Featured Carriers:

aetna Aetna
Building on its 150-year heritage, Aetna is one of the nation’s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits through employers in all 50 states, with products and services targeted specifically to small, midsized, and large multi-site national companies. Aetna also offers a wide array of programs, services, and information that help minimize increases in employee benefits costs, while striving to provide easy access to cost-effective, high-quality health care.

anthem blue cross Anthem Blue Cross
Anthem Blue Cross has been serving the health care needs of California residents since 1937. Together with its branded affiliates, Anthem Blue Cross provides health care services to more than 6.8 million members. Offering a full continuum of product and coverage options, Anthem Blue Cross provides customers with unparalleled choice and flexibility in meeting their health plan needs. With its strong track record for innovation, Anthem Blue Cross focuses on progressive products and services designed to improve the health status of all Californians.

blue cross of california Blue Shield
The Blue Cross and Blue Shield Association (BCBSA) is a national federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield companies. For more than 70 years, the 39 Blue Cross and Blue Shield companies have provided millions of families with top-quality, affordable health insurance.  Represents the nation's oldest and largest family of health benefits companies. BCBS Brands are the most recognized in the health insurance industry.

california choice CaliforniaChoice®
CaliforniaChoice is a unique program that allows employers with 2 to 50 employees to set a monthly budget for employee health benefits and offers each of their employees the ability to choose from 5 health plans, 10 benefit plan designs, HSAs, Dental, Vision, Wellness including Chiropractic, and Group Term Life—all in one package with one consolidated monthly bill.
CIGNA HealthCare
CIGNA is one of the largest national providers of health care benefits and health services. Proudly underwritten by American Association for Quality Health Care (AAQHC), CIGNA’s broad portfolio of group medical and specialty health care products and services are all designed with your clients’ health care needs in mind—to provide quality service and reduce costs.
health net Health Net
Health Net is among the most respected health care companies in California, with an extensive network of more than 48,000 physicians, 750 physician group locations, and 4,600 pharmacies serving more than 2.5 million members. The company’s HMO, insured PPO, and government contracts subsidiaries provide health benefits to approximately 5.3 million individuals in 15 states through group, individual, Medicare, Medicaid, and TRICARE programs.
kaiser permanente Kaiser Permanente
Founded in 1945, Kaiser Permanente is the nation's largest nonprofit health plan, serving 8.7 million members, with headquarters in Oakland, California. It is made up of: Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals and their subsidiaries,
The Permanente Medical Groups an affiliation with Group Health Cooperative based in Seattle. At Kaiser Permanente, physicians are responsible for medical decisions. The Permanente Medical Groups, who provide care for Kaiser Permanente members, continuously develop and refine medical practices to help ensure that care is delivered in the most efficient and effective manner possible.

pacific care Pacificare
PacifiCare provides innovative health insurance coverage and a range of health and well ness plans for groups and individuals.
Sharp Health Plan
As a subsidiary of Sharp Health Care, Sharp Health Plan is backed by the largest provider of comprehensive health care services in San Diego. Because they are not-for-profit, more premium dollars go toward ensuring quality care for members. Sharp Health Plan offers a variety of coverage options combining affordability and flexibility, while providing high quality health care in a cost-effective and accessible manner. Sharp Health Plan has a 98% client retention rate and is the plan of choice for many San Diego residents receiving health coverage through one of several state-sponsored programs, such as AIM (Access for Infants and Mothers), Healthy Families and Healthy San Diego (Medi-Cal).
United Health Group
At UnitedHealthcare, we are committed to improving the health care system.
UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States. As a recognized leader in the health and well-being industry, we strive to Improve the quality and effectiveness of health care for all Americans,
Enhance access to health benefits, Create products and services that make health care more affordable, Use technology to make the health care system easier to navigate
Our family of companies delivers innovative products and services to approximately 70 million Americans. UnitedHealthcare's nationwide network includes 560,000 physicians (and other care professionals), 80,000 dentists and 4,800 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people.
delta dental Delta Dental
With more than 92% of California dentists and 143,000 dentist locations nationwide, Delta Dental offers the industry’s largest dental network. Delta’s contracts with dentists allow them to keep tight control over treatment costs and quality of care provided to enrollees, making their HMO, PPO, and traditional fee-for-service programs the best managed care values on the market. With their variety of plans and direct payments to dentists, 98% of Delta enrollees renew every year. In addition, CoPower provides a full range of administrative services for Delta Dental.

