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Employee benefits for San Diego businesses.
Group medical, dental, vision and life, built around what a company can sustain and what its people will actually use.
The plan has to survive contact with your payroll.
A benefits program that looks good in a spreadsheet and breaks the first month it meets real payroll is not a program, it is a proposal. Most of the work here is upstream of the quote: what the headcount actually does across a year, who is full time in practice rather than on paper, what the company can carry when a renewal comes back higher, and what employees will decline outright.
Carrier appointments are held directly, so the recommendation is not narrowed to whatever a single company happens to sell.
What a group program can include.
Any line below can be placed on its own. Most companies build up over a few renewals rather than all at once.
- Group medical. HMO, PPO and tiered network options, including the narrow network plans that make a premium survivable for a smaller employer.
- Dental and vision. Often the two lines employees value most per dollar the company spends, and the easiest place to add perceived value cheaply.
- Group life and AD&D. Employer paid basic cover, with voluntary supplemental amounts employees can elect for themselves and dependents.
- Short and long term disability. Income protection when someone is hurt away from the job, which is where most of these claims actually come from.
- Voluntary worksite lines. Accident, hospital and critical illness, employee funded, at no cost to the company. How worksite works.
- Enrollment and re-enrollment. Meetings run on your shift schedule, in language that does not require a benefits background to follow.
Appointed carriers.
Strategy Matters holds its own carrier appointments under organization license 0M97810. Appointments are a matter of public record and can be verified through the California Department of Insurance. The group medical and ancillary carriers currently appointed are listed below.
Medical
- Anthem Blue Cross Life and Health Insurance Company
- Blue Shield of California Life and Health Insurance Company
- Health Net Life Insurance Company
- Kaiser Permanente Insurance Company
- UnitedHealthcare Insurance Company
Life, disability and ancillary
- Standard Insurance Company
- Principal Life Insurance Company
- Reliance Standard Life Insurance Company
- Assurity Life Insurance Company
- National Guardian Life Insurance Company
Additional carriers are appointed under individual license 0G78983 for worksite, life and Medicare related business, including Aflac, Continental American, Transamerica, Allianz Life, Pacific Life, Protective Life and Pruco Life.
Renewal season, handled early.
The difference between a manageable renewal and a bad one is usually how many weeks of warning you had.
Before the renewal lands
- Current plan reviewed against what the census actually looks like now, not what it looked like at the last enrollment
- Market checked across appointed carriers rather than defaulting to the incumbent
- Contribution split modeled at more than one level so the company can see the trade before it has to make it
Through the plan year
- New hires and terminations handled as they happen, not batched until something breaks
- Claim and billing problems taken up with the carrier directly, by the same person who wrote the plan
- A call in October gets answered in October, which is the season this is really judged on
Bring the renewal date and the headcount.
That is genuinely enough to start a useful conversation. There is no intake form to fill in and no discovery call before the discovery call.