Smarter Benefits, Simplified.

Simplified Solutions for ModernWorkplaces

Simplify employee benefits with expert guidance from Maxed Out Benefits. Our team helps businesses design, manage, and maximize group insurance programs—making benefits easy to understand, compliant, and valuable for both employers and employees.

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Our Services

About Us

Welcome to Maxed OutBenefits

At Maxed Out Benefits, we believe that understanding employee benefits shouldn’t require a dictionary. For over 10 years, we’ve been helping businesses across industries create benefit programs that not only meet legal requirements but also attract and retain great talent.

We specialize in turning confusion into clarity. Whether it’s medical, dental, or disability coverage, or navigating ERISA, COBRA, and ACA compliance, our experts guide you through every step with transparency and care.

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Bilingual Support

We’re also proud to serve Spanish-speaking businesses and employees, ensuring everyone gets the same clear, personalized support.

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Our Mission

To simplify the complex world of employee benefits through smarter, tailored insurance solutions that educate, empower, and protect both employers and employees.

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Our Promise

We simplify complexity—helping your business stay compliant, competitive, and confident while ensuring your employees understand and value their benefits.

Our Services

Insurance BenefitsOfferings

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Group Insurance Solutions

Design a benefits package that works as hard as your team does.

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At Maxed Out Benefits, we tailor comprehensive group insurance solutions, including medical, dental, vision, life, disability, and ancillary coverage, to fit your organization’s needs and budget. Our experts handle comparisons, negotiations, and renewals, ensuring you secure the best value without sacrificing quality. With smarter plan design and ongoing support, we help you deliver meaningful coverage that keeps your employees protected and your business competitive.

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Fiduciary & Compliance Guidance

Navigate the complex world of benefits compliance with confidence.

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Our team helps you stay current and compliant with all state and federal requirements, including ERISA, ACA, COBRA, and HIPAA. From Form 5500 filings to fiduciary responsibility education, we ensure every document, policy, and plan meets the highest standards. We take the stress out of compliance so you can focus on your business, knowing your benefits programs are fully protected, accurate, and operating with complete peace of mind.

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HR & Administrative Support

Empower your HR team with expert tools, training, and guidance.

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Maxed Out Benefits simplifies open enrollment, onboarding, and terminations through seamless coordination and benefits administration technology. We provide customized communication materials, education sessions, and ongoing support that strengthen employee engagement and compliance. Acting as an extension of your HR department, we help you streamline daily processes, eliminate confusion, and ensure every employee receives clear, accurate information about their coverage and benefits options.

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Employee Education & Engagement

Educate and engage your workforce to truly maximize the value of their benefits.

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We go beyond enrollment to make sure every employee understands what’s available to them and how to use it effectively. Through virtual and in-person meetings, bilingual materials, and ongoing claims assistance, we help create confident, informed employees. When your team values their benefits, participation rises, satisfaction improves, and your workplace culture strengthens, driving retention, loyalty, and long-term business success.

Why Choose Us

Experience. Clarity.Confidence.

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Smarter Benefits, Simplified.

We streamline your entire benefits process, from planning to implementation, saving you time, money, and stress.

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Experience You Can Trust.

With over a decade in the industry, we know how to tailor benefits that align with your goals and workforce.

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Educational Approach.

We believe knowledge builds confidence. We educate employers and employees so everyone understands the “why” behind their benefits.

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Compliance Confidence.

We stay on top of regulations so you don’t have to, protecting your business every step of the way.

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Partnership-Focused Service.

We work alongside your HR team to simplify open enrollment, onboarding, and terminations — keeping everything compliant and efficient.

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Bilingual Support for Diverse Workforces

We’re proud to offer English and Spanish support, helping businesses communicate benefits clearly across cultures and languages.

FAQs

Frequently AskedQuestions

Discover clear answers to your most common benefits questions and gain the confidence to manage your coverage with ease and understanding.

What does Maxed Out Benefits do?

Maxed Out Benefits is a full-service insurance agency that specializes in helping businesses design and manage group insurance plans. We offer medical, dental, vision, and ancillary benefits to help employers attract and retain top talent while keeping costs manageable.

Where is Maxed Out Benefits located?

