Business Details
42 Years
experience
Your Trusted Health Insurance Partner in California
Benefits Store has been a trusted Health Care Insurance Brokerage and Third Party Administrator (TPA) since 1984, specializing in tailored health insurance solutions for California residents. We offer comprehensive coverage options including Medical, Dental, Vision, Life, and specialty protections like Legal Shield and ID Shield. Our dual role as a licensed TPA and insurance broker enables us to serve Real Estate Professionals, Associations, and individuals with 'Guaranteed Issue' plans that welcome all applicants regardless of health history. With decades of experience, we navigate complex insurance landscapes to deliver affordable group and individual plans, including Kaiser and Anthem Blue Cross options.Our team of certified Covered CA brokers simplifies enrollment in Californias Health Exchange, while our educational resources and personalized support ensure clients make informed decisions. We prioritize transparency, ethical practices, and client-centric service, maintaining partnerships with leading insurers to provide access to high-quality care networks. Our commitment to innovation is reflected in our use of digital platforms for seamless enrollment and our dedication to keeping clients informed through monthly newsletters and real-time market updates.
Services
Individual Health Plans
Family Coverage
Medicare Solutions
Dental Insurance
Vision Plans
Life Insurance
Employer Group Plans
Covered CA Enrollment
Details
- Year established: 1984
Highlights and features
- We offer over 40 years of experience serving California Real Estate Professionals with specialized insurance solutions.
- Our team includes certified Covered CA brokers to simplify enrollment in Californias Health Exchange.
- We provide 'Guaranteed Issue' plans with no health history restrictions through Kaiser and Anthem networks.
- Our proprietary plan comparison tools help employers and individuals save on group and individual coverage.
- We deliver personalized support with dedicated account management and 24/7 client communication channels.
What people say
Peace of mind
Great assistance
Sincere staff
Quick resolution
Educational resources
Services
Individual Health Plans
Our individual health plans provide personalized coverage for self-employed professionals and individuals between jobs. We offer access to over 50 plan options with flexible premiums and deductible tiers. Clients benefit from 24/7 telemedicine services and preventive care coverage at no additional cost.
Employer Group Plans
Employer group plans deliver cost-effective health benefits for businesses with 2-100 employees. We partner with Quotit and other platforms for streamlined enrollment and offer Private Exchange options for mixed W-2/1099 workforces. Our advisors help businesses compare 60+ Anthem and 20+ Kaiser plan options.
Covered CA Enrollment
Covered CA enrollment assistance ensures proper navigation of Californias Health Exchange. Our certified brokers help individuals and families qualify for subsidies and select optimal plans. We provide subsidy calculators and educational resources to simplify complex enrollment requirements.
Dental Insurance
Dental insurance plans include DHMO and PPO options with preventive care coverage. We offer no-deductible plans with low copays for routine checkups and access to both in-network and out-of-network providers. Our educational resources explain plan differences to help clients make informed decisions.
Life Insurance
Life insurance solutions include term and permanent policies with living benefit riders. We provide cost transparency based on age and health factors, with options for guaranteed issue coverage. Our advisors help clients determine appropriate coverage amounts based on income replacement needs.
People
Roger Smith
President
Roger Smith leads Benefits Store with over 35 years of experience in health insurance brokerage and TPA services. He specializes in creating customized benefit solutions for California Real Estate Associations and has developed proprietary systems for plan comparison and client education.
Questions
How do I choose the right health insurance plan?
Evaluate your healthcare needs, compare premiums vs. out-of-pocket costs, check provider networks, and consider prescription coverage. Our brokers help analyze usage patterns to recommend optimal plans.
Do you offer Covered CA enrollment assistance?
Yes, our certified Covered CA brokers provide free assistance with plan selection, subsidy applications, and enrollment in California’s Health Exchange marketplace.
What services do you offer for employers?
We offer group health plans for 2-100 employees, including Kaiser and Anthem options, Private Exchange platforms for mixed workforces, and TPA services for premium administration.
Are pre-existing conditions covered?
Yes, all ACA-compliant plans through our agency cover pre-existing conditions without waiting periods or exclusions.
How can I compare dental plan options?
We explain DHMO vs. PPO differences, show cost breakdowns for preventive vs. major procedures, and help select plans matching your preferred dentists' network participation.
What resources are available for plan education?
We provide monthly newsletters with third-party health articles, online quoting tools, and personalized consultations to explain plan benefits and coverage limitations.
Videos
