Teresa Cutright
Vice President of Employee Services
Arizona Financial Credit Union
Sector: Financial
The most important aspect of our healthcare benefits is our commitment to making high-quality coverage both accessible and immediate. We offer comprehensive medical, dental and vision coverage, including free employee-only medical coverage, with benefits beginning on the first day of employment — ensuring support from day one.
Beyond coverage, we take a holistic approach to well-being, meeting employees wherever they are in their health journey. We emphasize preventive care and whole-person wellness, including a personalized health app that supports nutrition, sleep, stress management and preventive screenings.
We encourage healthy habits through step challenges, gym subsidies and incentives such as paid time off and gift cards. Employees also have access to financial and mental health resources, along with educational webinars.
Additionally, health advocates and case managers support employees navigating complex health needs, assisting with claims, prescriptions and care coordination. Together, these benefits reflect our investment in helping employees proactively manage their health and well-being.
Teresa Cutright is the vice president of Employee Services at Arizona Financial Credit Union, bringing more than a decade of progressive Human Resources leadership experience. She leads employee relations, benefits, compensation, payroll and HR operations, driving strategies that enhance employee well-being, engagement and organizational performance. Known for her thoughtful leadership and sound judgment, Cutright is committed to building a culture rooted in trust, accountability and care.
Angela Hernandez
Director of Human Resources
Peddler’s Son
Sector: Wholesale Grocer
At Peddler’s Son, the most important aspect of our healthcare benefits is making quality care accessible and affordable for our employees. We focus on providing options that remove barriers and give employees confidence when seeking care.
A key decision we made was implementing Blue Cross Blue Shield of Arizona’s Prosano advanced primary care model. One of the biggest advantages is that when employees stay within the network, they can access many services without out-of-pocket costs, including primary care visits, preventive care and certain labs. This allows our employees to prioritize their health without the stress of unexpected medical bills.
We understand that every employee’s needs are different, so we aim to provide flexible, easy-to-use benefits that support both individuals and families. Our goal is to create a benefits program that is not only comprehensive but truly meaningful in everyday life.
Angela Hernandez is the director of human resources for Peddler’s Son, a local wholesale food distributor delivering farm-fresh produce and provisions to Arizona restaurants, hospitals and more. Family-owned and operated since 1988, Peddler’s Son specializes in delivering happiness, customer service, honest pricing and high-quality produce and provisions to its customers. Hernandez oversees HR operations, payroll, benefits and compliance for a workforce of more than 200 employees.
David Kolbe
Chief Executive Officer
Kolbe Corp
Sector: Business Management
The most important thing we can do with healthcare benefits is give people real choices. One plan doesn’t work for everyone — a single employee in their twenties and a parent with a young family have completely different needs. When you offer different coverage levels and price points, including options like health savings accounts, people actually engage with their care. They make better decisions because the plan fits their life, not the other way around.
For small businesses, this is huge. Offering meaningful healthcare options is one of the most concrete ways to show your team you’re invested in them. And honestly, it helps you compete for talent against companies five times your size.
Here’s what I’ve seen: When people have coverage that actually fits, they use it. They get care before something small turns into something expensive. That means better health outcomes, sure — but it also means more engaged employees who stick around longer. Which, at the end of the day, is good for everyone.
David Kolbe is CEO of Kolbe Corp, headquartered in Phoenix. The company, now in its 50th year, is best known for the Kolbe A™ Index, an assessment that measures how people naturally take action. Kolbe co-authored the bestselling book Do More, More Naturally and has spent decades helping businesses improve team dynamics, performance and hiring.
Miranda Roy
People Operations Generalist
REDW Advisors & CPAs
Sector: Professional Services
The most important aspect of REDW’s healthcare benefits is our intentional focus on whole person wellness, paired with flexibility that supports a diverse and evolving workforce. Through our partnership with Cigna, employees have access to high-quality, affordable medical coverage that emphasizes preventive care, behavioral health and long-term well-being. This commitment is reflected in REDW being recognized as a Cigna Healthy Workforce Designation: Bronze Level recipient, as well as an Mployer Market Leading Award winner, affirming that our benefits exceed market standards.
REDW complements healthcare coverage with intentional wellness programming, including monthly wellness webinars centered on the five pillars of well-being: physical, environmental, emotional, financial and social. These programs provide education, resources and practical tools employees can apply both at work and at home. In addition, REDW offers Flexible Vacation Time, paid parental leave, up to six weeks of Self Family Care Leave and up to 64 hours of paid sick time annually, allowing employees autonomy and balance. Together, these offerings empower employees to care for themselves and their families while thriving professionally.
Miranda Roy is a people operations generalist at REDW Advisors & CPAs, a team of more than 300 professionals serving the audit, tax, cybersecurity, business and financial needs of a wide range of clients. She supports the strategic direction of the firm as it relates to culture, talent acquisition and retention, total rewards and benefits, professional development/learning, health and wellness, and overall engagement/satisfaction.
