Benefits broker · Central Valley, CA
Health, dental, vision, life, disability, medical reimbursement, and flexible spending benefits your team will value
An independent, family-run brokerage for California employers. We compare plans from leading carriers, explain your options in plain English, and handle everything from quote to renewal, at no cost to you.
- years of combined experience
- 50+
- carriers compared for you
- 18
- broker fees to your business
- $0
We compare plans from 18 of California's leading carriers
Why work with a broker
We represent you, not any one insurance company.
Choosing group coverage means weighing premiums, networks, contribution rules, and compliance. An independent broker puts every option on the table and helps you pick the right one.
Start a no-cost quoteNo added cost
Carriers pay our commission, so you never pay us a fee. For small group plans, your premium is the same whether you buy through us or direct.
Side-by-side comparison
We shop multiple carriers at once and explain the trade-offs in plain language.
Compliance support
Help navigating ACA, COBRA/Cal-COBRA, and California-specific requirements.
Year-round service
Enrollment, claims questions, and renewals handled by one point of contact.
Coverage
A complete benefits package, from one point of contact.
Offer one line of coverage or build a full package. We'll help you decide what fits your budget and your team.
Group Health
Medical plans for small and mid-size businesses, including HMO, PPO, EPO, and HSA-qualified options.
The core benefit employees ask about first.
Who it's for
- CA small groups with 1–100 employees
- Employers competing to hire and retain
- Businesses with 50+ full-time equivalents
What it covers
- Doctor visits and preventive care
- Hospital stays, surgery, and emergencies
- Prescription drugs
- Maternity and mental health care
Group Dental
Preventive, basic, and major dental coverage to round out your employee benefits package.
A well-used benefit at a modest cost.
Who it's for
- Employers adding to a medical plan
- Families who need orthodontia for kids
- Voluntary, employee-paid options
What it covers
- Cleanings, exams, and X-rays
- Fillings, extractions, and root canals
- Crowns, bridges, and dentures
- Orthodontia for children
Group Vision
Affordable vision coverage for eye exams, frames, lenses, and contacts.
A low-cost benefit employees use every year.
Who it's for
- Employers rounding out health and dental
- Teams that spend long hours on screens
- Employer-paid or voluntary add-on
What it covers
- Routine eye exams with a small copay
- Eyeglass lenses
- Allowance toward frames
- Allowance toward contact lenses
Group Life
Term life and AD&D coverage that gives employees' families financial protection.
A safety net for employees' families.
Who it's for
- Employers seeking low-cost benefits
- Employees with dependents
- Workers hard to insure individually
What it covers
- Basic term life, flat or salary-based
- AD&D paid on top of the life benefit
- Supplemental life employees can buy
- Dependent life for a spouse or children
Group Disability
Short- and long-term disability plans that replace a portion of income when employees can't work.
Protects paychecks during illness or injury.
Who it's for
- Employers protecting employee income
- Higher earners beyond CA SDI limits
- Businesses building a full package
What it covers
- Short-term weekly income replacement
- Long-term monthly income replacement
- Illness, injury, and pregnancy
- Return-to-work support
Medical Expense Reimbursement Plan
An employer-funded plan that reimburses employees for out-of-pocket medical costs.
Pairs lower premiums with capped costs.
Who it's for
- Employers facing steep renewal increases
- Groups with low to moderate medical use
- Businesses wanting predictable premiums
What it covers
- Deductibles on the group medical plan
- Copays, depending on plan design
- Coinsurance, depending on plan design
- Other expenses the employer includes
Flexible Spending Account
A Flexible Spending Account lets employees set aside pre-tax pay for eligible expenses.
Pre-tax savings at little cost to employers.
Who it's for
- Employees with regular medical costs
- Working parents paying for child care
- Employers looking to cut payroll taxes
What it covers
- Deductibles, copays, and prescriptions
- Dental and vision expenses
- Dependent care for children under 13
- Limited-purpose FSA for HSA holders
Local and family-run
Real people who pick up the phone.
Aaron and Jennifer have lived in the Central Valley for more than 30 years and have more than 50 years of combined industry experience. When you call, you reach one of us directly. No call centers, and no middle-men.
Our storyFree, no-obligation quote
Let's find the right plan for your team.
Tell us about your group, or call us directly. Either way, you'll talk with a licensed agent who knows the local market.
What happens next
- We review your details and reach out to learn about your group.
- We gather quotes from multiple carriers and compare them side by side.
- You choose a plan with no pressure, and we handle enrollment.
Mon–Fri, 8:00 AM – 5:00 PM PT
Request a quote
Takes about two minutes.