“HMAA provides reliable health coverage and wellness benefits employees love.” — HFIA
Why do HFIA Members Prefer HMAA?
- Local, Personalized Service: We’re a kama`aina company recognized for our exceptional customer service and responsiveness. We’re big enough to serve, small enough to care.
- Exclusive Savings: Members can save up to 15% on health insurance compared to standard small business rates in the market.
- Subsidized Association Dues: HMAA supports your industry. For qualifying groups, we’ll pay your HFIA membership dues (up to $480/year). This often covers the full cost of your access to HFIA’s government relations and networking events.
Not an HFIA member? Contact us and we can help you join the association to qualify for HFIA and HMAA benefits simultaneously.
Who Is Eligible for the Plan?
HFIA’s Association Health Plan with HMAA is available to a wide range of businesses in the local food ecosystem. If your business is involved in moving, making, or selling food, you likely qualify for preferred rates. Your company can also qualify if it generates 50% or more of its annual revenue from the industry.
- Grocery Stores & Supermarkets: From large chains to family-owned neighborhood markets.
- Farmers, Food Manufacturers & Processors: Farm products, specialty food stores/services, bakeries, bento shops, bottling plants, and snack manufacturers.
- Wholesalers & Distributors: Produce importers, seafood distributors, and dry goods suppliers.
- Convenience Stores: Mini-marts, gas station retail, and mom-and-pop shops.
- Suppliers & Logistics Companies: Warehousing facilities, trucking fleets, and freight forwarders.
- Liquor & Beverage Distributors: Wine merchants, beer distributors, and soft drink manufacturing.
Real-World Coverage Scenarios
How does HMAA health insurance help your employees? See the difference our specialized medical and wellness benefits make in key food and beverage industry roles.
| Role | Common Issue | HMAA Solution | Employee Cost |
|---|---|---|---|
| Stock Clerk | Back pain from heavy lifting and shelving | Chiropractic & Massage Benefits | Low Copay |
| Shift Manager | Health risks from long hours of standing and walking | Active&Fit® Gym Membership | Discounted Rate |
| Farmer | Skin rash while farming in the sun | HiDoc® 24/7 Telehealth Service | No Out-of-Pocket Cost |
| Cashier | Pregnant and has questions for a nurse | Baby & Me Maternity Program | Free Support + Incentives |
Benefits Designed for Physical Work
Your employees lift boxes, drive trucks, and stand on concrete floors. A standard “office” health plan doesn’t serve them. Our benefits address physical demands of the food and beverage industry.
1. Physical Maintenance with Alternative Care Benefits
Concern: Warehouse work and shelf stocking lead to musculoskeletal injuries. Back pain is the #1 reason for lost work days in logistics.
HMAA Solution: Our medical plans include acupuncture, chiropractic, massage, and naturopathic services. Preventive maintenance for your crew keeps them capable of doing their jobs pain-free.
2. Access to Care 24/7
Concern: Farmers in Hawaii have some of the highest occupational sun exposure in the state. If a farmer has skin concerns after long hours in the sun, leaving the farm for 3 hours to sit in an urgent care waiting room to speak with a Dermatologist interrupts productivity and delays the schedule.
HMAA Solution: Through HiDoc®, members can talk with a local doctor online or by phone within minutes anytime, anywhere—at no cost. They can get a diagnosis and prescription without waiting for a clinic to open, helping them recover and return to work more quickly. If they feel stressed and want to consult with a therapist, mental health concerns can also be treated through HiDoc®. Consultations are intended to work in tandem with your primary care physician (PCP), not as a replacement.
3. Support the Well-Being of Vital Workers
Concern: The pressure on the food supply chain is immense. High stress affects safety and productivity.
HMAA Solution: Our unique suite of wellness solutions such as worksite flu vaccinations clinics and biometric screenings, free incentives for expectant moms, disease prevention programs, worksite wellness planning assistance, and other resources can support the well- being of your employees and help boost retention (requirements apply). Our Member Plus discounts and special offers from local merchants are extra “perks” in their pocket that add value to their membership.
4. We’ve Got You Covered
Concern: Beyond professional growth and pay, employees look for exceptional benefits and improved work-life balance when looking for a job.
HMAA Solution: To supplement our medical PPO plans, HMAA offers vision benefits, prescription drug, dental and orthodontia, life/AD&D insurance, and Active&Fit ® coverage. Our dental plans are especially popular in the food industry, covering annual cleanings which are vital for hygiene.
Ready to Strengthen Your Workforce?
Don’t let rising health insurance costs eat into your profits. Join the many Hawaii businesses—including local grocers, retailers, and to major distributors—that trust HMAA to protect their ‘ohana. Our medical PPO plans and ancillary benefits are fully compliant with state and federal laws.
How to Get Started
Getting covered is simple. You do not need to be an HFIA member to start the conversation.
- Request a Quote: Fill out our simple form with your business information.
- Review Proposal: We will contact you and discuss pricing options to compare with market rates..
- Join HFIA: If you like the savings, we’ll help you join the Hawaii Food Industry Association with subsidized dues.
- Enroll: We onboard your employees with our expert support team.
Frequently Asked Questions (FAQ)
1. Do I have to be an HFIA member to get a proposal?
No, you don’t need to be an HFIA member to receive a proposal. You can request a free quote from us first. If you choose to enroll with HMAA, we can coordinate your HFIA membership application so you qualify for our exclusive rates immediately.
2. Will HMAA cover all my warehouse staff?
Coverage depends on the number of hours they work. In Hawaii, the Prepaid Health Care Act mandates coverage for employees working at least 20 hours a week for four consecutive weeks. Other requirements apply.
3. How does the dues subsidy work?
For qualifying groups enrolled in HMAA’s Association Health Plan, we pay up to $480 per year toward your HFIA membership dues. This supports the association that works for your industry’s interests while lowering your operational costs.
4. My business is not on Oahu. Can we join?
Yes! HFIA and HMAA serve the entire state. Whether your store is in Hilo, Kihei, Lihue, or Kapolei, we’ve got you covered with your benefits, extensive choice of providers, and customer support. You can also access our Mainland provider network while traveling.
5. Is there support for expectant moms?
Yes. Many food industry businesses are family-run. Our Baby & Me maternity incentive program offers specialized support, education, and incentives (including a $250 gift card for diapers!) for expectant mothers, ensuring your family’s next generation gets a healthy start.
Not in the Food Industry?
We’ve partnered with local associations specialized in other key industries to provide the same tailored health plan benefits. If your business operates in a different sector, check our other industry pages or contact HMAA to discuss other coverage options.
If your industry isn’t listed, contact us to explore options.
