Core Coverage

Essential Benefits Your Employees Expect

The foundation of any strong employee benefits program starts with comprehensive health coverage. These core benefits protect your team’s physical and financial wellbeing and set the tone for your entire benefits offering.

Group Health Insurance

Group health insurance is the cornerstone of employee benefits. It provides your workforce with access to medical care, including doctor visits, hospital stays, specialist consultations, prescription coverage, and preventive care. Offering group health coverage helps you compete for qualified candidates and reduces absenteeism by keeping your team healthy. We work with leading carriers to find plans that balance comprehensive coverage with manageable premiums for both you and your employees.

Learn more about Group Health

Group Dental Insurance

Dental health is directly connected to overall health, yet it is often overlooked in benefits packages. Group dental insurance covers preventive care including cleanings and exams, basic restorative procedures like fillings, and major services including crowns and oral surgery. Employees with dental coverage are more likely to seek preventive care, reducing the risk of more serious and costly conditions. Group plans provide significantly better rates than individual dental policies.

Learn more about Group Dental

Group Vision Insurance

Group vision benefits cover routine eye exams, prescription eyewear, and contact lenses. Vision problems are among the most common and most treatable health conditions in the workforce, and employees who can see clearly are more productive. Regular eye exams also detect early signs of conditions like diabetes, hypertension, and glaucoma. Vision coverage is one of the most cost-effective benefits you can offer, with premiums that are accessible for employers of nearly any size.
Learn more about Group Vision

Group Voluntary Supplemental Life Insurance

Voluntary supplemental life insurance allows employees to purchase additional life insurance coverage beyond any employer-paid base amount. Employees choose their own coverage levels and pay premiums through payroll deduction, typically at group rates far lower than individual policies. This benefit gives employees the ability to protect their families with the level of coverage that fits their personal situation, without the full cost falling on the employer. It is a high-value benefit with minimal cost to the business.
Learn more about Group Life

Health Savings Account

A Health Savings Account is a tax-advantaged savings account available to employees enrolled in a qualifying high-deductible health plan. Contributions are made pre-tax, funds grow tax-free, and withdrawals for qualified medical expenses are never taxed. HSAs give employees a powerful tool for managing current and future healthcare costs, including expenses not covered by insurance. Employers can contribute to employee HSAs as an additional benefit, and unused balances roll over year to year and follow the employee throughout their career.
Learn more about HSA

HR Services for Employers

Managing employee benefits is only part of what we do. Delucia Insurance Agency also serves as your dedicated outsourced HR department, giving you access to a team of human resources specialists who handle benefits administration, employee communications, compliance, onboarding support, and more. From customized employee handbooks to COBRA administration and labor law compliance, we take the day-to-day HR burden off your plate so you can focus on running your business.
Learn more about HR Services
Additional Coverage Options

Expand Your Benefits Program

A complete employee benefits strategy goes beyond the basics. These additional coverages address the full range of employee needs and help you build a program that truly differentiates your organization as an employer.

Critical Illness Insurance

Pays a lump-sum benefit directly to the employee upon diagnosis of a covered critical illness such as cancer, heart attack, or stroke. The cash benefit can be used for any purpose, including out-of-pocket medical expenses, mortgage payments, or living costs during recovery. Critical illness coverage provides a financial bridge when a serious diagnosis changes everything.

Disability Insurance

Short-term and long-term disability insurance replaces a portion of an employee’s income if they are unable to work due to illness or injury. Disability is one of the most underappreciated risks employees face. Group disability coverage provides income protection that keeps financial obligations manageable when health prevents someone from earning their regular paycheck.

Group Voluntary Benefits

Voluntary benefits are supplemental coverages that employees elect and pay for through payroll deduction at group rates. They allow employees to customize their benefits package to fit their individual needs and life stage, while giving employers a way to expand their offerings without adding to payroll costs. Options range from legal services and identity theft protection to pet insurance and more.

Life and Accidental Death & Dismemberment

Group life insurance provides a death benefit to an employee’s designated beneficiaries. Accidental Death and Dismemberment (AD&D) coverage adds an additional benefit paid in the event of death or serious injury caused by a covered accident. Together, these coverages provide a foundational level of financial protection for every employee’s family at a low cost to the employer.

Employee Assistance Plan (EAP)

An Employee Assistance Plan provides confidential counseling, mental health support, financial advice, and legal referrals at no cost to employees. EAPs help employees navigate personal challenges before they affect workplace performance. With mental health awareness at an all-time high, an EAP signals that your organization genuinely cares about the wellbeing of its people beyond the nine-to-five.

