Group Products

Kevin S. Reid Insurance Services, Inc. offers a wide range of group insurance products tailored to meet the needs of small and large employers alike. Contact us if you don't see your product listed – we most likely have a solution for you! We will consult with you on what best fits your company’s needs, compliance and budget.  There is no obligation, and our services are always free. We offer:

Request a quote, contact  sales@ksrinsurance.com today!
Aetna
Building on its 150-year heritage, Aetna is one of the nation’s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits through employers in all 50 states, with products and services targeted specifically to small, midsized, and large multi-site national companies. Aetna also offers a wide array of programs, services, and information that help minimize increases in employee benefits costs, while striving to provide easy access to cost-effective, high-quality health care.
Anthem Blue Cross

Anthem Blue Cross has been serving the health care needs of California residents since 1937. Together with its branded affiliates, Anthem Blue Cross provides health care services to more than 6.8 million members. Offering a full continuum of product and coverage options, Anthem Blue Cross provides customers with unparalleled choice and flexibility in meeting their health plan needs. With its strong track record for innovation, Anthem Blue Cross focuses on progressive products and services designed to improve the health status of all Californians.

BeneFLEX HR Resources

BeneFLEX HR Resources makes benefits work – for the employer and the employee. We provide affordable, responsive, leading-edge design and hassle-free administration of employer-sponsored benefit packages including Premium Only Plans (POP), Flexible Spending Accounts (FSA & DCAP), Health Reimbursement Arrangements (HRA), HCSO approved HRA Plans, COBRA administration, and Transit Management Accounts (TMA). BeneFLEX reduces administrative burden, provides an innovative benefit approach, and ultimately helps enhance the bottom line. Brokers look to us because we keep the plan compliant and the clients happy. And we provide English/Spanish assistance and bi-lingual forms.

CaliforniaChoice 51+ 

CaliforniaChoice 51+ is a unique program that allows employers with 51 to 199 employers to set a monthly budget for employee health benefits and offers each of their employees the ability to choose from 3 health plans, 16 benefit plan designs, 3 HSA-qualified plans, Dental, Vision, Hearing, Chiropractic & Acupuncture, Life and HR Support Center—all in one package with one consolidated monthly bill.

CaliforniaChoice® 

CaliforniaChoice® is a unique program that allows employers with 2 to 50 employees to set a monthly budget for employee health benefits, offering each of their employees the ability to choose from a selection of multiple health plans, optional ancillary benefits, and a payroll solution that makes the administration side of their business easy—all in one package with one consolidated monthly bill.

CIGNA HealthCare

CIGNA is one of the largest national providers of health care benefits and health services. CIGNA’s broad portfolio of group medical and specialty health care products and services are all designed with your clients’ health care needs in mind—to provide quality service and reduce costs.

CoPower SELECT: Unum

Unum’s life, disability, long term care, and voluntary insurance products are backed by 10,000 employees with an unwavering commitment to meeting the needs of customers. Unum is a partner in helping companies deliver better benefits through unique plan designs, effective benefits education, claims expertise, flexible funding options and administrative support. A leading provider of employee benefits, Unum has a 160-year history of not only helping protect employees from the unexpected, but also helping companies recruit and retain a talented workforce. Unum knows that companies that care about their employees and value the time and passion they put into their work offer great benefits packages, including Unum.

CoPower SELECT: VSP

For nearly half a century, VSP has been a trusted advisor in eye care wellness benefits. As the nation’s largest provider of eye care coverage, more than one in 10 Americans is a VSP member. As a VSP member, your clients have access to the largest eye care doctor network and all plans provide a thorough eye examination. VSP was one of the first eye care health plans to use stringent National Committee for Quality Assurance guidelines to credential all VSP doctors. VSP’s doctor network is so comprehensive, that over 90 percent of members have access to a VSP doctor within 10 miles of work and home

Covered California

In 2010, California was the first state in the nation to enact legislation to implement the provisions of the federal Affordable Care Act by creating a health care marketplace — Covered California. The Covered California™ mission is to increase the number of Californians with health insurance, improve the quality of health care for all of us, reduce health care coverage costs and make sure California's diverse population has fair and equal access to quality health care.

Health Net

Health Net is among the most respected health care companies in California, with an extensive network of more than 48,000 physicians, 750 physician group locations, and 4,600 pharmacies serving more than 2.5 million members. The company’s HMO, insured PPO, and government contracts subsidiaries provide health benefits to approximately 5.3 million individuals in 15 states through group, individual, Medicare, Medicaid, and TRICARE programs.

HRAnswerLink

Founded in 2001, HRAnswerLink is the nation's premier provider of on-demand human resource products and services. Their SaaS modules have been developed so they can be offered as a cohesive or standalone product – whatever best suits the needs of your clients.


