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We have access to all of the major health carriers in the State of California.


ACS researches and analyzes all of the health plans in the California marketplace to design an employee benefits package that is best suited to your needs and your budget.

Types of Health Insurance: Health Insurance is broken down into two major categories.

  • Indemnity: This is also referred to as a "Fee for Service Plan".
  • Managed Care: There are three major types of managed care plans:
PPO (Preferred Provider Organization)
HMO (Health Maintenance Organization)
POS (Point-of-Service Plans)

There is no one type of plan of health plan that is best for everyone as each persons needs differ. The goal is for you to understand how each plan works so that you can choose the plan that will work best for you.

  "Your Company, your staff have been a trusted advisor. Everyone should be so honest and straightforward. (I) could not think of a more professional, thorough, committed organization."  
John Noll, Food Brokerage
Copyright 2002-2004, American Compensation Service
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