California Well Being Insurance Agency has been advocate for our clients for the past 25 years. Our established position has given us key relationships with the following carriers.

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California Well Being Insurance Agency (CWBIA) specializes in health insurance for groups and individuals. There is too much information constantly changing to take chances with your health concerns. Your health is our number 1 priority. This means we help identify great plans to help maximize your dollar for your health needs. We help employers find plans that provide coverage for their employees while keeping the doors open for business. Service is how we keep the burden of managing these benefits from becoming overwhelming. Below is a list of services that we dedicate ourselves to.  

California Well Being Insurance Agency (CWBIA) is dedicated to helping you through any insurance issue. All of our veteran staff has been problem solving for at least 12 years. Jerry has been helping clients for over 27 years! We understand that the only difference between us and another broker is how well we can get you through your day. For small groups and individuals the prices are the same, no matter what broker quotes you!! Keeping you focused on making money for your business is our business.

Below is a list of services that we do automatically for you through this website and we provide over the phone hustle. You will never have to call the insurance carrier directly and get the hold music. CWB is one point of contact with the same person. This means we don’t use a service to help you…its us every time. California Well Being Insurance Agency’s continuity and communication will get you through any issue. We have also aligned ourself with strategic partners to provide more services to you outside of inusrance. We see you as more than insurance policy and provide as much as we can.

List of Services California Well Being Insurance Agency (CWBIA) Provides:

• Free HR Benefits Audit!! This take a complete look at your needs from employee hand book to vision insurance, to long term care. 
• Add/Subtract Employees including Cobra Administration (20 or more employees). Cobra administration benefits are subject to case by case review
• Change employee address, names, add or subtract dependents. This is done through us with the same agent!
• Re-order lost cards and doctor office appointment issues
• Claims assistance, verify coverage benefits, conference call with doctors, pharmacies, and insurance companies to ensure that you are getting what you pay for.
• Help newly eligible employee make informed insurance decisions
• Track, verify, and communicate all transactions with insurance carrier. This is done through fax, email, and our website.
• Basic HR Consulting with Diversified Resource Group (DRG) with live interaction and a database of all HR required forms. Live over the phone HR advice you can trust.
• Renewal plan comparison with open enrollment administration assistance

In addition we have aligned ourselves with great companies that have the same philosophy of providing the best service to the client through specialization in one particular aspect of business. This list of companies keeps each other in constant check and balances. Our reputation is established by the great service we provide you and to the other companies that refer you. It’s a reputation built on respect and long lasting collective goals which ends in good business. Take a look at our list of companies that are trusted by us and has helped our clients immeasurably. (Put Link here to Partners Page)

California Well Being Insurance Agency (CWB) helps companies find the right benefits for a budget you can manage. CWB has extensive knowledge and the right relationships with all carriers to sort through multiple plans and provide accurate comparisons. This market is very dynamic and HMOs and PPOs aren’t what they used to be. HMO and PPO plans are just a start. There have been some new types of plans being offered in the group market. Ask us about Health Reimbursement Accounts (HRA) and Health Savings Accounts (HSA). These types of plans will provide additional tax and retirement benefits to your employees.

Choosing a plan is just the beginning. As employers there so many other steps that need to done to keep your employees’ status up to date and accurate. We are here to provide these services at no cost to you! A business runs smooth because the right people are doing things automatically. Below is list of services we do automatically.

Group health insurance is guaranteed issue as long as you satisfy the carriers company underwriting guidelines. The carrier’s approval is based on the validity of your company, not the health of you or your employees. Take a look at the latest underwriting guidelines of the various carriers and you will see that they are concerned with only a few things. The list below are all questions that will be asked to qualify your business.

• How long have you been in business in California? Are you a start up?
• What type of business are you ie S-corp, C-Corp, Sole Prop, Partnership?
• Do you currently have health insurance? If so who provide last month’s bill and benefits? Anniversary date?
• Name, Date of Birth, and zip code of all employees
• How many employees do you have, including owners, full time employees (30hrs/week) and part time (20-30 hrs/week) W-2s. This is necessary to make sure all elligible employees can get insurance. Some carriers will cover 1099 employees. Ask us how! (Elligiblity is determined by Employee Handbook)
• Do you carry workers comp?
• Requirements to verify companies validity are: Last quarter’s DE-6 or Quarterly Wage Report (QWR); Business License; Statement of Informtation ( SOI )
• What insurance carrier and plan do you have now? Monthly Premium?
• What would change about your current coverage?
• Do you spend time talking directly with the insurance carriers, employee add/terminations, dependent changes?
• INCLUDE A LINK TO ALL UNDERWRITTING GUIDLINES FOR ALL CARRIERS HER. I DONT KNOW HOW TO DO THIS?

What is the number 1 reason you are in business, besides you like or love what you do? Its MONEY!!! Show me the money!! Every business decision you make determines how long you will keep it. Health insurance is a big cost with little tangible return. You can’t make coffee with it, you cant build a house with it. So what is health insurance good for besides loosing premium dollars? Answer is employees…. Employees that get back to work quicker and know that they are important to you. The first step to keeping valuable employees is to insure their families are taken care of. Insurance should be peace of mind, not a piece of your brain. One tangible thing about health insurance is the premium dollars that you spend are also a tax right off.

Unfortunately “in this economy” many people are trying to find individual family coverage because they cant afford COBRA. California Well Being Insurance Agency (CWBIA) can help find other plans that are comparable to what you had on group insurance. We can work together by reviewing your medical conditions, budget, and life timeline to figure out when you should come off COBRA. COBRA is actually your previous company’s plan, but now you are paying 100% of the actual insurance plan. The minimum your previous employer paid was 50% of the insurance premium. So you may be getting a 50% increase in premium by going on COBRA. There is a little hope for 9 months after you elect COBRA or Cal-Cobra. You only will have to pay 35% of your COBRA premium if you were let go between Sept 08 and Dec 09. For more information ask us and click on the following link. There are a few options on how to keep your guartaneed issue insurance please see our FAQ section for answers to few common quesitons.

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Individuals seeking health insurance have a tough road ahead of them. From your medical past to your current budget there are so many reasons not to get insurance, except when you need it. It may be difficult for you to put a budget number to your health issue gamble. Hospital and doctors find it easy. An average night in the hospital will cost $9,000 and most doctors will charge at least $100 per visit. The perscriptions can add up quick. Most people are concerned with the catastrophic health issues, but all the little ones along the way will hurt the pocket book.

California Well Being Insurance Agency (CWBIA) provides a quoting engine that shows all the plans from the various health insurance carriers. You can attempt to find the right plans with something close to your budget by yourself or have CWBIA agent walk you through the exact benefits. All of our agents have at least 15 years of experience in this market. You will speak with the same person throughout the quoting and application process. Typically when some is looking for insurance they are concerned about one particular health issue. Ask us how this may affect your application. The current application processing time will take at least 7-10 buiness days from all carriers. There are typically multiple rounds of underwriting reviews and we will be there with you along the way. From assisting in doctor records acquistion, verifying application completeness, to application status, we are there for you. How can we help?

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