For many businesses—especially small employers—offering a full suite of traditional benefits can feel overwhelming or cost-prohibitive. That’s where voluntary and supplemental health benefits come in. These coverages are the perfect complement to high-deductible health plans or an ICHRA strategy, helping employees offset out-of-pocket costs without adding significant expenses for the employer. At Benni, we make these programs easy to understand, simple to enroll in through our free administration platform, and a smart way for smaller employers to provide affordable, high-value protection that employees truly appreciate.
Hospital Indemnity Insurance
Hospital indemnity insurance provides cash payments when an employee is admitted to the hospital—helping them cover deductibles, coinsurance, or non-medical expenses. This makes it a powerful complement to high-deductible plans or ICHRAs, where employees may face higher upfront costs. At Benni, we don’t just tack on hospital indemnity—we integrate it into a clear benefits strategy that helps small employers enhance their offerings affordably. Employees gain peace of mind, employers strengthen retention, and brokers can present a competitive package that meets budget goals.
Critical Illness Insurance
Critical illness insurance delivers a lump-sum benefit when employees are diagnosed with conditions such as cancer, heart attack, or stroke. It gives them flexibility to pay deductibles, cover travel costs, or simply keep household finances stable. For employers using high-deductible plans or considering an ICHRA, critical illness insurance is an ideal complementary benefit that fills gaps and shows employees you care. At Benni, we ensure employees understand this value clearly—unlike traditional agencies that just offer the policy without education. Employers can offer it affordably, brokers expand their solutions, and employees get real protection during life’s toughest challenges.
Cancer Insurance
Cancer insurance provides ongoing financial support during one of the costliest healthcare journeys. Even with strong insurance, deductibles and uncovered expenses add up quickly. Cancer coverage is especially valuable for employers offering high-deductible plans or an ICHRA because it complements the base coverage by reducing the employee’s financial exposure. At Benni, we provide clear, simple communication that helps employees understand how cancer insurance works, and we integrate enrollment seamlessly into our platform. For small employers, it’s a low-cost way to offer meaningful protection that employees will thank you for.
Accident Insurance
Accidents are unpredictable—and medical insurance doesn’t always cover the full cost of recovery. Accident insurance provides cash payments for ER visits, X-rays, and follow-up care, making it an excellent complement to high-deductible or ICHRA-based plans. At Benni, we position accident insurance as a way for small employers to offer extra financial security without adding cost to the company. Unlike agencies that simply list accident coverage as optional, we highlight its role in protecting employees from surprise bills, building loyalty and trust at a minimal cost.
Gap Insurance (Supplemental Medical)
Gap insurance is designed to “fill the gap” left by high-deductible plans by covering expenses like deductibles and coinsurance. For small employers exploring ICHRAs, gap coverage is one of the most complementary benefits available, because it makes affordable health plans more attractive and less intimidating for employees. At Benni, we make gap insurance easy to implement and communicate, ensuring employees see its true value. The result: employers can confidently offer affordable plans, employees feel secure, and brokers gain a flexible solution that strengthens retention.
Medicare Supplement Insurance
For employees nearing retirement or already eligible for Medicare, supplement coverage ensures they aren’t left with uncovered expenses. This is an important complement to employer strategies built on ICHRA, as it allows businesses to support older employees affordably without the burden of a traditional group plan. At Benni, we simplify Medicare supplement enrollment and education so employees feel supported during a major life transition. For employers, it’s another way to provide value at no additional cost, and for brokers, it expands their ability to serve multi-generational workforces.
Meet The Experts
Meet the specialists behind your benefits strategy.
JOSEPH BOLOGNUE
President
Joseph Bolognue brings more than 25 years leading technology companies and digital transformation, applying that background to Benni Agency’s benefits administration, HR technology, and integrated employer systems.
Julie Ellis
Sales Manager
Julie Ellis combines five years developing employee benefit strategies for local employers with two decades of business experience, bringing a practical employer perspective to benefits administration.
Crystal Eller
Crystal Eller is an Agency Sales Representative at Benni Agency with insurance experience through Colonial Life and a University of South Carolina background, supporting employer benefit conversations.
JOSEPH BOLOGNUE
President
Joseph Bolognue brings more than 25 years leading technology companies and digital transformation, applying that background to Benni Agency’s benefits administration, HR technology, and integrated employer systems.
Julie Ellis
Sales Manager
Julie Ellis combines five years developing employee benefit strategies for local employers with two decades of business experience, bringing a practical employer perspective to benefits administration.
Crystal Eller
Crystal Eller is an Agency Sales Representative at Benni Agency with insurance experience through Colonial Life and a University of South Carolina background, supporting employer benefit conversations.
Area We Serve
Benni Agency serves employers across South Carolina with employee benefits, commercial insurance, ICHRA guidance, and ongoing support. Below are the local areas we serve:
Frequently Asked Questions
How does supplemental health help employees?
It helps cover costs not paid by regular medical insurance, such as deductibles, copays, hospital stays, or unexpected illnesses. It gives employees cash benefits to help with non-medical expenses or financial gaps when something unexpected occurs.