Their current affiliate base includes Payroll Service Bureaus, Insurance Brokers and Agents and a wide variety of other business groups and organizations across the United States. They offer BRANDED, CONFIDENTIAL and DEPENDABLE HR services to nearly 50,000 small and medium size businesses

Kaiser Permanente

Founded in 1945, Kaiser Permanente is the nation’s largest not-for-profit health plan, serving more than 8.6 million members, with headquarters in Oakland, California. At Kaiser Permanente, physicians are responsible for medical decisions. The Permanente Medical Groups, which provide care for Kaiser Permanente members, continuously develop and refine medical practices to help ensure that care is delivered in the most efficient and effective manner possible.Kaiser Permanente’s creation resulted from the challenge of providing Americans medical care during the Great Depression and World War II, when most people could not afford to go to a doctor. Among the innovations it has brought to U.S. health care are: prepaid health plans, which spread the cost to make it more affordable; physician group practice to maximize their abilities to care for patients; a focus on preventing illness as much as on caring for the sick; and an organized delivery system, putting as many services as possible under one roof.

Managed Health Network (MHN)

MHN has provided Employee Assistance Program (EAP) services since 1974 to over 700 organizations including Fortune 500 companies, government agencies, health plan carriers, insurers and Taft-Hartley Trust Funds. Their comprehensive suite of EAP services and their extensive network of clinicians, consultants and trainers can help make your clients’ bottom lines stay profitable by helping their employees manage emotional health and family- and work-related challenges.

MetLife®

MetLife, Inc. is a leading provider of insurance and other financial services to millions of individual and institutional customers throughout the United States and around the world. The MetLife companies offer life, accident and health insurance, retirement and savings, and reinsurance products through agents, third-party distributors such as banks and brokers, and direct marketing channels. MetLife works with families, corporations and governments to provide them with solutions that offer financial guarantees in their lives. Their name is recognized and trusted by more than 70 million customers worldwide and over 90 of top 100 FORTUNE 500 companies in the United States. MetLife has the experience, global resources and vision to provide financial certainties for an uncertain world.

Principal Life Insurance

Company Principal Life Insurance Company (The Principal®) has over 120 years in the insurance business, over 55 years as a leader in employee benefits, and more than 120,000 group insurance, and retirement plan customers of all sizes. They are one of the largest employee benefit providers in the nation. Principal Life offers dental, life, vision, and disability insurance through LISI.

Reliance Standard

Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income, and group term life insurance and a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best, Reliance Standard began its centennial year in 2006. RSL SmartChoice for small groups incorporates Short Term Disability, Long Term Disability, Life/AD&D and Dental/Eye Care benefits.

Sharp Health Plan

Sharp Health Plan is the only commercial health plan based in San Diego. Their health plan options provide coverage for employers throughout San Diego and Riverside Counties, combining affordability, flexibility and choice, while ensuring high quality health care and customer service. In addition, plans include valuable enhancements, such as interactive wellness resources, dental discounts, and an exclusive global emergency services program.


Sharp Health Plan is a subsidiary of Sharp HealthCare, San Diego’s largest private employer and the largest provider of comprehensive health care services in the County. In 2007, Sharp was one of only five organizations to receive the Malcolm Baldrige National Quality Award—the nation’s highest Presidential honor for quality and organizational performance excellence. Sharp is the first health care provider in California to receive this recognition.

Sterling Health Services Administration

With more than 10 years of experience serving employer groups of all sizes, Sterling Health Services Administration reduces the administrative burden for clients so they can focus on running their businesses. We offer worry-free administration for health savings accounts, flexible spending accounts, health reimbursement arrangements, premium only plans and COBRA. Our products integrate well with carriers for auto claims payment or reimbursement through HSA, FSA and HRA accounts. And we understand how critically important it is for healthcare benefits programs to be in full compliance with increasingly complex regulations. Our dedicated and certified compliance team offers peace of mind with expert ERISA wrap, form 5500 filing, nondiscrimination testing, and a myriad of PPACA related compliance services. We're so sure that clients will be satisfied with our service that we offer a money back guarantee.

The Hartford

Founded in 1810, The Hartford Financial Services Group, Inc. is one of the largest investment and insurance companies based in the United States. The Hartford is a leading provider of investment products—annuities, mutual funds, college savings plans—as well as life insurance, group and employee benefits, automobile and homeowners' insurance, and business insurance. After nearly 200 years in business, and 50 years of providing group benefits, The Hartford is known for its financial strength and stability, superior customer service, and continued operational excellence.

UnitedHealthcare

UnitedHealthcare is a division of UnitedHealth Group, a Fortune 50 company and the single largest health coverage carrier in the country, offering a wide range of health care plans to fit small business needs. As a recognized leader in the industry, UnitedHealthcare works to enhance the health care experience for the 75 million members they serve. This includes working with providers and physicians to improve the quality and efficiency of health care services, providing greater access to health care for their members and the underserved, developing and implementing products and programs that help their members manage health care costs, and using technology to help their members better navigate the health care system. Their nationwide network includes more than 660,000 physicians and health care professionals, 5,100 hospitals and 64,000 pharmacies.

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FEATURED CARRIERS

  • Group medical (PPO, EPO, HMO)
  • ​Group dental (PPO and PrePaid)
  • Disability (Long Term and Short Term)
  • Vision
  • Life (Voluntary, Group and Supplemental)
  • ​Key Man Insurance
  • Executive Reimbursement Plans
  • Long Term Care
  • Critical Illness
  • Cancer Care
  • Accident
  • Self Funded Plans
  • Retirement Plans
  • Payroll Services
  • Wellness Programs