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HR West Insurance Agency

Your Employee Benefits Specialists

Health Insurance • Dental • Vision
Life • Disability 
HR Solutions • Tax Favored Plans

30+ years experience as independent Agents

Caring for your employees...

Benefits you deserve, freedom of choice, quality, and cost control

Happy employees like health insurance

Over 700 Group plans available 

  • Quality PPO and HMO plans

  • Menu of Choices for employees

  • National PPO networks (some with Mayo Clinic)

  • Premium saving strategies

  • ACA-compliant in every way

  • HSA and HRA qualified plans

  • Many well-known Insurance Companies

  • All are ACA compliant

Request a no-cost consultation

Braces for children

Nationally recognized Dental plans

  • Large networks of Dentists

  • Implants 

  • Orthodontics

  • High (or unlimited) benefits

  • Freedom of Choice

Ask for more info and quotes

Glasses and Contacts Insurance

Protect your eyes

  • National vision programs

  • Well known carriers

  • Quality benefits at a low premium

Employees protected in case of disability

Short and Long Term Disability Insurance

  • Very cost effective

  • Covers normal maternity, too

  • Advantages for the employee and employer

  • Eliminates requests for loans or advances during disability

  • Private and Business Disability plans  

Family members free from worry about Life Insurance
  • For Employees, Spouses, and Children

  • Employer or Employee paid

  • Low Premiums

  • Business Insurance - for Owners,
    Key Person, Buy-Sell situations

HR Team considering projects

Guidance and Resources for:

  • Benefit Administration 

  • Compliance with ACA, ERISA, DOL, COBRA, etc.

  • Health and Wellness Plans

  • Technology Solutions

  • Employee Communication

  • Onboarding and Enrollments

And more

Executives reviewing Cost Controls for Insurance

IRS-allowed tax favored plans that benefit the employer and employee:

  • Section 125 pre-tax plans

  • FSA (Flexible Spending Accounts)

  • HSA (Health Savings Accounts)

  • HRA (Health Reimbursement Accounts)

  • Level Funded, Fully insured, ASO, and Partially Self-Funded plans available

  • Cost reduction strategies

Ask us how

PLANS
Carriers

Independent Agents

Representing many insurance Companies

Independent Agents representing many carriers
Top Insurance Carriers
Major Insurance Companies represented by Independent Agent

and more

What We Do

" I always appreciate your detail, explanations, and kind words. 

You did so great at explaining this to me and helping me along the way. 

Thank you, Thank you! "

K.Z., large group operations manager

Customer Service

"Thank you for helping us find a way to get better insurance.  I couldn't have done this on my own.  You made it all so easy! "

N. E., small business owner

Sales & Consultation

"I was at wits end about what to do, until you stepped in and called the insurance company for us.  It is all straightened out now, and I can't thank you enough."

G. W., group benefit administrator

Problem Resolution

No cost to you (the insurers pay us a commission)

Services

Over 30 years of experience

We specialize in Employee Benefits

Privacy - We hate being spammed, and we assume you hate it too!  Simply unsubscribe if you want no contact.  We don't sell your data and we don't do high-pressure sales.  If you give us private health or identifying information in the course of normal business, we protect that information under HIPAA laws.  
Notice - This website is intended to provide a general description of insurance plans.  For a full description of all benefits, limitations and exclusions, refer to each contract.  We will gladly supply those documents and help you understand them. 

Free Consultation

Please complete the form or

Call 760-688-4249.

How can we help you?

Phone:  760-688-4249

2888 Loker Avenue East , Suite 110

Carlsbad, CA 92010

Email:  help@hrwia.com

website: hrwia.com

No business too big or too small.

Independent Insurance Agency,

specializing in Employee Benefits,

and associated HR solutions.

Located in Carlsbad, California, 

just north of San Diego.

CA License:  0M66218

AZ License NPN:  7808466

Ann Heckathorne, Agent / Owner

30+ Years of Experience

Serving Businesses headquartered in California or Arizona, and their employees located nationwide and global.

Contact
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