Employee Benefits

Your health, and the health of your family, friends, colleagues, and employees is one of the most basic needs each of us look to promote and protect each day. Building customized benefit strategies is our way of helping protect that basic yet critical need for each of our valued clients.

As health care continues to change, analyzing and comparing benefits options can be an overwhelming task for even the most savvy business owners, but it doesn’t have to be.  Our benefits team has been dedicating 100% of their efforts to group benefits for the past 40 years.  Our experience, and the ability to handle an unlimited number of employees per group, makes our firm a great option for your benefits needs!

Working with group accounts of all sizes across the country, we specialize in employee benefits for public entities, small businesses, school districts, and associations.

Individual & Medicare Services

At Mike Keith Insurance, our Life and Health team is committed to helping individuals navigate the often-complicated world of insurance with confidence and clarity. Whether you're exploring Medicare options or individual coverage, our goal is to provide guidance, support, and personalized solutions that meet your unique needs.

We understand that choosing the right plan is more than just picking from a list — it’s about peace of mind and long-term security. Our team is here to serve as your trusted partner, offering expertise, compassion, and a commitment to making the process as simple and stress-free as possible.

For more information, reach out to our Life & Health Department at 660-885-5581.

We do not offer every plan available in your area. Currently we represent five organizations which offer thirty-four products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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  • Benefits

  • Group Health Insurance

  • Supplemental/Voluntary

  • Health Savings Account

  • Fully Insured

  • Self Funded & Alternate Funding

  • Section 125 Plans:

    Flexible Spending Account, Premium Only Plan, Disability, Dependent Care, etc.

  • Individual & Medicare

  • Life

  • Individual & Family Health Insurance Plans

  • Short-Term Health Insurance Plans

  • Dental, Hearing, & Vision Plans

  • Long-Term Care Plans

  • Disability

  • Medicare Supplements

  • Medicare Advantage & Prescription Drug Plans

Quality Service

Dedicated to delivering personalized service to meet your unique needs.

Dedicated Team

Our account managers are here to help you whenever you need it.

Carrier Selection

Our wide range of business insurance carriers ensures great pricing.

Employee Benefits Solutions

Deciding to partner with MKI means a dedicated service team who will work with you on the full spectrum of employee benefit services. Your investment in an employee benefits program should be handled with care and expertise.

That is where we come in. From offering competitive benefit options to providing core benefit consulting services and transparent plan pricing, we focus on finding solutions that align with your needs and goals, which include:

  Promoting health care consumerism

  Optimizing employee communications

  Developing an employee wellbeing program

  Changing funding structures

  Investigating new health plan options

Strategic Planning

 

 

 

 

 

 

We develop a benefits strategy for today, based on your plans for tomorrow.

Our goal is to guide you through a comprehensive strategic planning process that balances the needs of your employees with the financial budget established by your company.

HSA

A health savings account (HSA) is an individually owned, tax-favored account that allows consumers to pay for qualified health care expenses.

An HSA can only be paired with a high deductible health plan (HDHP) to receive the tax advantages allowed by the IRD. Premiums associated with an HDHP will be lower than a traditional plan, allowing employees to capture the savings to fund an HSA.

Employees can make tax-deductible contributions to an HSA, and the account can earn interest tax-free. HSA funds can be used for any qualified out-of-pocket medical expense. Once the deductible is met, the health plan begins paying some or all covered expenses, depending on the plan selected.

  Funds deposited into an HSA can reduce income taxes

  The HSA account belongs to the account holder for life and grows tax-free

  HSA funds can be withdrawn tax-free to pay for qualified medical expenses, such as dental visits, prescription drugs, eyeglasses, contacts, and chiropractor visits

2025 IRS HSA Limits

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HRA

A health reimbursement arrangement (HRA) is a stand-alone, employer-funded plan combined with a high deductible health plan.

An HRA allows employers to fund an account to pay employees’ medical expenses that are not covered by insurance such as deductibles, copays or coinsurance.

Analytics & Education

 

 

 

 

 

Understanding your plan helps you control costs and make informed decisions.

The more you understand the key components of your plan—such as provider services, pharmacy costs, network usage, and medical trends—the better equipped you'll be to manage expenses. Our team of benefits specialists are here to help you with these insights and services.

Technology Integration

 

 

 

 

 

Integrating technology simplifies processes and improves your team's access to their benefits.

As companies increasingly rely on technology to manage remote workforces, seamless integration has become essential. Our solutions eliminate inefficiencies between payroll and benefits administration systems while also providing employees with streamlined access to their benefits and educational resources.

Employee Engagement

 

 

 

 

Empowering your employees with the right tools to navigate their benefits increases overall satisfaction.

Your employee benefits program is one of the most powerful tools for attracting and retaining top talent. But it’s not just about offering great benefits—it’s about making sure your employees understand and appreciate them. Our team provides personalized education and ongoing support to help employees navigate and fully utilize their benefits.

With the right engagement tools and strategy, we help boost employee appreciation and satisfaction for your benefits program. We know that meaningful engagement requires more than just a brochure, which is why we leverage a variety of traditional and digital communication methods to meet your team where they are.

Here's how we help you engage your employees effectively:

  New hire and open enrollment benefits guide

  In-person and recorded open enrollment presentations for seamless onboarding 

  On-demand video library for easy access to important benefits information

  Benefit Overview information sheets

Human Resources   

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Through our partnership with Keystone, we provide an HR helpline, ongoing education for supervisors/administrators, and essential training that take the burden off you.
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