Helping Business Owners
navigate the health insurance marketplace and succeed.

Employee Benefits

OC Benefit Advisors is an independent employee benefits brokerage consulting firm headquartered in the heart of Orange County, California, with client relationships across the state. For more than 35 years we have partnered with small and mid-sized companies, helping manage the cost and implementation of their employee benefit programs. We offer customized employer solutions that focus on maximizing workforce potential by delivering cost-effective benefit plans and related services. By focusing our time and energy in employee benefits, we bring knowledge, experience and commitment to our clients.

As an agency with deep experience and knowledge, we make employee benefits simple, and we minimize surprises. Our consultative approach helps client partners and employees do more with their premium dollar. OC Benefit Advisors believe that the right benefits mix in the workplace has a direct impact on overall employee health, satisfaction and financial security for your most valuable asset, Human Capital!

Customized Recommendations to Fit Your Needs!

Our Broker advisors work with companies throughout the U.S. every day. We stay on top of current market trends, and strive to provide the most value at your budget needs. Rates are regulated and standardized, so quotes are the same from any broker or health exchange. So why seek OC Benefit Advisors for a quote? Experience and Personal Service!! We will meet and discuss what fits YOUR Company needs and budget. We will design a benefit package that brings you the most value for you and your employees.

Excellent Individual Dedicated Service Guaranteed!

Let us work for you by:

  • Advocating for you with the carrier: claims, terminations and billing issues
  • Delivering personal customer service and assistance with employer and employees questions and needs
  • Comparing plans and prices at time of enrollment and each renewal
  • Offering options for dental, vision, life, disability, critical illness and business portfolios
  • Providing onsite employee enrollment meetings
  • Assuring you that systems are in place to help you stay compliant with ERISA, HIPAA, ACA, and other laws and regulations
  • Providing free access to HR 360 for employer support from employee handbooks, employee forms and more.
  • Assisting in determining small business tax credit eligibility

Let us make this process simple and easy.  Contact us today: (714) 541-8338, or fill out our form below for more information!

Group Insurance Request

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Employee Communications

Proper communication and ensuring employees understand the best use of the group benefits programs are critical to ongoing employee satisfaction, recruiting and retention, loyalty and long- term productivity and wellness.  OC Benefit Advisors will work directly with you in developing a strategy that best suits your employee population.

An employer’s human resources department is generally responsible for much more than just HR. There are many employee issues that come through their office adding to the unending work load of new hires/terms, payroll, compliance, 401-k, staffing issues and of course benefits administration. The staff at OC Benefit Advisors understands the demands placed on the employer’s HR department and makes it a point to be there when you have questions, need assistance in fixing problems, enrollment, employees claims and just working hard every day to make your benefits plan run smoothly.

We currently offer a number of resources to educate and keep your employees informed of the current benefit offering and future anticipated changes.  We design, create and provide customized employee packets based on the employer’s needs.  OC Benefit Advisors can provide these resources not only in hard copy or electronic format but also translated into any language/dialect to meet your employee needs (as available).

HR 360 Tools

We offer employers free access to a powerful new HR Online system, which gives a comprehensive view of benefit and human resource information. This online system allows employers access to:

  • Thousands of pages of benefit and HR content from the latest in healthcare reform, state and federal employment laws, COBRA, OSHA safety, wellness programs, and more.
  • Over 600 downloadable forms, policies and model notices. Ie: HR Forms, Employee Handbooks, Required Posters
  • Easy step by step guide on the implementation of COBRA and FMLA
  • Recruitment and hiring sections with simple “Steps to Success” guides which help implement major HR functions such as interviewing, hiring, orientation, reviews, and terminations.

Let us make this process simple and easy.  Contact us today: (714) 541-8338

Legislative and Compliance

OC Benefit Advisors continually provides legislative updated and employer alerts on both state and federal levels to our client partners to keep them informed of the various compliance activities and/or any new legislation that may pertain to them.

OC Benefit Advisors has invested in our client partners by creating online portals to help assist our clients in ongoing education and self-service opportunities on important topics such as Health Care Reform.  While Health Care Reform makes health coverage available to millions of Americans, it creates significant administrative challenges for our client partners.  The legislation contains numerous legal and administrative compliance issues, which will require us to provide implementation strategies to maintain compliance.

Compliance

In addition to our regular updates and personalized assistance, we offer employee benefit plan compliance assistance, practical compliance advice for real-life benefits situations. We provide sample employee benefit notices and forms, model plan documents and summary plan descriptions. We offer the following:

  • Timely updates explaining recent legal changes effecting your benefit plans
  • "Wrap-around" plan document for ERISA compliance
  • Help with plan amendments and SPDs
  • How to complete 1095-C and 1094-C if unavailable from your payroll vendor
  • Access to an ERISA experts who can guide discussion regarding reform and other legal concerns

Let us make this process simple and easy.  Contact us today: (714) 541-8338

Individual Health

Health Care Reform has brought many changes to our healthcare system and there is a lot to consider when shopping for a quality health plan. We listen to you, what your health care needs are, and the budget you feel comfortable with. We compare hundreds of health plans from all major carriers, and personalize a quote to find the right plan so you can get the most of your coverage, at the best possible price.

Let us work for you by:

  • Helping you understand Medicare:
    • Enrolling in Medicare
    • Medicare Supplement Plans (Med Supp)
    • Medicare Advantage Plans (MAPD)
    • Medicare Prescription Drug Plans (PDP/Part D)
  • Comparing all individual health plans from Insurance Companies or Covered CA
  • Providing the best possible health plan option, regardless of your circumstances:
    • Part-time employee with no employer coverage
    • Young adults turning 26
    • Independent contractor
    • Self-Employed
    • In between jobs
    • Coming off COBRA
    • Child only coverage
    • Traveling/Study abroad
    • Short term plans
    • Special Open Enrollment Qualification
  • Answering all your questions and providing personalized assistance
  • Taking the time each year to reassess your plan, match to your current circumstances and ensure you stay ahead of market trends
  • Advocating and assisting with coverage, claims, and billing for you!
  • Assisting your needs in dental, life, disability, critical illness and other unexpected twists life throws your way
  • All Our Services Are No Cost To You!

Life Insurance and Retirement Planning

Don’t forget to take care of yourself and your family’s future financial needs. A few dollars set aside each month will guarantee future goals: college education, financial security to an unforeseen loss, and a secure retirement. Let our Broker Advisor evaluate your financial needs and design a proposal to fit your budget.

We'll help you evaluate the need for:

  • Term Life Insurance
  • Universal Life Insurance
  • Index Universal Life Insurance
  • Permanent Life Insurance
  • Index Annuities
  • Fixed Annuities

Let us make this process simple and easy.  Contact us today: (714) 541-8338, or fill out our form below for more information!

Individual Insurance Request

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Call us Today at ( 714 ) 541-8338 , or Contact us Below!