Insurance by Ezra

National Life & Health Broker

Licensed in California, Washington, Oregon, South Carolina, Virginia, Delaware, Missouri, Michigan, Iowa, & Idaho
​Ezra Gonzalez, ​National Producer Number (NPN): 21109438 (Click Here to View License)

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Employee Benefits Consulting

Spousal Incentive Health Reimbursement Arrangement (SIHRA):

This program incentivizes participants to take care of their medical problems by offering 100% coverage under the alternate plan. Key benefits include:

  • Significant Cost Savings: Encourages employees to opt for alternative coverage, resulting in substantial reductions in healthcare expenditure.
  • Comprehensive Coverage: Pays for 100% of copays, coinsurance, and deductibles under alternative coverage for qualified participants.
  • Risk Mitigation: Reduces overall healthcare liability, insurance premiums, and catastrophic claims through risk transfer.
  • Increased Domestic Revenue: Boosts revenue from employees who use the hospital for care while being commercial members on the alternate plan.
  • Proven Results: Successfully implemented by numerous hospitals, showing consistent savings and improved financial stability.
  • Easy Implementation: Minimal disruption to the HR team, offered as another plan choice along with all your benefits offerings.
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Health AI:

Leverage advanced technology to streamline benefits administration. The benefits of this AI app, sponsored by the employer and free for employees, include:

  • Enhanced Privacy and Security: Ensures strict anonymity and privacy for employees, providing de-identified and aggregated data to the employer in compliance with HIPAA regulations. Discover more at Health AI.
  • Improved Health Outcomes: Promotes early identification and management of health risks, reducing chronic diseases and costly treatments.
  • Comprehensive Risk Management: Creates detailed health risk profiles, enabling targeted wellness programs and preventive care initiatives.
  • Enhanced Employee Engagement & Satisfaction: Boosts engagement through personalized health recommendations and real-time progress tracking.
  • Significant Cost Savings: Employers can negotiate better pricing with insurance companies and avoid overpriced plans.
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