Carmel Bay Group Insurance

Feeling unsupported by your employee benefits? You’re not alone. Too often, health plans feel impersonal—just paperwork and portals. But what if your benefits came with a real person? Someone who genuinely cares about your well-being and shows up when you need answers, clarity, or a little guidance? That’s where we come in. At Carmel Bay Group Insurance, we’re more than just brokers—we’re your benefits partners. We help employers and employees get the most out of their plans, offering dedicated support that makes navigating your group health benefits simple, not stressful. Think of us as the chat icon on a website that actually helps. Real humans, ready to walk you through everything from plan selection to personal planning—because we believe benefits should truly benefit you. Discover what sets us apart at www.carmelbaygroup.com

Small Businesses in Monterey County Deserve Big Support At Carmel Bay Group, we understand that small businesses are the backbone of our local community—and they deserve responsive, expert broker support every step of the way. Is your current group health plan meeting your team’s needs? CBG is here to help create a winning plan for you. The Carmel Bay Group Advantage ✅ Responsive and reliable support when you need it most ✅ Proactive assistance with plan maintenance and day-to-day administration ✅ Expert guidance on compliance and regulatory requirements ✅ Local, approachable service with a personal touch Contact us today for a free and confidential benefits review.

Nearly 1 in 3 families say they would face financial hardship within one month if the primary wage earner passed away. Term life insurance offers simple, affordable protection—and peace of mind knowing your family is covered when it matters most. At Carmel Bay Group Insurance, our team works with you to create custom-tailored policies designed to fit your life, your budget, and your goals. * Affordable, flexible coverage * Personalized guidance you can trust Life is full of uncertainties, but protecting your loved ones doesn’t have to be. Let us help you take care of the people you love. Carmel Bay Group

Better coverage starts with the right partner. Small businesses on the Monterey Peninsula are feeling the pressure of rising healthcare costs. If it seems like affordable group insurance options are disappearing, you’re not alone. At Carmel Bay Group Insurance, we dig deeper to find solutions that work for your business. We explore every option, look for the best path forward, and provide ongoing benefits support—Let’s talk about what’s possible. Real solutions. Real support. That’s what we’re here for.

Big news in health insurance! 🚨 We all know that one of the biggest frustrations with traditional health plans is dealing with deductibles, coinsurance, and unexpected bills. That’s why I’m excited to share Surest, a new group health plan from UnitedHealthcare that eliminates those headaches. With no deductibles or coinsurance, everything is covered by a simple flat copay. Plus, it uses UnitedHealthcare’s largest national PPO network, giving members broad access to top providers. Check out my post below to learn more. If you’re a business with 5+ enrolled employees, let’s talk about how Surest can work for you!

🔹 Introducing Surest – A Revolutionary Approach to Health Insurance! 🔹 Say goodbye to deductibles, coinsurance, and surprise bills. With Surest, a new group health insurance option from UnitedHealthcare, every medical service—from office visits to complex procedures—are covered by a simple copay. ✅ No deductible or coinsurance – just straightforward copays ✅ Know costs upfront – no more unexpected medical bills ✅ Access to UnitedHealthcare’s largest national PPO network ✅ Lower copays for higher-value providers ✅ Streamlined, digital-first experience Now available for employer groups with at least 5 enrolled employees! If your business wants to provide transparent, predictable health benefits that employees will actually use and appreciate, Surest is now available through Carmel Bay Group Insurance. 📩 Contact us today to explore how this innovative plan can work for your team! (831) 624 6000

Good morning, Monterey Bay! 🌅 We are so grateful to be part of this beautiful region and to serve our incredible community with complete insurance solutions. Whether you're a small business looking to evaluate your group health benefits and team up with a committed agency – or an individual seeking life insurance, long-term care, disability, or annuities, Carmel Bay Group Insurance is here for you. As the Peninsula’s broker of choice, we’re dedicated to inspiring your success in helping you secure the coverage that fits your needs and has a positive impact on those closest to you. Connect with us today—because the right benefits matter. 💙 #CarmelBayGroup #InsuranceExperts #MontereyPeninsula

❤️ Happy Valentine’s Day from Carmel Bay Group! ❤️ Today’s a good day to pause and think about the people who truly matter—your family, friends, colleagues, and loved ones. It doesn’t take much to show you care: a thoughtful gesture, a small act of kindness, or even making sure those closest to you are protected with life insurance can mean more than you realize. At Carmel Bay Group, we’re here to help you look out for the people who look out for you. Wishing you a day filled with appreciation, connection, and love.💖 Happy Valentine’s Day! #CarmelBayGroup #ValentinesDay #ShowYouCare #ProtectWhatMatters

Investing in Your Team = Investing in Your Business Providing great employee benefits isn’t just about coverage—it’s about supporting your team’s well-being, productivity, and long-term success. A strong benefits package helps attract top talent, boosts retention, and keeps employees engaged and motivated. When your team feels valued and secure, your business thrives. At Carmel Bay Group, we specialize in affordable, high-quality insurance solutions tailored to your business needs. Let us help you build a benefits package that supports your employees and your bottom line. https://lnkd.in/gyJ_k7bv

At Carmel Bay Group, we understand the importance of securing your future. Long-Term Care Insurance (LTC) helps protect your savings, ensures quality care, and provides peace of mind for you and your loved ones. 🔹 Financial Protection – Helps cover the high costs of long-term care, reducing the burden on personal savings and assets. 🔹 Choice of Care – Gives you flexibility in selecting the type of care you need, where you need it. 🔹 Relieves Family Stress – Eases the emotional and financial strain on family members by ensuring professional care is available when needed. Planning ahead means more control and security. Let us help you explore the right LTC insurance solution for your needs. Contact us at CBG today - #CarmelBayGroup #LongTermCare #FinancialSecurity #PeaceOfMind https://lnkd.in/gSn2KD24