Services

Health insurance doesn’t have to be complicated. At Healthful Insurance, we value options and flexibility, which is why we operate as an independent insurance agency. Beyond the standard insurance broker approach, we review your policy annually and make adjustments based on your evolving medical and business needs. Our team provides personalized support with billing, plan maintenance, claims, and education. 

Education and compliance are at the heart of what we do. We offer complimentary seminars for corporate clients and one-on-one consultations for individuals, ensuring everyone understands the ever-changing healthcare industry. Our brokers are Covered California certified, and Medicare certified. 

Whether you’re seeking coverage for your family or your business, Healthful Insurance is committed to guiding you every step of the way.

Medicare can be confusing, but we make it simple. We provide comprehensive Medicare solutions, including guidance on Parts A, B, C, and D. From hospital coverage (Part A) and medical services (Part B) to Medicare Advantage plans (Part C), supplemental and prescription drug coverage (Part D), our experts help you understand your options and select the right plan for your healthcare and financial needs.

Next to employee benefits, the next most excruciating but important factor to running a successful business is having a dedicated representative who is an expert in human resources. Most small businesses with fewer than 100 employees don’t have a dedicated HR department. In fact, 81% of small business owners manage HR tasks themselves—often without formal training. That’s where our Human Resource Consultants step in to help by focusing on:

• Human Resources Administration: developing company policies, procedures, employee handbook, onboarding/termination of employees and employee surveys.
• Employee Relations: working with employees and management to address staff member concerns, administer performance appraisals and recommend employee assistance programs.
• Salary and Benefits: recommending or administering employee pay and benefits.
• Ensuring Compliance: audits and I-9 compliance, sexual harassment prevention trainings, workplace safety and OSHA compliance 

We partner with distinguished payroll processing platforms to ensure all your payroll needs are seamlessly met.  From basic recurring payroll submissions to more complex commission and profit share payouts, we handle these critical functions so your focus can remain on leading your team. We can also tie in workers’ compensation insurance so that premiums accurately reflect actual payroll data.  A survey by Ernst & Young (EY) found that one in five U.S. payrolls contains an error, with an average cost of about $291 per error. Our team ensures that employee benefits deductions are accurately updated in payroll for new hires, qualifying life events, and during open enrollment periods.

These include, but are not limited to:

• Expense Coding
• Accounts Payable
• Accounts Receivable
• Client Invoicing
• Bank Account Reconciliations
• Payroll Administration
• Period-End Financial Reporting

We maintain an accurate and up-to-date general ledger to constantly monitor the financial health of your firm and make annual tax preparation a breeze.

With extensive experience in Corporate Financial Planning and Analysis, we can support all your analytical needs to ensure business decisions are driven by the most actionable intelligence and trend information available. Whether you need help generating supporting financial documentation for a small business loan application or you want to develop key performance indicators to monitor the financial stability and efficiency of your company, we’re here to help.