Each year, California businesses feel helpeless in the face of skyrocketing healthcare costs and daunting regulations. Our clients wouldn’t even know it. For over 30 years, we have helped businesses bend the cost curve while offering stellar benefits. Our average client saves $1,800 per employee per year. So a group with 100 employees saves $180,000 per year.

How Do You Lower Costs?

Often, businesses are not aware that there are more affordable options out there. We will hunt for the best medical, dental, and vision plans using a cost-benefit analysis. We will also discuss all options, including FSA’s, Section 125 Cafeteria plans.

If your company meets certain thresholds, it is especially cost-effective to be self-insured. Why?

Most employers are “Fully Insured”, they get their plans straight from the carriers. They’re simple, but buried in those steep monthly premiums are marketing expenses, taxes, and carrier profits.

Self-insured means your company takes the traditional place of the insurance carrier. You pay for all claims up to a fixed stop-loss amount, and a reputable carrier picks up the rest. You can customize plans to your employees’ needs and controlling costs from the inside out. You can also add in additional benefits like health incentives and wellness programs.

How Will We Control Costs?

We have an exclusive network of hundreds of discounted hospitals and providers in multiple states, and a database of low-cost alternative medications. From these, we can aggressively reduce your expenses.

In our initial consult, we will determine if the self-insured course is right for you. If not, we will still save you tens of thousands of dollars. We’ll also ensure your key employees are treated like gold with zero out-of-pocket plan with services like LASIK surgery, dental implants, and more.

What About Dental, Vision, and Life?

On Dental and Vision Insurance, we can save the average employer 10-20% per year. We are experts at bargaining with carriers and offer competitive quotes on Life, Short and Long Term Disability, and AD&D.

Do You Help with Compliance?

Compliance is getting more difficult every single year. Navigating the waters of the Patient Protection and Affordable Care Act (or the ACA) and ERISA can be daunting. We’ve been doing it for years, and we are well prepared for compliance…without the headaches.