Two Specialists. One Coordinated Approach.
Benefits and HR do not operate separately; they affect each other every day.
We focus on ensuring your benefits are worth what you’re paying for, your employees understand how to use them, and your business stays on track with required compliance.
That means reviewing your plans regularly, keeping costs in check, helping employees navigate what they have, and supporting your team with the HR and compliance side.
We step in where it helps, so your team isn’t trying to manage it all on their own.
Benefits Strategy & Support
Helping you offer the right benefits while managing employer costs.
- Medical, dental, vision, life, disability & ancillary plans
- Annual market checks to keep rates competitive
- Enrollment support and employee communication
- Claims support and issue resolution
- Ongoing benefits management
This is not a “set it and forget it” benefits brokerage. Benefits are reviewed, explained, and actively managed.
Employee education
We help employees understand their benefits.
- Understanding HMO, PPO, and high-deductible plans
- Navigate PCP, referrals, providers, and medical groups
- Assist with Rx referrals for specialty drugs
- Employee onboarding support
- One-on-one claims assistance
Better understanding = better use = better outcomes
HR + Benefit Compliance
Keeping your business compliant and your HR functions supported.
- Benefits compliance (RxDC, COBRA, 5500, 1094, 1095, ACA)
- Leave coordination guidance (FMLA, CFRA, PDL, PFL, SDI)
- Policy and handbook updates
- California employment law alignment
- Support for overwhelmed HR teams
Especially in California, compliance changes rapidly, and it’s easy to fall behind.
Why This Matters
Small to mid-size companies often:
- Don’t have time to manage benefits properly
- Let benefit plans auto-renew without reviewing costs
- Struggle to keep up with compliance requirements
- Have employees who don’t understand what they’re offered
That’s where risk—and unnecessary cost—starts to build.
How We Help
We don’t just advise, we step in and help ease the load.
- Keep benefits competitive year after year
- Help employees actually use what’s offered
- Support HR with compliance and documentation
- Reduce the risk of costly mistakes or claims
Less guesswork. Less overwhelmed. More support.
Gratia Insurance Broker & Advisor, Debi Clark
Serving our clients since 1990, we utilize needs-based planning and strategic marketing to recommend products and services that meet your firm's specific needs. We practice active listening and ASK questions to ensure we tailor a solution specific to your needs, including physician choice, formulary, price, quality of care, personalized service, and copay/coinsurance.
We take an educational approach to decoding the complexities of health insurance and other benefits, including life, dental, vision, and long-term care insurance. The healthcare landscape is always changing, and we want to keep you up to date.
Our expertise comes from a collaboration between an in-house and a remote team.
We care and are grateful for the opportunity to provide information with no obligation or fee. We are compensated directly from the insurance carriers if you decide we are a good fit for you.
You are our greatest asset. Thank you for allowing us the opportunity to earn your business.
Gratia Insurance Solutions CA Lic 6014985