30+ Years Experience
760-688-4249
HR West Insurance Agency
Your Employee Benefits Specialists
Health Insurance • Dental • Vision
Life • Disability
HR Solutions • Tax Favored Plans
30+ years experience as independent Agents
Caring for your employees...
Benefits you deserve, freedom of choice, quality, and cost control
Over 700 Group plans available
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Quality PPO and HMO plans
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Menu of Choices for employees
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National PPO networks (some with Mayo Clinic)
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Premium saving strategies
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ACA-compliant in every way
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HSA and HRA qualified plans
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Many well-known Insurance Companies
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All are ACA compliant
Request a no-cost consultation
Nationally recognized Dental plans
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Large networks of Dentists
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Implants
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Orthodontics
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High (or unlimited) benefits
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Freedom of Choice
Protect your eyes
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National vision programs
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Well known carriers
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Quality benefits at a low premium
Short and Long Term Disability Insurance
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Very cost effective
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Covers normal maternity, too
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Advantages for the employee and employer
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Eliminates requests for loans or advances during disability
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Private and Business Disability plans
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For Employees, Spouses, and Children
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Employer or Employee paid
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Low Premiums
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Business Insurance - for Owners,
Key Person, Buy-Sell situations
Guidance and Resources for:
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Benefit Administration
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Compliance with ACA, ERISA, DOL, COBRA, etc.
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Health and Wellness Plans
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Technology Solutions
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Employee Communication
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Onboarding and Enrollments
And more
IRS-allowed tax favored plans that benefit the employer and employee:
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Section 125 pre-tax plans
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FSA (Flexible Spending Accounts)
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HSA (Health Savings Accounts)
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HRA (Health Reimbursement Accounts)
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Level Funded, Fully insured, ASO, and Partially Self-Funded plans available
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Cost reduction strategies
Independent Agents
Representing many insurance Companies
and more
What We Do
" 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
Customer Service
"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
Sales & Consultation
"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
Problem Resolution
No cost to you (the insurers pay us a commission)
Over 30 years of experience
We specialize in Employee Benefits
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.
Phone: 760-688-4249
2888 Loker Avenue East , Suite 110
Carlsbad, CA 92010
Email: help@hrwia.com
website: hrwia.com
No business too big or too small.
Independent Insurance Agency,
specializing in Employee Benefits,
and associated HR solutions.
Located in Carlsbad, California,
just north of San Diego.
CA License: 0M66218
AZ License NPN: 7808466
Ann Heckathorne, Agent / Owner
30+ Years of Experience
Serving Businesses headquartered in California or Arizona, and their employees located nationwide and global.