THERE IS NO SUBSTITUTE FOR EXPERIENCE!
We wrote our first group policy in November 1967.
Did you know?
- With or without a Broker, Insurance costs the same.
- WE NEVER CHARGE FEES for our services, ever!
- Brokers can potentially save you money by finding what YOU WANT from the hundreds of options available. Our loyalty is to the consumer.
- No personal information required until you are ready to apply. If privacy is very important, your ONLINE application bypasses us directly to the underwriter.
INDIVIDUALS & FAMILIES
Cruise our website for the lowest quotes on PPO's, HMO's & HSA's based only on your age & zip code. That's all!
CAUTION!
The lowest cost premium may not be your lowest “OUT-OF-POCKET-COST” after deductible & co-payments.
Contrary to popular opinion, the "HMO" population of Insured enjoys better healthcare and lower net out of pocket costs than the "PPO" population of Insured.
(See our “HMO vs. PPO” for details)
GROUPS PLANS
Rivas & Associates is your business partner with an unconditional commitment to support YOUR Employee Benefits and Pension needs using every possible "tax credit", "tax deduction", "industry discount", "Insurance Exchange", "design strategy", "Hispanic employee network" and "government program" to keep your WORKERS COMPENSATION costs and HEALTH INSURANCE costs as low as possible.
Sections 129, 401(k), 403(b), 412(i) of the Internal Revenue Code and Assembly Bill 1672 are just a few of the underused legislative opportunities available to employers to reduce costs.
USE OUR WEBSITE as a resource. We constantly attend continuing education seminars and update our LINKS to provide our clients with the most recent and best advice.
Small businesses have been the backbone of the American Economy as a main source of employment and financial stability since the foundation of the United States of America. We believe small business is under more pressure than ever in history from government taxes and regulations, subject to a weak economy and often in competition with offshore businesses using cheap unregulated labor.
We are shocked that for the first time in history, the average income of public sector jobs exceeds those of the private sector. As Proud Americans and as Employee Benefits Brokers, we want to make it loud and clear that we stand shoulder to shoulder with the small business owners who, more than anyone, built this “Greatest Economy on Earth”.
We will do everything possible to help our clients control costs one on one as well as on the legislative front. There is little in our field we are not aware of, or products and services we do not have access to. You ask and we shall deliver!
We look forward to being of service to you and your employees and being your "Broker".
~Rivas & Associates