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Group Insurance


Standard Model

  • Medical (HMO, PPO, OAP, EPO, POS, HDHP)
  • HDHP High Deductible Health Plans with HRA or HSA
  • Dental (PPO, DHMO)
  • Vision
  • Life/AD&D (Guaranteed Issue, Voluntary)
  • Disability (Short Term & Long Term)
  • Long Term Care
  • Employee Assistance
  • Travel & Accident
  • Voluntary/Supplemental Plans (Accident, Cancer, Specified Disease, Sickness, Critical Care, Dental and Life)
  • Executive Plans
  • Section 125 Cafeteria Plan (pre-taxing employee contributions)

SeeChange: Value Based Benefit Model

Making Healthcare a Rewarding Experience

  • Employees enjoy better health and a better quality of life
  • Employers gain a healthier, more productive workforce, and lower health care costs

Value-based benefits are a new way of looking at health care plans. Like traditional health insurance, these plans cover members when they get sick or have an accident. However, value-based plans have an added bonus. These plans include incentives to reward members for completing specific Health Actions designed to keep their health on track. Incentives can include cash rewards, enhanced benefits or more. The result: a healthier, more productive workforce and lower costs for the long term.

Learn more

ExChange Model

As your insurance agent/broker we are an important outreach and enrollment channel for Covered California’s individual & family plan program. We will be certified by Covered California and able to enroll our clients through Covered California if this is the option of choice on 10/1/13.

  • Medical (HMO, PPO, HDHP)
  • HDHP High Deductible Health Plans with HRA or HSA

By working with us as your agent/broker, you can receive all of the services and products we provide in addition to using the Exchange for your medical plans.

Frequently Asked Questions

PEO Model

This is a Professional Employer Organization, which could be a fit for smaller sized companies; a one-stop service provider that allows business owners to concentrate on running the day-to-day business operations and yet provide employees with benefits usually reserved for the larger employer.  The PEO model “pools together” hundreds of companies representing tens of thousands of employees.  This is a co-employment model where the PEO is employer of record for employment & benefit purposes, assuming many of the responsibilities and liabilities.

Employees on payroll are able to participate in the PEO’s health, retirement and supplemental benefits as well as being covered by workers compensation.  The PEO also takes care of the payroll, including everything from printing the checks to reporting and paying the employment taxes.  The PEO also provides human resources and compliance expertise.

Services can include:

  • Payroll administration
  • Worker’s Compensation Management
  • Human Resources & Compliance
  • Employment Practices Liability Insurance

Request a free consultation to discuss if this option is a fit for your company.

Supplemental & Voluntary

Voluntary and Supplemental plans are designed to assist with the financial impact of life-changing events. Supplemental plans enrich a company’s benefits portfolio at no direct cost to the bottom line.

Employees may elect coverage that is solely paid for by that employee through payroll deduction but some plans do allow for employer contribution. There are plans that are ‘guarantee issue’; and others that do require a brief health history approval. The plans are usually portable so the employee may continue the coverage upon leaving the employment. Minimum participation may apply.

Supplemental plans include:

  • Accident Insurance
  • Critical Illness Insurance
  • Specified Critical Illness
  • Universal Life Insurance
  • Disability Insurance
  • Dental


Services can be used in conjunction with our Strategic Partners or stand alone.

Schumacher & Walker Insurance Services, Inc. ®2018
(877) 724-8467 | 1136 East Hamilton Avenue | Campbell, CA 95008
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Schumacher & Walker Insurance Service, Inc. is a BBB Accredited Insurance Consultant in Campbell, CA