Enrollment questions
People on the plan can ask how coverage works and how to sign up directly with us.
Since 1996 · Concord, California
Service Beyond Expectation
Tower Resources is an independent employee-benefits broker. We help employers and families find health, dental, vision, life, and related coverage. We then stay on the account for questions, claims, and renewals.
- Health
- Dental
- Vision
- Life
- Disability
- HR
There is no charge to get a quote.
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States we serve:
- California
- New York
- New Jersey
- Pennsylvania
- Illinois
- Texas
- Missouri
- Washington State
- Washington DC
About
An independent broker since 1996
Tower Resources Insurance Services is owned by Rosemarie Hines, an Employee Benefit Specialist (CA Lic. #0A93547). From our Concord, California office, we arrange group and individual benefits and stay involved after the plan starts, not only at renewal time.
We work with corporations, partnerships, sole proprietors, non-profits, unions, individuals, and families. Groups usually range from about 5 to 500 employees, including small businesses and larger organizations. Coverage can include health, dental, vision, life, long-term care, and disability, along with COBRA administration, HR consulting, and an online HR library.
Because we are independent, we shop more than one carrier. We learn what you need covered, compare options on price, coverage, and service, and put the proposals in front of you. After you enroll, a dedicated account manager helps with claims, billing, eligibility changes, and employee questions. Your HR contact can call us directly. An HR consultant is also available by phone or email for labor law, workers' compensation, paid family leave, FMLA, and termination questions.
Clients also get access to the tools we use day to day: a Cobra / Payroll portal, an online HR library, and employee enrollment where it fits the group. There is no cost to get a quote or ask questions.
- 30+
- Years helping employers and families
- 8
- States + Washington, DC
- 5–500
- Typical group size
- Independent
- We shop multiple carriers
Services
From the first quote through the renewal
We shop the plan, prepare the paperwork, and take the calls after people enroll, so your team gets coverage that fits and a broker who stays on the account.
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Dedicated Account Management
One dedicated account manager stays on the account, knows the plan, and is the person you call for claims, billing, eligibility changes, and employee questions.
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New and Renewal Benefit Analysis
A written comparison before you sign a new plan or renew an existing one. You see price, coverage, and service side by side.
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Benefit Plan Marketing
We take your census and goals to market, shop more than one carrier, and bring clear proposals back for you to decide.
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Employee materials
People leave enrollment with customized employee benefit brochures and ID quick cards they can actually use.
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Employee Communications
Enrollment meetings and written notes people can keep afterward, so employees understand what they chose and how to use it.
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Plan Administration Assistance
Eligibility changes, carrier follow-up, and the week-to-week running of the plan stay with us instead of piling onto your desk.
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Legislative Updates
When the rules change, you get a clear note on what it means and what you need to do about it.
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COBRA
COBRA administration is handled through the Cobra / Payroll portal on WebCobra.
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HR consultation
HR consultation for employment questions that come up alongside benefits.
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HR online services
HR online services are available in the HR360 library: guides, forms, and compliance tools your office can use year-round.
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Employee online service
Ask us about employee online service for enrollment and everyday plan questions, including EaseCentral.
Group benefits
Group plansand the calls that follow.
We work with small businesses and organizations of about 5 to 500 employees: corporations, partnerships, sole proprietors, non-profits, and unions. Because we are independent, we shop more than one carrier, compare options on price, coverage, and service, and stay on the account for questions, claims, and renewals. Employees can call us directly about plans and enrollment. That is one less thing for your front desk to handle.
Employee website
With a confidential login, employees can enroll, check eligibility, get claim forms, and search providers online.
Account manager
A designated account manager tracks enrollments, pending eligibility, and terminations, and helps with ACA compliance documents.
HR consultant
Even though we consider ourselves an extension of your Human Resources Department for all insurance-related matters and perform as such, there will be questions you have that may require additional expertise. For those questions, we have an HR Consultant Specialist that is available via phone or email for internal employment matters such as Labor Laws, Workers Compensation, Paid Family Leave FMLA or Employee Termination.
Online HR library
Clients receive an online HR library for groups of about 5 to 500 employees.
