Our Carriers

Medical

HMO, PPO, EPO, and HDHP plans from all major California carriers. We also place groups in AZ, FL, GA, IL, NC, NV, NY, OH, OK, PA, TN, and TX.

Aetna

PPO, HMO, and HDHP plans with a broad national network. Now part of CVS Health.

Medical

Anthem Blue Cross

Broad PPO and HMO networks across California. One of the largest carriers in the state with strong out-of-area coverage.

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Medical

Blue Shield of California

PPO, HMO, and Trio HMO plans. Strong physician networks in Northern and Southern California.

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Medical

California Choice

Multi-carrier platform for small groups. Employees choose from plans across Anthem, Blue Shield, Health Net, Kaiser, and others — all on one bill.

Medical

Cigna Healthcare

PPO and HMO plans with strong behavioral health and wellness programs. Good multi-state coverage.

Medical

Covered California for Small Business

The state marketplace for small groups (1–100). Employees choose their own plan; employer sets a contribution level. Access to Anthem, BSCA, Kaiser, Health Net, and others.

Medical

Health Net

HMO and PPO plans focused on California. Competitive rates in many regions, especially for small groups.

Medical

Kaiser Permanente

Integrated HMO model with in-house physicians and hospitals. Typically the most competitively priced option in California.

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Medical

Sutter Health Plus

Regional HMO centered around the Sutter Health system in Northern California. Excellent for Sacramento, Bay Area, and Central Valley employers.

Medical

UnitedHealthcare

National PPO and HMO networks. Strong option for employers with employees in multiple states.

Medical

Western Health Advantage

Regional HMO serving Northern California. Often the most affordable option in Sacramento and surrounding counties.

Medical

Dental & Vision

Standalone and bundled plans. Many of these carriers also offer life and disability — noted with badges below.

Beam

Modern dental and vision carrier with a simple digital enrollment experience. Competitive small group rates.

DentalVision

Choice Builder

Multi-carrier dental and vision platform. Employers pick a contribution level; employees choose from plans across multiple carriers.

DentalVision

Delta Dental

The largest dental-specific carrier in California. PPO and HMO plans. Most dentists in the state accept Delta.

Dental

Guardian

One of the largest dental carriers nationally. PPO and DHMO plans with extensive provider networks.

DentalVisionLifeDisability

Humana

Dental PPO and DHMO plans with broad national networks. Strong preventive care benefits and competitive group rates.

DentalVision

MetLife

Broad dental PPO network (PDP Plus). Widely accepted — often the easiest network for employees to use.

DentalVisionLifeDisability

Principal

Dental PPO and vision plans with strong small group options. Competitive rates and easy administration.

DentalVisionLifeDisability

Renaissance Dental

Dental PPO plans with competitive rates, especially for small groups. National network access.

Dental

UNUM

Dental and vision plans alongside their core life and disability offerings. Convenient bundling for groups wanting one carrier for ancillary lines.

DentalVision

EyeMed

Vision plans with access to major retail chains (LensCrafters, Target Optical, Pearle Vision) plus independent providers.

Vision

VSP

The largest vision carrier in the US. Accepted by most independent optometrists and optical shops.

Vision

Life, AD&D & Disability

Group term life, accidental death & dismemberment, short-term disability, and long-term disability coverage.

Beam Benefits

Digital-first group life and disability coverage with streamlined enrollment and competitive small group rates.

LifeDisability

Guardian Life

Group term life, AD&D, and disability coverage with strong claims service. One of the largest life and disability carriers nationally.

LifeDisability

Humana

Group life, AD&D, and disability plans with integrated wellness programs and voluntary benefit options.

LifeDisability

Lincoln Financial

Group life, AD&D, short-term and long-term disability. Strong claims service and competitive rates for groups of all sizes.

LifeDisability

MetLife

One of the largest group life and disability carriers. Broad product suite with strong voluntary options.

LifeDisability

Mutual of Omaha

Life, AD&D, and disability coverage. Long track record with small and mid-size employers.

LifeDisability

Principal

Group life, AD&D, and disability with strong small group expertise. Competitive rates and easy administration.

LifeDisability

The Hartford

Life, AD&D, and disability coverage with integrated absence management. Good option for employers wanting bundled coverage.

LifeDisability

UNUM

Leading disability carrier with group life, AD&D, STD, and LTD coverage. Strong leave management and voluntary options.

LifeDisability

Medicare

Medicare Supplement (Medigap), Medicare Advantage, and Part D prescription drug plans. We help individuals navigate the options at no cost.

Aetna

Medicare Advantage and Part D plans. Growing presence in California with competitive premiums.

Medicare

Anthem Blue Cross

Medicare Supplement (Medigap) and Medicare Advantage plans. Strong PPO Advantage options in California.

Medicare

Blue Shield of California

Medicare Supplement and Medicare Advantage HMO plans with access to Blue Shield physician networks.

Medicare

Health Net

Medicare Advantage HMO and PPO plans in California. Competitive premiums with broad regional coverage.

Medicare

Humana

Medicare Advantage, Supplement, and Part D plans. One of the largest Medicare carriers nationally with strong prescription drug coverage.

Medicare

SCAN Health Plan

California-based Medicare Advantage and Part D plans. Nonprofit carrier with a strong reputation for member satisfaction.

Medicare

UnitedHealthcare / AARP

The largest Medicare Supplement and Advantage carrier nationally. AARP-branded Medigap plans and extensive Advantage network.

Medicare

WellCare / Health Net

Medicare Part D prescription drug plans. Now part of Centene, offering affordable standalone drug coverage across California.

Medicare

Voluntary Benefits

Employee-paid supplemental coverage. These plans pay cash benefits directly to the employee — no impact on employer costs.

Aflac

The leading voluntary benefits carrier. Accident, critical illness, hospital indemnity, and short-term disability plans paid directly to the employee.

Voluntary

Colonial Life

Employee-paid voluntary benefits including accident, critical illness, hospital confinement, and life insurance. Strong enrollment support and payroll integration.

Voluntary

Medical

Aetna

Anthem Blue Cross

Blue Shield of California

California Choice

Cigna Healthcare

Covered California for Small Business

Health Net

Kaiser Permanente

Sutter Health Plus

UnitedHealthcare

Western Health Advantage

Dental & Vision

Beam

Choice Builder

Delta Dental

Guardian

Humana

MetLife

Principal

Renaissance Dental

UNUM

EyeMed

VSP

Life, AD&D & Disability

Beam Benefits

Guardian Life

Humana

Lincoln Financial

MetLife

Mutual of Omaha

Principal

The Hartford

UNUM

Medicare

Aetna

Anthem Blue Cross

Blue Shield of California

Health Net

Humana

SCAN Health Plan

UnitedHealthcare / AARP

WellCare / Health Net

Voluntary Benefits

Aflac

Colonial Life

Ready to see your options?