Employee benefits

Beam Benefits offers dental, vision, life and supplemental health coverage for employers of all sizes. These are tailored employee benefits packages that offer exactly what your clients need. The Beam Benefits plans underwritten by Nationwide^® offer a “no-size-fits-all” approach with self-service tools and helpful support.

What Beam Benefits offers:

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[1] Use of the Digital Quoting Tool not currently available in all states and contingent upon broker's proper appointment and licensure. Pricing customization may vary based on plan and state specific limitations.
[2] Average implementation timeframe based on internal data and dependent on the submission of complete and accurate data entry and broker approval.
[3] As of June 2022, compared to prior carrier’s enrollment.
[4] Beam Perks^TM is provided by Beam Perks LLC. Eligible members ages 4 and up at the time of enrollment are eligible to receive Beam Perks^TM and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device, you can obtain Beam Perks^TM by contacting Customer Operations at 1.800.648.1179. Beam Perks^TM can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental. Beam Perks^TM may be changed at any time without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in AL, AR, AZ, CT, DC, DE, GA, IA, ID, IL, KS, LA, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NY, NV, OH, OK, OR, SC, UT, TN, TX, WI, and WY. Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states. Program restrictions and exclusions apply.

Beam Benefits is not a subsidiary of Nationwide Life Insurance Company. Beam Insurance Services LLC and Beam Insurance Administrators are separate companies and not affiliated with Nationwide Life Insurance Company.

Research indicates that ongoing wage growth and challenges in filling open positions have created fierce competition between employers for part-time or hourly workers.¹ Offering an employee insurance plan provides the stability that employees seek and can provide employers with an advantage in attracting and retaining talent, but also comes with its one unique set of challenges.

We’ve partnered with The American Worker, a limited medical benefit program designed to be cost-effective, comprehensive and easy to manage, helping employers attract and retain top talent.

Benefits of our limited medical benefits programs

For brokers
Our programs offer a single source for your clients’ health insurance product needs, along with an administrative solution that includes multiple consolidated billing and enrollment options and dedicated account mangers.

For employers
Limited medical offers a fully integrated system that doesn’t cost the company time or money. We consult with employers to identify their needs and design a benefit program to accomplish their goals.

For employees
Getting enrolled and using the limited medical benefits is easy and can help employees fill insurance gaps by providing coverage that reduces out-of-pocket expenses.

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We were the first company to offer pet insurance as a voluntary benefit through brokers and employer groups more than 20 years ago — and we continue to be their #1 choice. Nationwide is the only insurer to offer pet insurance plans created specifically for employees.

Benefits of offering pet insurance:

For brokers
A simple, no-cost way to increase the value of your benefits portfolio with new groups that can launch year-round. We offer one-to-one support that can help you expand your client list, drive participation and streamline onboarding.

For employers
A high-value, no-cost, voluntary benefit that enhances employee benefits packages, including special member perks and an exclusive plan for voluntary benefits packages.

For employees
A financial safety net that helps pay for regular and emergency pet health care, with reimbursement options for eligible veterinary expenses from any licensed veterinarian anywhere, including specialty and emergency providers.

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Pet insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. ©2024 Nationwide.