- Compliance guides
- Benefits calendar
- COBRA and FMLA
- Job descriptions
- Salary benchmarks
- 700+ forms and posters
- Federal and state law
- Monthly newsletter
What we need to quote
To put real numbers in front of you, send what you have. We can work from a short list:
- An employee census with dates of birth and home zip codes (and dependent DOBs if you want family rates)
- Your current plan summary and rates, if you already have coverage
- Your renewal date (or the date you want coverage to start)
Contact us when you are ready
There is no charge to get a quote.
Individual and family
Individual and family plans
Use the Quotit forms below when you want a quick online quote for individual and family health, child-only health, or dental. Prefer to talk it through first? Contact us and we will walk through options with you.
Before you enroll, we review the policy limitations so you know what you are buying. There's no extra cost to quote through a broker instead of buying direct. We shop more than one carrier and stay on the account after you enroll.
FAQ
Questions
Is there a cost to use Tower Resources?
No. There is no charge to get a quote or ask questions.
What's the difference between working with a broker and buying a plan directly?
A broker shops multiple carriers, handles the paperwork, and stays on the account after enrollment for claims, billing, and changes. There's no added cost for that. There's no extra cost to quote through a broker instead of buying direct.
What size groups do you work with?
Groups from about 5 to 500 employees, including small businesses and larger organizations. We also work with individuals and families.
What kinds of employers do you work with?
Corporations, partnerships, sole proprietors, non-profits, unions, individuals, and families.
What states do you serve?
California, New York, New Jersey, Pennsylvania, Illinois, Texas, Missouri, Washington State, and Washington, DC.
What do you need to quote a group plan?
An employee census with dates of birth and home zip codes, your current plan and rates if you have them, and your renewal date (or the date you want coverage to start). There is no charge to get a quote.
What types of coverage can you arrange?
Health, dental, vision, life, long-term care, disability, wellness programs, 401K, FSA/Section 125, voluntary benefits, and COBRA administration, along with HR consulting and an online HR library for groups.
Do employees get help after enrollment?
Yes. Employees can call us directly about plans and enrollment. With a confidential login, employees can enroll, check eligibility, get claim forms, and search providers online. A designated account manager tracks enrollments, pending eligibility, and terminations, and helps with ACA compliance documents.
What HR support do group clients get?
An HR consultant is available by phone or email for labor laws, workers' compensation, paid family leave, FMLA, and employee termination questions. Clients also receive an online HR library with compliance guides, a benefits calendar, COBRA and FMLA materials, job descriptions, salary benchmarks, 700+ forms and posters, federal and state law resources, and a monthly newsletter.
How does COBRA administration work?
COBRA administration is handled through the Cobra/Payroll portal on WebCobra.
I already have a broker. Can you still help at renewal?
Yes. We can review your current plan and quote a renewal before you sign for another year.
How do I get an individual or family quote?
Use the Quotit forms on this page for individual and family health, child-only health, or dental. Or contact us if you would rather talk through options first. Before you enroll, we review the policy limitations.
Carriers
Carriers we work with
Tower Resources Insurance Services is proud to represent the following high-quality Insurance Carriers:
- Aetna
- Assurant
- Best Life
- Blue Cross
- Blue Shield
- California Choice
- CareFirst
- Covered California
- Delta Dental
- Guardian
- Healthnet
- Humana
- Kaiser
- MES Vision
- Met Life
- Principal
- Standard
- UNUM
- United Concordia
- UHC
- Vision Service Plan (VSP)
Where we work
Eight states and Washington DC
- California
- New York
- New Jersey
- Pennsylvania
- Illinois
- Texas
- Missouri
- Washington State
- Washington DC
Contact
Call, email, or send a note
We're looking forward to hearing from you.
Tower Resources Insurance Services
1485 Civic Court, Ste. #1400
Concord, CA 94520
Fax 925.680.4589
info@towerresources.net
Rosemarie Hines, Employee Benefit Specialist and owner.
CA Lic. #0A93547
rosemarie@towerresources.net
Hours
- Monday – Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed