up” options so employees can purchase additional coverage if they want more protection.
How much should I contribute toward the cost of the benefits?
You decide the contribution amount. Many employers contribute enough to keep costs low for employees while staying within budget. Voluntary plans require no employer contribution at all.
How do these benefits help with employee attraction and retention?
Strong benefits are consistently one of the most influential factors in recruiting and retaining talent. Offering dental, vision, life, and disability shows employees you’re invested in their well-being. You even have the ability to offer “lifestyle benefits” such as legal and identity theft coverage to your employees. Having differentiating employee benefits like this can increase interest and retention.
Unlock a World of Opportunity
Get started today to experience industry-leading benefits designed for businesses.
