We are the leading independent California Insurance Agency. Owned and operated by Larry Hurwitz, BenefitPackages has been providing California residents with health insurance solutions since 1987. We are a full-service health insurance agency representing major health insurance carriers in California.
We represent the following carriers: Anthem Blue Cross, Blue Shield of California, Health Net, Oscar, Molina, LA Care, Central Health Plan, Kaiser Permanente, Sharp, Western Health Advantage, Humana and UnitedHealthcare.
We focus on the following healthcare segments:
- Individual & Family Plans both on and off the exchange
- Senior Plans, including Medicare Supplements, Medicare Advantage Plans and Prescription Drug Plans
- Small group employer plans (defined as under 100 employees).
Which plan is right for you?
Under 65 Market: For an Individual & Family plan we must determine whether it makes sense for us to enroll you in the exchange or through the carrier directly. We can determine if you qualify for Advanced Premium Tax Credits (APTC’s) which will immediately lower your premium and help you avoid a tax liability.
Medicare Market: We will look at your budget to help determine if you should consider a Medicare Advantage Plan or Medicare Supplement. We can also help you qualify for free Part B Medical coverage and/or “Extra Help” that will lower your prescription drug cost copays. (Determined through income).
For both Medicare Plans and Under 65 Plans we will check to see if your doctors are participating providers and whether your prescriptions are included within the formulary of a particular carrier.
Employer Market: We will work with you and your staff to determine the best healthcare approach for your company. By looking at the doctors of your employees, we will see if we can offer an HMO or a Skinner PPO network. This allows for more benefits for less money. We can offer different PPO networks within your healthcare options. Let us provide your staff with worksheets to see what their payroll deductions will be based on with their choices. we will work with you and your staff to determine the best health care approach. Let us help you and your Human Resources department. Our company will serve as an extension of your Human Resources department by adding valued services to your company.
We believe in providing value added service. Whether you own and operate a company with a hundred employees or seeking an individual health insurance plan, we are here to provide you with a healthcare solution. Today’s healthcare environment is a maze with pitfalls, don’t get stuck. We will help you find a healthcare solution that will save you time, money, and stress. Larry Hurwitz is a second-generation insurance professional. He graduated from Occidental College in 1987 and from the Graduate College of Financial Planning of Denver in 1995.
Name: BenefitPackages.com Insurance Agency
License #: 0E36361
Located at: 23801 Calabasas Road, Suite #1002, Calabasas, CA 91302