Let Cabrera Financial be your strategic partner
Full Service Benefit Consultants & Brokerage
We have over 30 years of Group Benefits Brokerage experience from both the Broker side and the Carrier side. Cabrera Financial is contracted with all the major carriers thus set up perfectly to provide your company the benefits package that best suit your needs and budget. We offer in depth analysis of benefits options thus providing our clients all the information necessary from which make an informed decision on with direction to take. We pride ourselves in the highest level of ongoing service and management after benefits program is put into place. We offer all lines of coverage for group health insurance and ancillary products. We offer a wide variety of benefit solutions: multi-state and international employee benefits, self-funding of employee benefits, consumer driven health plan designs, and productivity wellness programs.
We specialize in renewal negotiations and shopping to keep costs as low as possible. If your group has more than 20 W-2 employees, we can make sure you are COBRA compliant by putting in place a capable COBRA administration program. We provide implementation of Section 125 Tax Law advantage so benefits are deducted on a pre-tax basis resulting in big savings on an ongoing basis for employees. We assist on the banking side of the HAS (Health Saving Accounts) bank account set up, management and advise on how to maximize that dollar for dollar deduction on your tax return.
Our benefits management and service includes adding new hires to the plans, employee terminations, life event add-ons of dependents, claims assistance, billing issues, personal information corrections, updates, changes and all matters having to do with Benefits. We handle full scale Annual Enrollment meeting either in person or teleconference during program implementation and communication to employee staffers.
We bring a unique understanding of the healthcare insurance and are completely up-to-date with all the new regulations, rules and parameters brought on by the Affordable Care Act. Our experience in the healthcare industry provides us with the knowledge of provider contracting, risk pool management, claims data analysis, and consumer behavior as it relates to medical care services and wellness.
Cabrera Financial act as an extension to your Human Resources to the extent that you desire. Your HR Department can work with us on a macro level where you may only reach out to us on a consultation basis. Or we can work with you on a micro level as an extension of your Human Resources Department; communicating directly with your employees, explaining benefits, employee costs, employer contributions, deadlines, enrolment windows, completing applications, processing application and getting policies issued. We are flexible and will work with you and your company however you desire. Keep in mind that our services are completely are absolutely at no cost to you. We are compensated by carriers directly. Our goal is to provide you the best insurance possible at the lowest cost available.