Golden West Dental & Vision
With over 25 years in the business, Golden West Dental & Vision has recruited the highest quality private practice dental offices in California to participate in their prepaid plans. Their bilingual member service teams are available to help with enrollment questions or provider selections. With a 24-hour turnaround, their claims department has been recognized by industry peers as being one of the most efficient in terms of speed and accuracy, and their network retention rates are consistently high year after year.
guardian Guardian
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. As of December 31, 2007, Guardian and its subsidiaries had $41.3 billion in assets (on a consolidated statutory basis). With close to 3,000 financial representatives and 80 agencies nationwide, Guardian and its subsidiaries protect individuals, small business owners, and their employees with life, disability, health, long-term care, and dental insurance products, and offer 401(k), annuities and other financial products and trust services. Specializing in the small to midsize business market, Guardian's Group business unit serves more than 120,000 employers, 6 million employees and their families.

humana dental Humana dental
Employers value dental plans not just as a highly popular benefit, but also as a way of improving employees' overall health. With HumanaDental, you can offer this in-demand benefit while maintaining flexibility in plans and funding arrangements.

Our status as a "top 10" dental insurance company with more than 2.8 million satisfied members encourages dentists to participate in our network, which includes more than 85,000 dentist locations nationwide.*

new dental choice New Dental Choice
As the only licensed discount plan in California First Dental Health offers you and your clients an affordable and flexible dental program: New Dental Choice. Designed specifically for individuals, families, small business and affinity groups, New Dental Choice eliminates the typical underwriting and participation hurdles to affordable dental plans. No group size limitations. No participation requirements. Employer paid or voluntary. New Dental Choice offers you the best of both worlds - quality service at an affordable price.
Premier Access
Premier Access, one of the largest PPO networks in California, offers a wide range of dental benefits with options to meet even the most challenging needs. Their Premier Choice Network (PCN) is available to members with minimal or no out-of-pocket expenses. They even offer pure indemnity products without any association with their provider network and provide self-insured products with all the services needed to administer any dental benefit arrangements. Their products are offered with a wide range of deductibles, co-payment levels, orthodontic options, and maximum annual dollar coverage. This flexibility provides the dental benefits solutions to meet your clients’ specific needs.

Principal Life Insurance Company
Principal Life Insurance Company (The Principal®) has over 120 years in the insurance business, over 55 years as a leader in employee benefits, and more than 120,000 group insurance, and retirement plan customers of all sizes. They are one of the largest employee benefit providers in the nation. Principal Life offers dental, life, vision, and disability insurance through LISI.

safeguard Safeguard dental
& vision

Founded in 1974, SafeGuard was one of the first companies to introduce the concept of managed care dental products. SafeGuard now provides HMO, PPO, ASO, and Scheduled Benefit dental plans, vision, and Employee Assistance Programs.
In the over 30 years that SafeGuard has been an industry leader, our membership has increased to 1.8 million and we are a key ancillary benefits provider to Fortune 500 companies, educational institutions, employee benefit trusts, and government agencies.
SafeGuard monitors and evaluates client needs, industry trends, and member expectations in order to stay responsive to our customers. By anticipating trends and adapting to our customers' needs, SafeGuard is able to deliver superior service and innovative products, achieving a high degree of customer satisfaction.

For nearly half a century, VSP has been a trusted advisor in eye care wellness benefits. As the nation’s largest provider of eye care coverage, more than one in 10 Americans is a VSP member. As a VSP member, your clients have access to the largest eye care doctor network and all plans provide a thorough eye examination. VSP was one of the first eye care health plans to use stringent National Committee for Quality Assurance guidelines to credential all VSP doctors. VSP’s doctor network is so comprehensive, that over 90 percent of members have access to a VSP doctor within 10 miles of work and home.
aflac Aflac
Aflac insurance complements your major medical insurance, to help you create a more attractive employee benefits package:
Our policies are designed to provide cash benefits to your employees if they become injured or sick.
Employees are paid directly (unless they choose otherwise), usually within four days, to help cover expenses such as rent and child care, and expenses not covered by major medical insurance such as copayments and deductibles.
With Aflac policies there are no deductibles, copayments, doctor networks or pre-authorization requirements.