Employee Benefits

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 We specialize in Fully Funded Traditional Insurance Plans , Level Funded Insurance Plans,  and Cross Boarder Medical Plans including Simnsa and MediExcel.  All clients receive personalized Benefits brochure and the construction of custom enrollment portal and benefits administration website personalized with company logo and pictures. Federal COBRA and ACA Compliance packages are also provided. With a myriad selection of supplemental employee benefits including dental, vision, group life, group short- and long-term disability, critical illness, accident, and Norton/LifeLock ID Theft and Electronic Device Security will help your small group benefits look just like the largest corporations. 

Fully Funded, Traditional Insurance –  Are you getting the best value for your insurance investment?  

Since all insurance companies must file their rates with the Department of insurance, and we represent all the insurance companies, we always quote the market for you. By comparing the entire market to your current plan, you can verify your company plan is the most cost effective on the market or you can discover more favorable options. Our job is to make sure you have this information.

Level Funded Insurance Plans – Pay lower premiums, and redirect Carriers profit back to you

How would like to receive an actual REBATE on the insurance premiums you pay every year? Most employers pay substantial medical premiums and don’t receive the business tools needed to measure and calculate the return on their insurance investment. Beyond the actual insurance benefits, our clients receive tangible, measurable, returns on those insurance dollars. Exploring Level-Funding options that save on average, 10-30% on their medical premiums is another tangible way we deliver measurable results to your company.

Cross Boarder Medical Plans – When employees prefer to receive health coverage in Mexico

Cross Boarder Plans like Simnsa and MediExcel provides employers and employees with a very affordable and culturally sensitive across-the-border health plan option that is licensed by the California Department of Managed Health Care. Cross Boarder Plans requires that routine services must be received in Mexico while emergency and urgent care services are covered anywhere in the U.S. & World. Medical centers are located in Tijuana, Mexicali and Tecate. Cross Boarder Plans like all insurance companies are subject to Health Care Reform mandates including no copays for an extensive list of preventive care services.

Ancillary Benefits - Make your Benefits Program look just like the Big Corporations - 

Representing companies like Met Life dental, VSP vision, Guardian Life and Disability, Aflac, Norton/ LifeLock and many others will allow your company to choose from the same stacked menu of Benefits that big corporations have access to. Best of all, these benefits can be Voluntary.

Executive Benefits – Reward Valuable Employees

Executive benefits enable your organization to selectively provide rewards and incentives to your key employees and executives. Executive benefit plans typically focus on protecting executives and their families against death or disability while employed, and on providing sufficient levels of retirement income. Executive benefits can help companies compete and attract key executives who will contribute to company growth and profitability. A well-designed executive benefit program can provide incentives that help retain key executives for the longest possible time.

Examples are enhanced long term disability plans, additional life insurance, Key Man insurance, Buy-Sell Insurance, deferred compensation,