Employer Benefits

Your employees are your most valuable asset. Make sure they are protected.

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Highly Qualified Group Benefits Professionals

Hedges Insurance Services, LLC is a leader in the Small and Large group insurance benefits field. With over 30 years of experience, we specialize in making your employee health benefits package affordable. We offer a number of carriers and are well versed in the changing laws and rules in regards to Employer Sponsored Benefits.

Our service not only includes the usual, health, dental, vision, group life benefits but also a free service to you where you have access to Human Resource protection that includes HR handbooks personalized for your business, COBRA administration and more.

Rules that take effect in accordance with
the ACA (Affordable Care Act):

  • Starting on January 1, 2015, employers with 100 or more full-time (or full-time equivalent) employees that do not offer health insurance to their full-time employees (and dependents), or that offer coverage that is not affordable or that does not provide minimum value, may be required to pay an assessment if at least one of their full-time employees receives a premium tax credit to purchase coverage in the new individual Marketplace.
  • Employers with at least 50 but fewer than 100 full-time or full-time equivalent employees will generally have an additional year, until 2016, before these rules apply.
  • Businesses with fewer than 50 employees are generally not affected by the Employer Shared Responsibility rules
  • If You are an employer with more than 50 Employees the following penalty will apply if Medical Benefits are not offered. A fee of $2,000 per full-time employee, excluding the first 30 employees, on employers with more than 50 employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit. Employers with more than 50 employees that offer coverage but have at least one full-time employee receiving a premium tax credit, will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee, excluding the first 30 employees.

    • Applicable large employers (50 or more full-time equivalents) must report to the IRS information about the health care coverage, if any, they offered to full-time employees. The IRS will use this information to administer the employer shared responsibility provisions and the premium tax credit.

Testimonials

“Ben is very helpful signing us up for Medicare.”

– Shirley H.

“A fantastic spot to get honest, professional advice. Hedges Insurance helped me while making decisions regarding Medicare.”

– Mark G.

“Exceptional service. They were very comprehensive in their research and communications. The focus was on what I Is in our best interest.”

– Heidi S.

“Dan at Hedges was very patient with all our questions. His knowledge and genuine consideration of our health information created a great sense of comfort. Knowing that Hedges is local and available should a need arise. Changing to Alignment for my husband was the way to go.”

– Chris G.

“Hello Mike et al.
You and your crew have treated us very well. I have referred several peers who were frustrated or confused with Medicare options. I appreciate the opportunity to review my Rx plan for the upcoming year with one of your staff, possibly via phone.
Thank you kindly,”

– Jim S.

“Ben,
Thank you so much. You and your office have been more than helpful.”

– Noel S.

“Dear Hedges crew;
Thanks for keeping us updated and on top of things.”

– Mary I.

“Guys,
Thank you so much for always assuring me that you have my best interest at heart. I am so grateful for the “Hedge of protection”, making me feel safe and secure!! You all are the best!!!”

– Mary I.

“Thank you for the information and I will go over it with Cindy and get back to you. Cindy and I are very pleased with all of our dealings with Hedges and your courtesy and professional help. We also praise and pass on the info to friends and family.”

– Jerry C.

“Gentlemen,
I LOVE the Blue Shield (FX) you found for me. I would like to discuss new RX plans. Thanks for your help, Ben.”

– Suzanne W.

“Dan and Ben have both helped me in the past year. I appreciate their help.”

– Linda M.

“You have helped us nicely every time!”

– JD

“Thanks Guys,
OK, You fellows have just treated me like Gold!
You’ve all been great and I have recommended y’all to many .
I will have Aaron look into my prescription plan.”

– Jeff T .

“Hi Mike and Ben and Aaron –
You treat us fabulously and professionally .. with great personal attention!
Thank you!!”

– Jodi and Scott

“Just want to mention what a great job your staff does. They make dealing health insurance a lot less stressful.”

– Ron P.

“You guys are great! We thank you for all your help!”

– Ed & Donna F.

“Hello Hedges staff, My Husband tells me are good with Golden State, HE IS THE ONE THAT TALKS WITH DAN, But Thanks for LOOKING OUT FOR ME, Awesome Job Gentlemen!”

– Donna W.

“We love working with the guys at Hedges Insurance. They don’t just sell insurance – service is what they sell. If you have questions, need to make a change in your coverage or anything related to your policy they are happy to help.” 
– Dennis Swanson, Studio 101 West
“Very knowledgeable and professional. Not pushy. Straight forward and honest.” 
– Rich P.  
“Excellent personal customer care service. They go beyond the usual insurance broker to make sure you have the best policies for your family and business. We have been clients for 3 years and Mike and his team has saved us money over the time we have been clients. They contacted us to inform us of a better Medicare supplement policy being offered this year at a lower rate. Always looking out for their clients.”  
– Christine M.  
“We have been using Hedges insurance for many years, and found them to be very professional and helpful. With all the changes in the insurance industry these past years, the team at Hedges Insurance has been ahead of the curve.” 
– Allen L. 
“Mike and Aaron are a great part of our team that helps us be successful.  I have sent and will continue to send friends and fellow business owners their direction.  Thanks guys for doing an impeccable job for me – your good work and integrity are qualities I wish all our vendors had!” 
– Rob Kitzman, Kitzman’s Culligan Water 
I know I can call Mike and his team with any kind of question and I’ll get prompt courteous service – no matter how dumb the question may be!” 
– Molly Johnson, Mid-Coast Fire Protection, Inc. 
“Great personal service!” 
– Donn C. 
“We really appreciate the personal attention paid to our employees and their families. The folks at Hedges Insurance Services always work quickly and diligently to handle our Health Care needs.” 
– Sadie Cook, Filiponi & Thompson Drilling, Inc. 
“The guys at Hedges always set our minds at ease when we have a question regarding our health insurance. They know their stuff. They are always patient and gracious with us and help us to understand what is going on. They are willing to make calls for us and they are quick to get back with us if we leave messages. They have helped us through the tangled maze of Covered California plans, and now through our experience with the Medicare world. They are a real blessing!” 
– Pamela B. 

Hedges Insurance Services specializes in Medical, Dental, Life and Vision benefits for your business. We work with many carriers including:

Start Covering Your Workers Today

Rates are dependent on the amount of people you choose to cover under our group plans.
Contact one of our Atascadero, CA based agents to discuss pricing.

Talk to An Agent

Or call our Atascadero, CA office for immediate assistance
805.466.9048