Because most people need medical care at some point, let us help protect you from unexpected, high medical costs.
Your family needs insurance to cover any outstanding debts, like the mortgage, credit cards and car loans. We can show you the best plans.
Income protection is important if you can no longer work. It’s more than just peace of mind. It’s essential financial planning.
Individual Medical, Life, and Disability
Group Medical, Life, and Disability
Health Saving Accounts
COBRA and HIPPA Administration
With a combined experience of 50 years in the employee benefits field, our varied backgrounds provide a solid understanding of our client’s needs. We have served as a Vice President of Marketing for a national insurance administrator, an Associate Director for a California actuarial firm, and many years as a consultant to public and private businesses throughout California.
Dennis Lee Insurance Services was formed in 1992 and incorporated in 2001. We are competent in a broad range of products including partial and fully self-insured plans, health savings accounts, and other products designed to help our clients gain control over the increasing cost of their benefit plans
The key to success in employer- sponsored group insurance is to develop a focused business philosophy for managing your benefits programs. We will guide you in making the decisions that accurately reflect your business philosophy.
Understanding program options available to help you reach your goals is fundamental to providing a flourishing and cost-effective program. Our team helps you communicate your program to your employees in a manner proven to ensure that they understand and appreciate the program benefits.
The guidance we provide during plan implementation and open enrollment periods is a constructive advantage for employee and employer alike.
Government mandates must be administered and communicated properly to avoid government penalties. The requirements placed upon you by COBRA (Consolidated Omnibus Reconciliation Act), HIPAA (Health Insurance Portability Act) and ERISA (Employee Retirement, Income and Security Act) change annually.
We manage this onerous process so that you have the information and tools you need to meet these strict mandates. This service is critical to your business.
Understanding program options available to help you reach your goals is fundamental to providing a flourishing and cost-effective program.
The United States Department of Labor provides information on a variety of subjects related to employee health benefits, employer responsibilities, and specific programs such as COBRA, ERISA, HIPAA, and more.
- Child Care Assistance
- Compliance Assistance
- Consumer Information on Health Plans
- Continuation of Health Coverage (COBRA)
- Employee Retirement Income Security Act (ERISA)
- Fiduciary Responsibilities
- Health Benefits Education
- Mental Health Benefits
- Newborns’ & Mothers’ Protections (Newborns’ Act)
- Participant Rights
- Plan Information
- Portability of Health Coverage (HIPAA)
- Womens’ Health & Cancer Rights Protections
All small employer groups (2-100 employees) are guarantee issued and cannot be denied coverage. The rate bands are submitted and filed by each insurance carrier annually.
The quoted rates may vary 10% up or down based on the medical conditions within the employers group (RAF or relative adjustment factor). Renewal rate formulas are also provided by the state to assure that all carriers providing small group plans operate within the guidelines of the state.
Large group medical plans (100 employees or more) are quoted by carriers based on actuarial guidelines (age, sex, location, type of coverage requested and medical condition of the group). Therefore, a group medical quotation is not guaranteed. A carrier may decline to quote on a large group based on their particular underwriting requirements.
All group medical plans offered within the State of California must meet the guidelines set forth by the California Department of Insurance. These guidelines include, but are not limited to, mandated benefits that must be included within each policy, discrimination rules and regulations, COBRA rules and regulations, HIPPA rules and regulations and other state law.
The Federal and State government require that all employers meet all rules and regulations set forth in The Consolidate Omnibus Reconciliation Act (COBRA), Health Insurance Portability Act (HIPPA) and The Employee Retirement Income and Security Act. It is imperative that each employer have a thorough understanding of these laws and is implementing them appropriately.
The following links are intended to provide you with the actual website for reference purposes. If you need further help or clarification please feel free to call us at 559-275-7705 and we will do our best to assist you.
‘Dennis and his team understand the challenges businesses face. His recommendations have helped us get better coverage AND save money.’
‘When I first met Aaron I was immediately impressed with his insurance knowledge. He knew exactly how to solve our self-insurance problems.’
‘I highly recommend Lee Insurance. My company is one of the lines they represent. They’re knowledgeable, fair, and they put their clients first.’