All full-time employees (must work a minimum of 32 hours per workweek) are eligible to participate in our employee benefits program. Benefits must be selected or declined within thirty days of an employee’s start date.

Wellness Benefits

Health Benefits

Proactive Talent offers health insurance benefits to its employees and their dependents through Blue Cross Blue Shield of Texas. As your employer, Proactive Talent covers 70% of employee and 50% of dependent health insurance benefits. We have a silver, gold, and platinum plan for each of our HMO and PPO plan options to suit the needs of our employees.

What are the differences between HMO and PPO plans?

• Health Maintenance Organization (HMO)
  • Typically have lower monthly premiums and you can expect to pay less out-of-pocket.
  • You are required to use a primary care physician (PCP) and obtain referrals from your PCP.
  • HMOs only cover in-network providers and will only approve of out-of-network providers for true medical emergencies.
• Preferred Provider Organization (PPO)
  • Typically have higher monthly premiums and out-of-pocket expenses tend to be higher.
  • You have the flexibility to visit any provider and do not need referrals from a PCP.
  • PPOs cover both in-network and out-of-network providers. However, out-of-network providers will have higher fees and a separate deductible.

Open Enrollment

Our annual open enrollment for health insurance benefits begins on December 1st, and plans must be chosen by December 15th. All plans selected during open enrollment are activated on January 1st.

Texas Employees

If you reside in the state of Texas, you have access to three HMO plans and three PPO plans.

Texas Employee Health Benefit Options

Out-of-State (Non-Texas) Employees

If you reside outside of the state of Texas, you only have access to our PPO plans. This is because PPO plans offer the flexibility to visit in-network and out-of-network providers. As a Texas-based company, our HMO plans are less flexible due to the nature of the plan. Our HMO plans use in-network, Texas-based providers only, so you’re less likely to have someone who takes our HMO insurance in your state if you reside somewhere other than Texas.