Who do LICH Members Partner with HMAA?
- Local, Personalized Service: HMAA is 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 open market.
- Subsidized Association Dues: We invest in landscape business and related industries. For qualifying groups, we’ll pay your LICH membership dues (up to $480/year). This covers the cost of your access to association resources, networking events, and other great benefits.
Not a LICH member? Contact us and we can help you join the council and qualify for these benefits simultaneously.
Who Is Eligible for the Plan?
LICHs Association Health Plan with HMAA is available to a diverse range of businesses in the landscape and related Industry. Your company can also qualify if it generates 50% or more of its annual revenue from the industry.
- Arborist Services: Specialized tree care, removal, and stump grinding.
- Landscape Maintenance and Design: Commercial and residential mowing, trimming, keeping, planning, and design firms
- Landscape Construction: Planning firms and consultants.
- Irrigation: Installation, masonry, pavers, retrofitting, rock wall construction, and maintenance of water systems.
- Wholesale Plant Nursery, Botanical Garden, and Conservation Agencies: Plant production, sales, and garden centers.
- Lawn/Garden Equipment and Supplies Store: Supply companies for landscape equipment, tools and products.
- Golf Course: Golf course greenkeeping, maintenance and landscaping.
Real-World Coverage Scenarios
How does the HMAA plan help your specific employees? See the difference our specialized benefits make in the field and the office.
| Role | Common Issue | HMAA Solution | Employee Cost |
|---|---|---|---|
| Arborist | High sun exposure working outdoors; worried about skin spots | HiDoc® 24/7 Telehealth Service | No Out-of Pocket Cost |
| Field Laborer | Back strain and soreness from lifting pavers or mowing all day | Chiropractic & Massage Benefits | Low Copay |
| Landscape Architect | Eye strain and headaches from long hours on CAD/design work | Vision Coverage | Low Copay |
| Office Manager | Pregnant and needs maternity support while managing the books | Baby & Me Maternity Program | Free Support + Incentives |
Benefits Designed for Environmental Jobs
Your employees face elements outdoors that office workers don’t—intense UV radiation, heat, heavy lifting, and dangerous machinery. Our health plans match the risks of the landscaping workforce.
1. Access to Care 24/7
Concern: Landscapers in Hawaii have some of the highest occupational sun exposure in the state. If an arborist has skin concerns after long hours in the sun, leaving a jobsite 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.
2. Physical Maintenance with Alternative Care Benefits
Concern: Landscaping is a physically demanding profession. Repetitive motion, heavy lifting of plants, and clearing debris can lead to musculoskeletal issues take a toll on your back, wrists, and joints.
HMAA Solution: Our medical plans include Acupuncture, Chiropractic, Massage, and Naturopathic services. Regular back and hip adjustments and massage therapy can keep your crew working pain-free and reduce the likelihood of a major injury.
3. Your Health is Our Priority
Concern: Health concerns can lead to accidents on the job.
HMAA Solution: Our health plans include a unique suite of wellness solutions such as worksite flu vaccinations 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 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 safety, 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 vision plans are especially popular in the landscaping industry, covering annual exams and corrective lenses which are vital for safety.
Ready to Protect Your Workforce?
Don’t let rising health insurance costs eat into your project margins. Join the many Hawaii businesses —including tree arborists and landscapers – 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 a current LICH member to start the conversation.
- Request a Quote: Fill out our simple form with your business information.
- Review Proposal: We will show you the AHP rates vs. standard market rates so you can see the savings clearly.
- Join LICH: If you like the savings and benefits, we’ll help you join the Landscape Industry Council of Hawaii with subsidized dues.
- Enroll: We onboard your employees with our expert support team.
Frequently Asked Questions (FAQ)
1. Do I have to be a current LICH member to get a quote?
No, you don’t need to be a LICH member to receive a proposal. You can request a free quote from us first. If you choose to enroll with HMAA, we can help coordinate your LICH membership application so you qualify for our exclusive rates immediately.
2. I hire seasonal workers during busy months. Can they be covered?
Yes, you can cover seasonal workers, contingent on certain requirements and 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.
3. Does HMAA cover Neighbor Island landscaping crews?
Absolutely. We serve landscaping professionals across the entire state of Hawaii. Our provider network is accessible statewide, as well as on the Mainland. Our free HiDoc® telemedicine service is particularly valuable for Neighbor Island members, enabling them to access non-emergent care without the cost and travel time.
4. How does the "Subsidized Dues" benefit work?
If your company enrolls in the HMAA Association Health Plan, HMAA may pay up to $480 per year toward your LICH membership dues. For many small to medium-sized landscaping firms, this covers 100% of the association cost, essentially giving you a free LICH membership just for having our insurance.
5. Can I offer different plans for management vs. laborers?
Yes, you can have different benefit offerings by employee classification, contingent on certain requirements. Contact our HMAA team to build a custom structure for your business.
Not in the Landscaping Business?
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.
- Restaurants & Food Service
- Construction & Trade
- Food/Beverage Retailers or Suppliers
- Other Industries
If your industry isn’t listed, contact us to explore options.
