Our Benefits Will Benefit You

We were first in the industry to provide healthcare to freelancers and pride ourselves in always offering the best healthcare plans at affordable costs.

For every hour a talent works, Vitamin T contributes to their weekly health insurance premiums. For talent working a 40 hour week, we cover 82% of the individual premium for the HMO style plan—our most popular plan option.

It’s another reason why the best talent choose to work with us—and our clients—for years.

Not All Healthcare is Created Equal

Need proof? Check out how leading competitors stack up.

  Vitamin T The Creative Group (Robert Half) Creative Circle
Plan Administrator Cigna The American Worker Benefits in a Card
Health Insurance Available to Talent on Assignment < 1 Year A choice of three medical plan options that match your lifestyle needs.
  • HMO style plan
  • PPO plan
  • High-deductible style plan
Talent are eligible for insurance on the first of the month after working four consecutive weeks for an average of 20+ hours/week
Preventive coverage only plan Preventive coverage only plan
Non-Preventive Services Covered In addition to preventive care, the following health services are covered under all of our insurance plans:
  • Emergency & Urgent Care visits
  • Hospital stays
  • Surgery
  • Labs and diagnostic tests
  • Specialist doctor visits
  • Maternity care
  • Mental health care
  • Comprehensive prescription drug coverage
  • And much more
No additional services are covered beyond preventive care and generic prescription drug coverage. No additional services are covered beyond preventive care and preventive prescription drug coverage.
Dependent Coverage Coverage for…
✔ Children
✔ Spouse
✔ Domestic partner
Coverage for…
✔ Children
✘ Spouse
✘ Domestic partner
Coverage for…
✔ Children
✔ Spouse
✘ Domestic partner
Additional Health Benefits Option of enrolling in a Health Flexible Spending Account (FSA). Employees may put pre-tax dollars aside from paycheck to pay for qualified out-of-pocket medical expenses. FSA not available FSA not available
Meets Affordable Care Act (ACA) Minimum Value Standards Yes No No
Vitamin T
Plan Administrator: Cigna
Health Insurance Available to Talent on Assignment < 1 Year: A choice of three medical plan options that match your lifestyle needs.
  • HMO style plan
  • PPO plan
  • High-deductible style plan
Talent are eligible for insurance on the first of the month after working four consecutive weeks for an average of 20+ hours/week
Non-Preventive Services Covered: In addition to preventive care, the following health services are covered under all of our insurance plans:
  • Emergency & Urgent Care visits
  • Hospital stays
  • Surgery
  • Labs and diagnostic tests
  • Specialist doctor visits
  • Maternity care
  • Mental health care
  • Comprehensive prescription drug coverage
  • And much more
Dependent CoverageCoverage for…
✔ Children
✔ Spouse
✔ Domestic partner
Additional Health Benefits: FSA not available
Meets Affordable Care Act (ACA) Minimum Value Standards: Yes
The Creative Group (Robert Half)
Plan Administrator: The American Worker
Health Insurance Available to Talent on Assignment < 1 Year: Preventive coverage only plan
Non-Preventive Services Covered: Procedures: No additional services are covered beyond preventive care and generic prescription drug coverage.
Dependent Coverage: Coverage for…
✔ Children
✘ Spouse
✘ Domestic partner
Additional Health Benefits: None available
Meets Affordable Care Act (ACA) Minimum Value Standards: No
Creative Circle
Plan Administrator: Benefits in a Card
Health Insurance Available to Talent on Assignment < 1 Year: Preventive coverage only plan
Non-Preventive Services Covered: No additional services are covered beyond preventive care and preventive prescription drug coverage.
Dependent Coverage: Coverage for…
✔ Children
✘ Spouse
✘ Domestic partner
Additional Health Benefits: FSA not available
Meets Affordable Care Act (ACA) Minimum Value Standards: No

All Our Benefits*

  • Medical Insurance - Coverage for preventive, inpatient, outpatient, maternity, mental health, prescription drugs, and emergency services. Dependent coverage also available.
  • Dental Insurance - 100% coverage for preventive care and 50% for major care. Dependent coverage also available.
  • Vision Insurance - 100% coverage up to $300 every year. Dependent coverage also available.
  • Healthcare Flexible Spending Account - Save on taxes for qualified out-of-pocket healthcare expenses. Administered by WageWorks.
  • Supplemental Coverage - Pay for expenses not covered by medical plans due to critical illness, hospitalization, or injuries sustained in a covered accident. Administered by Voya Compass.
  • 401(k) Retirement Plan - Pre-tax retirement savings plan administered by Fidelity Investments.
  • Dependent Care Flexible Spending Account - Save on taxes for qualified dependent care expenses. Administered by WageWorks.
  • Commuter Benefits (Parking and Transit Flexible Spending Accounts) - Save on taxes for qualified transportation and parking expenses. Administered by WageWorks.
  • Discounts and Perks - Get exclusive employee pricing and discounts on technology, travel, entertainment, auto purchases, online shopping, and more through Aquent Perks at Work.

*Health, Dental, and RRSP available in Canada.

Why Our Talent Love Us

“The fact that I could get amazing, affordable health insurance through a contract job was wonderful. Thank you!”
- Social Media Community Manager, New York, NY

“The benefits are great—it's nice to be able to work as a contractor and still have healthcare at a very reasonable rate.”
- Copywriter, Tampa, FL

"I also think it's awesome that benefits are offered to contract employees. I've never experienced anything like that before and that's why I would recommend Vitamin T.”
- Jenele L.