Flexible Spending Account (FSA)

A Flexible Spending Account allows employees to set aside pre-tax dollars for qualified medical, dental, and vision expenses not covered by insurance. Dependent care FSAs cover eligible childcare costs. FSAs reduce employees’ taxable income while helping them budget for predictable out-of-pocket expenses. Employers also save on payroll taxes for every dollar contributed, making FSAs a mutual benefit.

Group Accident Insurance

Group accident insurance pays a cash benefit directly to employees who suffer a covered accidental injury, regardless of other coverage in place. Benefits are paid for events like fractures, dislocations, emergency room visits, and follow-up care. It fills the gap between what major medical pays and what employees owe out of pocket, reducing financial stress during an already difficult time.

Group Hospital Insurance

Group hospital insurance, sometimes called hospital indemnity insurance, pays a fixed cash benefit for covered hospital admissions, stays, and procedures. The benefit is paid directly to the employee and can be used for any purpose, including deductibles, copays, transportation, or lost wages. Hospital insurance is especially valuable for employees enrolled in high-deductible health plans who face significant out-of-pocket exposure for inpatient care.

Group Telemedicine

Group telemedicine benefits give employees on-demand access to licensed physicians, mental health providers, and specialists via phone or video. Virtual care reduces unnecessary emergency room visits, minimizes time away from work for routine appointments, and improves access to care for employees in rural areas or with demanding schedules. Telemedicine has become one of the most popular and most utilized benefits in modern employee packages.

Health Reimbursement Arrangement (HRA)

A Health Reimbursement Arrangement is an employer-funded account that reimburses employees for qualified medical expenses and individual health insurance premiums. Unlike HSAs, HRAs are funded entirely by the employer and never by the employee. HRAs give employers flexibility in how they structure health benefits, and they can be tailored to complement a group health plan or serve as a standalone health benefit for businesses that do not offer traditional group coverage.

Human Resources Support

Many employee benefits programs include access to HR support resources including compliance guidance, benefits administration tools, and employee communications materials. Navigating benefits enrollment, ACA compliance, COBRA administration, and plan documentation can be complex. HR support services help employers manage their benefits program efficiently, reducing administrative burden and ensuring employees understand and use the benefits available to them.

Wellness Benefit Plans

Workplace wellness programs incentivize healthy behaviors through gym reimbursements, fitness challenges, smoking cessation programs, nutrition counseling, and preventive health screenings. Healthier employees take fewer sick days, file fewer claims, and are more productive. Wellness benefit plans also send a clear signal about your organization’s culture, making them a meaningful recruiting and retention tool for health-conscious employees.

Additional Coverage Options

Benefits are your most powerful retention tool

In today’s competitive labor market, compensation alone is no longer enough to attract and keep great employees. A well-structured benefits program communicates that your organization values the whole person, not just their output.

The right benefits package reduces turnover, decreases absenteeism, improves employee morale, and helps your business compete against larger organizations for the same talent. It also protects your employees from financial hardship during the moments that matter most, which builds the kind of loyalty that compensation alone cannot buy.

We work with businesses of all sizes to design benefits programs that are strategic, affordable, and genuinely impactful for your team.

0%
of employees say benefits are a major factor in job acceptance decisions
0%
of workers would choose a better benefits package over a pay raise
0x
more likely to be satisfied at work when benefits meet personal needs
0%
average reduction in turnover for companies with robust benefits programs

Trusted by leaders,
loved by clients

Hear from the people choosing Delucia Insurance to protect their business & lifestyle.

  • Avatar Ellen Collard ★★★★★ a month ago
    Savannah is our trusted agent with our Louisiana properties. She is knowledgeable and gets back to us quickly with any questions/issues we may have. Highly recommend!
  • Avatar Jessie Oliver ★★★★★ a month ago
    Very professional service and the right attitude for job. Has answered all my questions and have put forward the tasks to be helpful. Much appreciated!
  • Avatar MJ Dupre ★★★★★ a month ago
    It's a pleasure working with Gage. He is ready to answer any questions and explain any coverage details.
  • Avatar Lance Dronet ★★★★★ a month ago
    Very knowledgeable and always a pleasure to work with them.
  • Avatar Lakisha Carter ★★★★★ a month ago
    Delucia is an awesome company. Thank you!!
  • Avatar Vicki Arnaud ★★★★★ a month ago
    I have been with this company over 10 years. Never had an issue. Wonderful people to work with. I have recommended them to plenty of people.
Delucia Insurance Agency

Ready to build a benefits
program your team will value?

Whether you are starting from scratch or looking to enhance what you already offer, Delucia Insurance Agency is here to help you build a benefits program that works for your business and your people.

Quote online

Our online tool makes it easy to get quotes from top carriers.

OR

Call Our Office

Our licensed agents are ready to help you get covered.

337-210-4181