Enhancing your experience with personalized solutions

At HGF Benefits, we deliver innovative, cost-effective solutions that empower employers and employees alike. From health plan design to wellness engagement and compliance, our services are built for transparency, savings, and long-term value.

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VERIS
VERIS is a transparent, consultant-driven benefits solution built for long-term stability and savings.
  • Full cost transparency with the ability to retain unused funds
  • Independent risk model—no cross-group subsidizing
  • Guaranteed renewability with rate caps, no new lasers, and no re-underwriting
  • Backed by Benecon’s trusted consortium model
Healthy Advantage
A smarter alternative to traditional insurance, Healthy Advantage offers cost control, savings, and national access.
  • Level-funded plan with predictable monthly costs
  • 100% refund of unused claims funds at year-end
  • Stronger contract terms than most competitors
  • Nationwide provider access through the Cigna PPO network
Deductible Coverage
Enhance your health plan with added coverage, wellness support, and financial protection for your employees.
  • Adjustable coverage for deductibles
  • Access to a personal Wellness Coach for physical and mental health guidance
  • Financial relief from out-of-pocket costs
  • Complements major medical plans
New Journe
We ensure your benefits plan stays compliant and well-managed, while making healthcare easier for your team.
  • ERISA & ACA compliance, including 5500, PCORI, and 1094/1095 filings
  • Coordination of COBRA, HRAs, and other regulatory requirements
  • 24/7 concierge care and appointment prep for employees
  • Proactive, predictive insights into healthcare needs before the plan starts
Employee Population Management
We help employers improve health outcomes and lower costs through smart, data-driven wellness strategies.
  • Up to 85% participation with incentives
  • 13% average savings through better engagement
  • Wellness reports to track ROI
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