Downey Group Health Insurance and Employee Benefit Plans

As an independent insurance agent, we work with the most reliable insurance providers around Downey and all over California. This makes it possible for to negotiate the overall price of your plan so that it doesn’t stress your company’s financial means. Our longstanding history has provided us with invaluable experience so that we can provide you with any information you need through our consulting and planning services.

Some plans you may have heard of include:

PPO- a plan that allows employees to choose what facilities and providers they go to for healthcare. If an employee chooses to use in-network providers it can save them money.

HMO- this plan includes going through a health maintenance organization to find healthcare providers and facilities. This plan is stricter than the PPO plan since employees will not have insurance coverage outside of the specified providers.

FSA- a flex spending account through the cafeteria plan of Section 125

HSA- a tax-free health savings account that lets employees take from it when health expense aren’t covered by the insurance they’re under.

Our brokers are able to customize your company’s plan however you see fit. Just consult with someone in our office at your earliest convenience and we’ll start reaching out to our network of insurance carriers to provide you with the best services.