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

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% of the eligible charge for most services.


Members see any provider they choose. The plan pays up to 80% of the eligible charge for most services.

Health Plan Hawaii Plus

This HMO plan provides great coverage for hospital care, prenatal and postpartum care, standard childhood immunizations, routine physicals, laboratory fees, and X-rays and more. Services must be received from our large HMO network.

CompMed HRA

Members see any provider they choose. The plan pays up to 80% of the eligible charge for most services after the annual deductible is met. This plan includes a special expense account called a Health Reimbursement Arrangement (HRA).

Dental coverage

HMSA employees choose from HMSA’s Preferred Dental plan, 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 every year, and coverage for frames every two years.


HMSA employees get nine paid holidays each year.

Personal Days

Employees earn 15 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% of their salary if they’re 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 WorkLife Hawaii at no cost.

401(k) Plan

HMSA employees are immediately eligible to participate in our 401(k) plan that includes company matches to employee contributions. Employees may also receive a discretionary contribution of up to 3 percent of pay each year to their 401(k) Plan.

Flexible Spending Plan

HMSA employees can use pre-tax income to cover medical, dependent care, or insurance premium expenses.

HMSA Employees’ Federal Credit Union

With offices in Honolulu and 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.