Group Medical & Dental Insurance
Independent, side-by-side quoting of group medical insurance and group dental insurance for California employers with 2 to 50+ employees.
Employee health insurance without the guesswork.
Group medical insurance in California is priced by carrier, region, and plan design, and those three variables move every year. As an independent brokerage in Clovis we pull quotes from every major carrier at once so you see real numbers instead of one company's pitch.
Pairing medical with group dental insurance in the same package is usually where employers gain the most goodwill per dollar. Dental is the benefit employees use every year, and adding it often costs less than a single medical plan tier change.
Which medical plan fits your team?
| Plan Type | Best For | Network | Trade-off |
|---|---|---|---|
| PPO | Teams that want open provider choice | Statewide + out-of-network | Higher premium, lowest friction |
| HMO | Budget-focused groups in one region | Assigned medical group | Lowest premium, referrals required |
| EPO | Middle ground for growing teams | In-network only, no referrals | Balanced cost and access |
| HSA-Qualified HDHP | Employees who want tax-free savings | PPO-style | Pairs with an HSA contribution |
Group dental options
Dental PPO
Broad dentist choice, 100% preventive coverage, and predictable annual maximums. The most requested group dental insurance in California.
Dental HMO
Copay-based plans with the lowest monthly cost, ideal when your team is concentrated in one service area.
Orthodontia Riders
Child and adult ortho add-ons that make family enrollment far more attractive during open enrollment.
Carriers we quote
Independent quoting
We are not captive to one carrier, so the recommendation follows your budget, not a sales quota.
Enrollment handled
On-site or electronic enrollment meetings, Spanish-language support, and ID card follow-up for every hire.
Year-round service
Claims advocacy, renewal negotiation, and compliance notices, all included at no extra cost.
Medical & dental FAQs
How many employees do we need for group medical insurance in California?
Two enrolled employees is enough to qualify for a small group plan in California. Owners who take W-2 wages can count toward that number.
How much does group dental insurance in California cost?
Most small group dental plans run roughly $22 to $48 per employee per month depending on PPO or HMO design, employer contribution, and how many dependents enroll. We quote exact rates by census.
Do we have to pay the full premium for employee health insurance in California?
No. Carriers generally require the employer to contribute at least 50% of the employee-only premium. Dependent coverage can be entirely employee-paid.
Can employees keep their own doctors?
With a PPO or EPO network we check each provider before you sign. We run a network match on your key doctors and dental offices during the quoting stage.
When can we start a plan?
Small group medical and dental coverage can begin on the first of almost any month. Complete paperwork roughly 15 days before your target start date.
Secure Your Legacy
Free consultation. Honest answers. Custom plans for groups of 2–50+ employees.