Your Temecula Group Health Insurance experts at  RTG West Insurance shows you how to manage the rising cost of group health insurance in California

1. Keep employees healthy. Institute a comprehensive wellness program that includes disease management for afflictions such as asthma and diabetes, as well as offering flu shots, cancer screenings, smoking-cessation sessions and a round-the-clock phone line staffed by nurses. In a report by the U.S. Department of Health and Human Services report, “Prevention Makes Common Cents.” Likewise, heavy machinery manufacturer Caterpillar estimates that a wellness program will save alot of money.

Such wellness programs don’t just keep company accountants happy. They’re also popular with workers.

2. Reduce coverage. Cutting coverage or asking your employees to contribute more to the plan is a logical step to reducing small business health insurance costs. The downside of this strategy is that it will likely prove unpopular with workers.

It's fairly common for businesses to exclude dental and vision insurance, but talk to your employees to see what they want covered. They might opt for having dental and vision insurance and a health savings account, for example.

 Affordable group health insurance has been, and continues to be, the preferred mode of health insurance for between 175,000,000 and 200,000,000 Americans, according to the National Conference of State Legislatures. At the heart of any group plan is the simple fact that insurance companies stand to make more money as they insure more people. Since businesses, religious organizations, and professional groups provide insurers with pre-assembled groups of willing customers, insurance providers are willing to negotiate lower group rates in exchange for the opportunity to gain customers en-masse. In the end, everybody wins.

Call us now and talk to a Group Health Specialist 951-789-9300.  You can also click the logos for our providers on the right anytime to get started  --------->

Benefits That Keep Your Employees Happy.

As an employer in today’s business world, RTG-WEST INSURANCE SERVICES, INC. knows how important it is to provide Health Insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At RTG-WEST INSURANCE SERVICES, INC., we’re proud to offer a variety of Group Health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits.

Our Health Insurance specialists will work with you one-on-one to develop a Group plan that’s not only affordable, but complements your business’s needs.
Which Plan is Right for Your Business?

Group Health Insurance plans typically include either Indemnity Plans, such as Fee-for-Service (FFS), or Managed Care Plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and Managed Care Plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since Group Health Insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find a solution that’s ideal and feasible for you and your employees

Don’t Let One Accident Hurt Your Record.

We understand that accidents happen. On the road, there are many situations that are outside of your control and sometimes cannot be avoided. At RTG-WEST INSURANCE SERVICES, INC., we don’t want an accident to hurt your driving record, or even cause your rates to go up. With the right coverage, you can be forgiven for your first chargeable accident through Accident Forgiveness. 

Under Accident Forgiveness, if you’re involved in an accident, your rates won’t increase – even if the accident is your fault. This applies only one time per policy, and once it’s been used, you’ll be eligible to receive it again three years later. 

Contact a representative at RTG-WEST INSURANCE SERVICES, INC. today to find out how you can receive the benefits of Accident Forgiveness for your Auto Insurance policy.

Good Drivers deserve Great Rewards.

As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with RTG-WEST INSURANCE SERVICES, INC., you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver. 

When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 of more credit for every year – simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit. 

For even more options, talk to a representative at RTG-WEST INSURANCE SERVICES, INC. about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

It’s just one more way that RTG-WEST INSURANCE SERVICES, INC. can provide quality coverage options for safe drivers.

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket. 


It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact RTG-WEST INSURANCE SERVICES, INC. to find out how you can be prepared for any situation on the road.

Bumper-to-Bumper Protection for Your Auto.

For most drivers, a car is more than just a means of transportation - it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from RTG-WEST INSURANCE SERVICES, INC., you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or some other object. 


How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from RTG-WEST INSURANCE SERVICES, INC. can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.

Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Contact RTG-WEST INSURANCE SERVICES, INC. today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

Security On and Off the Road.

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from RTG-WEST INSURANCE SERVICES, INC., you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision. 

At RTG-WEST INSURANCE SERVICES, INC., we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
Theft or Larceny
Vandalism and Glass Breakage
Fire Damage
Hail, Water, or Flood Damage
Hitting a Deer or Other Animal
Damage from Falling or Flying Objects
Other Non-Collision Related Services

In addition to Comprehensive, RTG-WEST INSURANCE SERVICES, INC. also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.




If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.


Components of Liability

There are two main components to Auto Liability:
 Bodily Injury 
 Property Damage liability.

Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.

Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same.

Contact a representative at RTG-WEST INSURANCE SERVICES, INC. today for more information about what Liability Coverage can do for you.