top of page
HR West Insurance Agency Employee Benefits Experts.jpg

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

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

Provide what Businesses and Employees want!  

  • $0 Copay and $0 Deductible plans available

  • Menu of Choices (from over 700 plans available)

  • National networks (some with Mayo Clinic)

  • Premium saving strategies

  • Many well-known Insurance Companies

  • Our Concierge-style Service 

Request a no-cost consultation

DENTAL AdobeStock_760921393_edited_edite

Custom Design your Coverage

  • Large networks of Dentists

  • Implants 

  • Orthodontics

  • High benefit maximums

  • Freedom of Choice

Ask for more info and quotes

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

Contact Lenses, Glasses and Eye Care

  • National vision programs

  • Well known carriers

  • Quality benefits at a low premium

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

An important benefit

  • Protect income during disability

  • Covers normal maternity, too

  • Very cost effective

  • Protects Employees and Employers 

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits
  • For Employees and Families

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

     

Can be Payroll Deducted

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

Guidance and Aid for:

  • Benefit Administration

  • Simpler Enrollment 

  • Payroll Deductions, Automation and Integration 

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

  • Health and Wellness Plans

  • Employee Communication in clear terms

  • Our Concierge-style Service to you and your employees.  

And more

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

IRS-allowed tax favored plans:

  • 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 Insurance plans available

  • Cost reduction strategies

Ask us to explain, in clear terms!

Plans
Services
What We Do for You

Free Unlimited Consultations

We will:

  • Consult with you about your Company's unique needs.
     

  • Show you solutions targeted to fit those needs.
     

  • Discuss costs, and ways to lower  it.
     

  • 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.

Reviews

" 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

Free Consultations

Please complete the form or

Call 760-688-4249.

How can we help you?
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.

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits
health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits
health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits
Carriers
Accounting Tasks

Over 30 years of experience

Knowledgeable advice can save you time and money

We are Employee Benefits Insurance experts in California

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

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

health insurance for small business california, ca short term disability, ca disability, employee benefits, Employee Benefits

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.

Contact

Send us a message.

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. 

 © 2024 - hrwia.com and azhis.com

bottom of page