Short cartoons. Plain answers.

HMO vs PPO

Medical · 1 min 50 sec

An HMO usually costs less and uses a primary doctor as the gatekeeper. A PPO costs more and lets people see specialists and out-of-network doctors without a referral.

Neither is automatically better. It depends on whether your people will stay in-network and how much premium the company can stand.

Level funding and reference-based pricing

Funding · three cartoons · 1:16 / 1:41 / 4:55

Fully insured: you pay a fixed premium. The carrier keeps the risk and any leftover.

Level funded: you still pay a set monthly amount. Unused claims money can come back. Stop-loss caps a bad year. Often a fit in the 25–200 employee range.

Reference-based pricing: the plan pays a benchmark (often a percentage of Medicare) instead of a PPO “discount” off a sticker price. Savings can be real. Employees need a clear story so a hospital bill does not land on your desk.

Open enrollment without the pile of paper

Operations · 2 min 54 sec

Start 60–90 days out. We load Ease. You send one email. Employees enroll on their phone. No paper packets. No extra open-enrollment fee from us.

Your job: announce the dates and remind people once. Our job: the site, the questions, the forms, the carrier submission.

401(k) and CalSavers

Retirement · 2:55 and 2:06

California employers with five or more employees who do not already sponsor a retirement plan must offer a plan or join CalSavers.

A 401(k) is usually the better long-term answer if you want matching, payroll sync, and real plan design. CalSavers is the state default if you do nothing.

What is a SHOP plan?

California small group · 1 min 10 sec

SHOP is the small-group marketplace. In California that runs through Covered California for Small Business. Same essential benefits as other ACA small-group plans. For some groups under 25 it is the path to the small-business tax credit.

You do not have to buy SHOP to offer group coverage. It is one shelf we shop, not the only shelf.

Ease: employees enroll themselves

Enrollment · 2 min 20 sec

Employees log in with email or phone. They pick medical, dental, life, and ancillary once. You see who is done.

This is how open enrollment stays off your desk.

Payroll and HR support

Services · 1:27 and 1:34

Payroll is optional and extra. Insurance clients get it at a lower rate. HR support is included for clients: forms, posters, ACA / COBRA / FMLA guides, job descriptions.

We are not your HR manager. We keep the library and the benefits running so you are not hunting posters in October.

Why offer a real package

About the work · 1:41 and 2:20

Group medical, dental, life, and ancillary. Paperless enrollment. Year-round service. Licensed in California, Arizona, and Utah. CA License #0C10932.