We’re headquartered in Salt Lake City, Utah, with additional offices in Georgia. Our team is licensed and equipped to serve businesses in all 50 states.

What types of insurance plans do you offer?

We offer a wide range of group insurance products, including:

Medical insurance
Dental and vision plans
Life and disability insurance
Ancillary products such as accident, critical illness, and hospital indemnity plans

Our goal is to create smarter, simplified benefit solutions that align with your company’s needs and budget.

Do you offer bilingual support for Spanish-speaking clients?

Absolutely. We proudly serve both English- and Spanish-speaking clients and employees. Our bilingual team ensures that communication, enrollment, and ongoing support are clear and comfortable for everyone, helping businesses with diverse workforces provide equal access to their benefits.

How does Maxed Out Benefits help with employee retention?

A competitive benefits package is one of the most effective ways to retain employees. We help you craft plans that not only provide great coverage but also demonstrate your commitment to your team’s well-being—leading to higher satisfaction and lower turnover.

Can Maxed Out Benefits help businesses with 1099 contractors?

Yes! Many companies want to support their independent contractors but aren’t sure how. We can help design individual or voluntary benefit programs for your 1099 workforce—giving them access to affordable health insurance options while keeping you compliant and competitive as a contracting partner.

Do you assist with ACA and CAA compliance?

Yes! Compliance can be complex, but our experts make it simple. We provide guidance to ensure you have the information and tools for your business to meet all Affordable Care Act (ACA) and Consolidated Appropriations Act (CAA) requirements—reducing your risk and keeping you up to date with federal regulations.

What size businesses do you work with?

We partner with businesses of all sizes—from small startups to large multi-state organizations. Whether you have 2 employees or 2,000, we’ll tailor benefit solutions that fit your company’s unique structure and goals.

How does the process work if my business wants to get started?

It’s simple. We begin with a free consultation to understand your goals, employee demographics, and budget. From there, we analyze your options, present customized plan comparisons, and guide you through enrollment and ongoing administration.

What makes Maxed Out Benefits different from other agencies?

Our difference lies in our tagline: “Smarter Benefits, Simplified.” We combine cutting-edge technology with personalized service to make benefits easier to understand, manage, and communicate—saving you time and money while keeping your employees happy and informed.

Can Maxed Out Benefits work with my existing payroll or HR system?

Yes, we integrate with many popular HR and payroll platforms to streamline benefits administration, enrollment, and compliance reporting—reducing manual work and improving accuracy.

Testimonials

What Our ClientsSays

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“Their tagline says it all. The Maxed Out Benefits team used technology to streamline everything for us — from quoting to onboarding. They turned what used to be a confusing process into something effortless and even enjoyable.”

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Matt H

CEO

Elevate Construction

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“Every time I call, I talk to a real person who genuinely cares. The Maxed Out Benefits team always follows through, whether it’s answering questions about claims or helping with enrollment. They treat our company like a true partner.”

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Laura P

Office Manager

Canyon Dental Group

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“We have a large network of independent contractors and wanted to offer them access to insurance options. Maxed Out Benefits helped us design a voluntary benefits package that our contractors actually love. It’s been a huge win for recruitment and retention.”

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Damon K

Operations Manager

Atlas Delivery Services

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“Between ACA reporting and new CAA requirements, compliance felt overwhelming. Maxed Out Benefits guided us through every step and gave us total peace of mind. Their knowledge and professionalism are unmatched.”

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Jennifer L

CFO

Mountain Ridge Logistics

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“Maxed Out Benefits completely transformed how we handle employee benefits. Not only did they save us money, but our team is thrilled with the coverage options. Their bilingual support also made communication with our Spanish-speaking staff effortless.”

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Carlos R

HR Director

Horizon Manufacturing

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“As a small business owner, I used to dread renewal season. The team at Maxed Out Benefits took the time to explain every option in plain English, helped us find a great health plan for our employees, and made the process simple from start to finish. I can’t imagine working with anyone else.”

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Sarah T

Owner

Tech Solutions LLC

Our Blog

Insights andUpdates

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Get in Touch

Let’s Max Out Your BenefitsPotential.

Contact Us Today to schedule a consultation and discover how smarter benefits can empower your team and your business.