• Small Business Insurance

    Small Business Insurance

    Navigating employee benefits options can be confusing and time consuming. We have a dedicated, energetic staff that acts as an extension of your organization's human resources department. Whether you need to do a defined contribution plan, purchase plans in an exchange, look at public programs for dependents, structure an HRA (health reimbursement arrangement) or plan traditional offerings, we have been doing all of them since before they became buzzwords.

    As an objective adviser, we custom design plans that work for you and your employees. Our plans strengthen our clients' recruiting and retention strategies, offering tangible benefits supported by effective communication. The result boosts the perceived value of your employee benefit programs, transforming them from a commodity into a competitive advantage.

  • Products/Partners

    Individual Insurance

    Individual health insurance rates are the SAME, regardless of where you purchase. There are 3 main quote engines online. However, the rates that you see are published (by whom?) and are exactly the same wherever you search for them. Since there is no such thing as finding a “cheaper” rate, you need an expert to guide you through and answer your questions.

    What is Cobra? Hippa? Do I qualify for healthy families(Caps here)? Do my children have access to a public program? Will I get accepted? Once exchanges are up and running will I qualify for a tax credit? Since 50% of all bankruptcies in the U.S. occur as a direct result of health expenses, don’t leave your selection and ongoing assistance to a faceless website that you found on Google. Our primary concern is to take care of you and your family.

  • Wellness

    Wellness

    70% of healthcare costs are preventable, yet we only invest 1% in prevention. Furthermore, companies that have a workforce health program in place have 20% higher revenue than companies that do not.

    We have assembled a team of experts and a set of tools that have been working with employers for decades and believe in health and wellness. Our value-based approach to benefit plan design has demonstrated that it can generate better health outcomes and lower direct and indirect health related costs.

  • Education

    Education

    Being an engaged consumer is critical. HSAs (health savings accounts) have been around since 2003; however, a recent Guardian study said less than 59% of Americans understand them. A recent California healthcare foundation(caps?) report showed as much as 1300% variance in costs from one provider to another.

    Arguably your greatest asset is your health and wellness. Being passive or uninformed about what you have, how to navigate the healthcare system and being provided with the tools to assist you can be detrimental to your long-term success. This is what we do all day, every day. We have been educating employers, individuals, legislators and business groups for years. We strive to stay in the know, constantly learning, and work hard at staying informed and engaged.