Santa Ana employers hire in a tight market and lose people over benefits. A group health plan is the usual answer, and a small company can carry one. We place group employee health benefits and nothing else. This page lays out the rules, the yearly rhythm, and the limits.
The entry bar in California
A small group can form around one eligible employee. That employee cannot be an owner or an owner's spouse. Some staff waive the plan because a spouse covers them already. Waivers are expected, and we record them for the carrier.
Four lines, and only four
What we can place for your company
- Group medical for your staff, and families if you allow it
- Group dental, from cleanings to major work
- Group vision for exams, lenses, and frames
- Voluntary plans each worker elects through payroll deduction
Anything outside that list is not ours. We do not write property, auto, liability, or workers compensation cover. We do not administer payroll, sell HR software, or set up retirement plans. Saying so early keeps the relationship honest.
The split is your decision. Carriers set a minimum share of the worker cost that the company must carry. Above that floor you choose how generous to be. The rest leaves each paycheck by payroll deduction.
A quick word on what a group health plan does not do. It does not cover your building, your vehicles, or an injury on the job. Those sit with other kinds of insurance entirely.
Networks, and where your people live
Staff who work in Santa Ana often live elsewhere in Orange County. Some commute from Tustin, Garden Grove, or Irvine. An HMO network is narrow and runs care through a primary doctor. A PPO network is broad, needs no referral, and costs the company more.
An EPO keeps a set network and skips the referral. We ask your key staff which doctors they see now. Then we hold those names against each network we are quoting. That is the single most useful hour in the whole process.
The yearly cycle
Renewal, start to finish
- 01
The renewal lands
The carrier sets new rates ahead of your plan year. Networks and drug lists can change too.
- 02
We go back to market
Your census goes out to the carriers we hold, every time.
- 03
We model both sides
You see the company cost and the worker payroll cost for each option.
- 04
You choose
Staying put is a real answer. If you move, we file everything.
Enrollment day
We lead a short meeting with your staff, on video or at your site. Each worker leaves with a summary, a form, and a deadline. We collect the forms and follow up on the ones that stall. You stay out of carrier portals.
Mid year events do not wait for the next enrollment. A new hire, a wedding, or a baby opens a window. Send us the detail and we file it. We work with employers from the 92701 and 92704 ZIP codes and the rest of the city.
Workers who reach 65
Employer size changes what that person should do, and a wrong step can cost them for life. Send them to Medicare in Santa Ana and loop us in.
Send these elsewhere
We do not give legal or tax advice. These questions have better homes than an insurance agency.
- Pay runs and deduction codes: your payroll provider.
- How the company share is taxed: your CPA.
- Contractor or employee: an employment attorney.
- Retirement plans: a financial advisor.
Call (714) 922-0043 or use the contact form and we will look at your roster. Our help costs your company nothing extra. You can get started or read your city page first.
Group health benefits options for Santa Ana residents
Why Santa Ana residents work with us
- Spanish-speaking agents on staff.
- Independent - we compare 12 carriers, not one.
- We work with you in English or Spanish, from the first call to enrollment.
- Same agent year-over-year - no call-center rotation.