
Employee Benefits Experts in California
30+ years of experience
760-688-4249

HR West Insurance Agency
Employee Benefits Experts in California
30+ years of experience as independent agents specializing in health insurance for
small business in California and Arizona, and their employees across the nation.
Employee Benefits Experts in California
Specializing in Health Insurance for Small Business
in California or Arizona.
Health Insurance • Dental • Vision • Life • Disability • HR Solutions • Tax Favored Plans

Provide what Businesses and Employees want!
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$0 Copay and $0 Deductible plans available
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Menu of Choices (from over 700 plans available)
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National networks (some with Mayo Clinic)
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Premium saving strategies
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Many well-known Insurance Companies
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Our Concierge-style Service
Request a no-cost consultation

Custom Design your Coverage
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Large networks of Dentists
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Implants
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Orthodontics
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High benefit maximums
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Freedom of Choice

Contact Lenses, Glasses and Eye Care
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National vision programs
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Well known carriers
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Quality benefits at a low premium

An important benefit
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Protect income during disability
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Covers normal maternity, too
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Very cost effective
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Protects Employees and Employers

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For Employees and Families
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Business Insurance, too - for Owners,
Key Person, Buy-Sell situations
Can be Payroll Deducted

Guidance and Aid for:
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Benefit Administration
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Simpler Enrollment
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Payroll Deductions, Automation and Integration
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Compliance with ACA, ERISA, DOL, COBRA, etc.
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Health and Wellness Plans
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Employee Communication in clear terms
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Our Concierge-style Service to you and your employees.
And more

IRS-allowed tax favored plans:
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Section 125 pre-tax plans
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FSA (Flexible Spending Accounts)
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HSA (Health Savings Accounts)
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HRA (Health Reimbursement Accounts)
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Level Funded, Fully insured, ASO, and Partially Self-Funded Insurance plans available
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Cost reduction strategies
What We Do for You
Free Unlimited Consultations
We will:
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Consult with you about your Company's unique needs.
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Show you solutions targeted to fit those needs.
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Discuss costs, and ways to lower it.
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Custom design and redesign as needed, for free.
Communication & Explanations
Insurance is complicated.
Communicating in simple, clear ways is key. From enrollment meetings to one-on-one conversations, we strive to have every employee understand and use their benefits.
Problem
Resolution
Ask us to assist!
Yes! We will help with issues like claims, billing, HR and Administration (like Payroll deductions and automation, COBRA laws, IRS & DOL rules, enrollment, etc.)
No extra fees. No obligation to purchase insurance.
If you decide to buy insurance, we receive a commission from the insurance company.
" 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

"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

"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

Expert Health Insurance & Employee Benefits for Businesses in California and Arizona,
and their employees located nationwide or global.
Independent Insurance Agents representing many top Insurance Companies.
We offer comprehensive employee benefits.




Over 30 years of experience
Knowledgeable advice can save you time and money
We are Employee Benefits Insurance experts in California

Phone: 760-688-4249
2888 Loker Avenue East , Suite 110
Carlsbad, CA 92010
Email: help@hrwia.com
website: hrwia.com
Big Business employee benefits
for Small Business
No business too big or too small.
Employee Benefits Experts in California
Located in Carlsbad, California,
just north of San Diego.
CA Insurance License: 0M66218
AZ License NPN: 7808466

Ann Heckathorne, Insurance Agent / Owner
30+ Years of Employee Benefits Experience
Serving Businesses headquartered in California or Arizona, and their employees located nationwide and global.