Why Use a Small Group Health Insurance Broker / Employee-Benefits Adviser in Los Angeles?

Benefits Cafe is in its second generation facilitating small-group health insurance in California

That’s why it makes sense to use a health insurance broker, or more accurately, an “employee benefits adviser” like Benefits Cafe. We’re very experienced with the needs of small and medium sized businesses and we have great knowledge of the market for health insurance. Our role has transitioned into an adviser, rather than just a broker who merely sells a product. That’s why we use the term “broker/benefits adviser” in this article. Given the complexity of employee benefits, you need expert advice.

Range of insurance options

We offer your business many insurance options, not just a single insurance company’s plans.

Requirements, options, budget and employee benefit advice

We help you:

• Understand the legal requirements of establishing a group health plan;
• Examine the plan options, rates and provider networks for all of the insurance companies that offer coverage in California;
• Select a plan that meets your budget;
• Explain the benefits to your employees and enroll them in the plan.

You get all of our services for no additional cost.

Under California law, you pay no more to use a broker/benefits adviser than you would if you went directly to an insurance company (since insurance companies pay brokers/benefits adviser a percentage of the monthly price — and the price is fixed by law). You pay the exact same rate for small group health insurance regardless of the broker/benefits adviser you use. We compete based on our expertise and level of service.

Expert advice at no extra cost

Particularly with the recent changes due to Obamacare and the Covered California health insurance exchange, it makes sense to use a Los Angeles health insurance broker/benefits adviser like Benefits Cafe. Businesses need expert help to understand their options, and we have that expertise.

Since 1970, Benefits Cafe has helped businesses throughout California with their small group health insurance needs. Our clients receive an especially high level of personalized service. We consult with small- to medium-sized businesses from the San Diego to Sacramento, San Francisco to Riverside, and in Los Angeles.

Easy face-to-face consultation anywhere via Video Conferencing

Benefits Cafe is based in Montebello, which is 10 minutes east of downtown L.A., but we’re accessible anywhere in the world, especially for businesses in California. We provide our clients with expert service. Here’s what you can expect:

In-person, enrollment and rollout, ongoing support

1. In-person meetings: If you need in-person meetings, we can come to your office and help you, your HR person and key decision-makers understand the different health insurance plans available to your business. We’ll explain the technical requirements of group health insurance, such as the “employer contribution” and “employee participation,” in an easy-to-understand way, and we’ll also help you choose the best plans for your employees.
2. Help with enrollment and rollout: We can present insurance plans to your employees and help with enrollment. As your broker/benefits adviser, Benefits Cafe will be there to expertly answer any questions employees may have to make the transition a smooth one.
3. Ongoing support: Pick up the phone, or email and contact Benefits Cafe, your dedicated expert broker/benefits adviser, with any questions that may arise — without having to wait on hold for hours trying to reach someone at an insurance company. Whether you need help getting a claim approved by an insurance company, enrolling a new employee or something else, we’re here to support you, our small group client.

Employee health insurance is what Benefits Cafe does so you don’t have to be an expert

The staff at Benefits Cafe focus exclusively on employee benefits and health insurance. Using a broker/benefits advisor means you don’t need to be an expert. Contact Benefits Cafe to get expert advice on the best small group health insurance plan for your company — and reliable, in-person service within the L.A. area.