Employer Services

Group Medical Insurance

We provide competitive health insurance quotes from all major carriers. You’ll have access to traditional HMOs and PPOs, high deductible Health Savings Account-Compatible Plans (HSAs), Health Reimbursement Accounts, self-funding options and more. We’ll help you put together a solution that fits your budget and the needs of your staff.

Nonprofits may receive up to a 35% refundable premium tax credit on employer contributions towards cost of employees’ health insurance. Businesses can receive up to 50% tax credit. How much might you save? Click here for the premium credit calculator.

Health Reimbursement Arrangement (HRA)

A group HRA works best for companies that offer group health insurance and want to save money without canceling (or reducing) employee coverage. “Raise the deductible on the group plan and self-insure the increase.”

With a Group HRA, employers reduce the premium on their current group policy by increasing employee exposure (e.g. raising the deductible). Then, they use a group HRA to cover the employees increased exposure (e.g. increased deductible) with tax free defined contributions. Features include typical net savings of 20-40% with no reduction in benefits, electronic plan documents and integration with any payroll system.

Group Dental & Vision Insurance

Whether you’re looking for a quality, low-cost group or voluntary plans for your employees, we will help you select the plan that best suits your needs and budget. As with major medical coverage, we provide access to all the major carriers.

Group Life Insurance

We can provide you with a wide array of group and voluntary life insurance plans to help your employees protect their loved ones.

Key Person and Buy-Sell Life Insurance

Applicable for both nonprofits and businesses, protecting the organization’s financial risk due to the loss of a key executive is the purpose of key person life insurance. Buy-Sell policies fund the purchase of ownership shares from deceased owner’s beneficiary, and are applicable to partnerships, LLCs and Corporations.

Group Disability Insurance

Disability insurance helps to protect the income of your employees when missing work due to illness or accidents. Short Term Disability (STD) provides income protection above California’s state disability plan. Long Term Disability (LTD) can help protect against the financial impact of a longer term disabling illness. Choose from a wide variety of plans for a very low cost.

Group Travel Insurance

Group medical travel plans combine unsurpassed service and mobile technology to help you access trusted doctors and hospitals all around the globe. For employee travel, or for employees based abroad.

Group Acupuncture & Chiropractic Services

Interest in complementary health services is becoming increasingly important to employees because it offers a broader choice of wellness and treatment options. This coverage typically is bundled with your major medical carrier.

Group Long Term Care

Long Term Care (LTC) insurance provides care services in the home or in a care facility due to an injury, illness, advanced age and/or mental deterioration. Of those who have long-term care needs, 41% are under age 65! It helps your employees protect their assets, as well as provide peace of mind. Guaranteed enrollment for 15 or more employees. Individual benefit upgrades are available.

California Partnership for Long Term Care is an innovative program of the State of California, Department of Health Care Services in cooperation with a select number of private insurance companies. These companies have agreed to offer high quality policies that must meet stringent requirements set by the Partnership and the State of California. These special policies are commonly called “Partnership policies.” Partnership policies take the guesswork out of ensuring you purchased a quality policy. In addition to many other consumer protection features, Partnership policies offer the special benefit of Medi-Cal Asset Protection.

Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA)

Tax-favored accounts save money for both your organization and your employees and are recognized as a valuable and cost-effective benefit. The central concept is that your employee’s spendable income is increased to allow them to select and pay for certain benefits using pre-tax dollars. We will help you design and implement a plan that will enhance your employee benefit programs.

Employee Assistance Programs

Employee Assistance Programs help employees deal with personal problems that might adversely impact their work performance, health, and/or well-being. EAPs generally include assessment, short-term counseling and referral services for employees and their household members for issues such as substance abuse, major life events, financial or legal concerns, family/personal relationship issues, and many others. We can find you a low-cost EAP that fits the needs of your agency and your staff.

Wellness Programs

Wellness programs encourage employees to take measures to lead lifestyles that are healthier. We can work with you to implement a wellness program that fits into your organization’s budget and meets the needs of your staff; from comprehensive weight loss, healthy eating and smoking cessation programs to monthly payroll stuffers.