Rhino · For employers
Group health, dental, vision, group life, and disability — discussed with the business that sponsors them. This is an overview for Edinburg and Rio Grande Valley employers. It is not an individual health plan, and it is not a rate.
Coverage descriptions are educational samples for discussion with an advisor. They are not an offer of insurance, a binder, or a complete statement of policy terms.
Business name, about how many people you employ, and which benefits you want to discuss — health, dental, vision, group life, disability, or several of them. No account required.
An advisor covers eligibility, the difference between these benefits and workers’ comp, and what has to be true before a plan can be offered. The form on this site only requests that call.
Nothing is in force until the employer accepts terms, any required premium is paid, and plan documents are issued. Employee enrollment is a later step, off this website.
Who it’s for
Businesses in Edinburg and the Rio Grande Valley that want employee benefits explained by a local advisor. This page is for the employer, not for someone shopping an individual medical plan.
Owners adding employees who want to understand which benefits are commonly offered together, and that enrollment rules are set by the plan — before anyone is asked to sign up.
If you already talk with us about liability or workers’ comp, group benefits is a separate request about what you offer the people who work for you.
Five lines we discuss with local businesses. Availability depends on the employer and on the plan that is issued. Nothing here is a quote or a promise of coverage.
Medical coverage an employer sponsors for eligible employees. Networks, deductibles, and who may enroll are defined in the plan documents. We do not list copays or premiums here.
Dental benefits are often discussed next to medical. Covered services, waiting periods, and annual maximums come from the plan, not from this overview.
Vision benefits typically follow a schedule for exams and eyewear. Allowances and any copays are plan terms. This page does not quote them.
Life insurance the employer sponsors, often a flat amount or a multiple of pay for eligible employees. It is not a substitute for an individual policy a person buys for their family. Individual life has its own page.
Disability coverage is generally meant to replace a portion of income if an employee cannot work because of illness or injury, for a period the contract defines. Employers often ask about both short-term and long-term forms. This is not workers’ compensation, which is a separate commercial line for job-related injury and disease.
Call (956) 609-6222, Monday–Friday 8AM–5PM. Tell us you are an employer and which benefits to discuss. Leaving details online only requests a callback — it is not a price or a binder.