Health Insurance in Bakersfield
When you’re looking for the peace of mind that comprehensive, affordable health insurance brings, trust a team that brings integrity, experience, and personalized service to the table. At Professional Benefits Team Inc, we work closely with employers and individuals alike to create cost-effective health insurance plans tailored to real-world needs.
As a veteran-owned and woman-owned agency, we’re proud to serve our Bakersfield community with professionalism and compassion.
Drop-ins are always welcome, and we’re just a phone call away. Call (559) 275-7706 whenever you’re in need.
Book Your ConsultationHow Do You Choose the Right Group Health Insurance Plan?
A group health insurance plan for your team should provide a benefits package that supports your recruitment efforts, promotes retention, and fits your budget. Here, we take time to understand your business, your goals, and your people. Then we help you evaluate your options across a wide range of carriers and plan types.
Areas we explore together when selecting the right plan include:
- Coverage needs and employee demographics: We consider the size and structure of your team, age brackets, and health needs to determine whether fully insured, level-funded, or self-funded plans make the most sense.
- Provider networks and plan flexibility: We examine how different plans align with your employees’ access to local doctors, specialists, and hospitals.
- Cost-sharing structures and deductibles: We'll help you evaluate premium levels, co-pays, deductibles, and out-of-pocket maximums.
- Ancillary and voluntary benefit options: From dental and vision to life, disability, and critical illness insurance, we ensure your benefits package covers more than just the basics.
Professional Benefits Team Inc’s Health Insurance Brokers: Here for You
Consider us your long-term benefits partners. Through strategic benefits planning and hands-on service, we aim to make your life easier and your team healthier.
Here’s what you can expect when you work with us:
- Custom benefit plan design
- Access to top-rated insurance carriers
- Assistance with partial, level, and fully self-funded options
- Claims support and advocacy
- Compliance and COBRA guidance
- Ongoing plan review and optimization
- Employee communication and education
Can Our Local Insurance Company Help You Compare Plans?
When you partner with our team, we’ll sit down with you to review a side-by-side comparison of plan options that meet your coverage and cost expectations. You’ll get clear pricing details and carrier pros and cons, as well as help understanding the fine print. Whether you’re a small business owner or a growing mid-size company, we’ll make plan selection feel manageable rather than overwhelming.
Do Employers Have To Pay 100% of the Health Insurance Premium?
Employers are typically required to contribute a minimum percentage (often around 50%) of the employee’s health insurance premium, depending on the insurer and plan structure. While that is the minimum, most employers cover around 80% of the premium.
However, you aren’t required to cover dependents, and you have flexibility in how much you contribute above the minimum. Our team will help you explore contribution strategies that align with your budget while still offering an attractive benefits package to your staff.
Sit Down With Trusted Insurance Brokers Today
As a veteran-owned, woman-owned business, Professional Benefits Team Inc understands the value of dedication, discipline, and honest service. We’re proud to serve Bakersfield-area businesses with trusted health insurance solutions, backed by decades of industry experience.
Looking for health insurance in Bakersfield? Contact us at (559) 275-7706.