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Who We Help › For Employers
Group Health Insurance

Covering Your Team,
Made Simple

One process. Four steps. Whether you're insuring 2 employees or 50 — here's exactly what working with us looks like.

What We Do

From first call to
everyone insured.

No jargon, no 40-page proposal to decode. Click through each step to see exactly what happens and when.

A short conversation about your business — size, industry, budget, and what coverage means to you right now. This is the only step that requires anything from you beyond a few minutes.
We build a simple sheet of who needs to be covered and what they're on today. No lengthy HR forms — just a clear headcount so quotes come back accurate the first time.
We compare group options across 50+ carriers and bring back real quotes, side by side, in plain language — so you're choosing between plans, not decoding them.
Once you pick a plan, we handle enrollment for every employee directly. You get a covered team; we stay on as your one point of contact going forward.
The Pitch Deck

See the Comparison For Yourself

Swipe or click through — this is the same walkthrough we'd give you in person.

Slide 1 / 5

Group Coverage, Compared Honestly

Before you pick a path for covering your team, see what the two options actually look like side by side — then decide which one you'd rather run.

Slide 2 / 5 — The Comparison

The Typical Way vs. The Castro Way

A Standard Group Plan
  • Community-rated — priced the same regardless of how healthy your team actually is
  • Generic small-group tiers picked off a rate sheet, not built around your team
  • Paperwork and enrollment handled in-house, on top of everything else you do
  • One point of contact for questions: you
Medically Underwritten PPO
  • Priced around your team's actual health profile — often meaningfully lower for a healthy group
  • One advisor comparing 50+ carriers, including private $0 deductible PPO options
  • We handle quoting and enrollment paperwork end to end
  • Zero cost to you — carriers pay us directly
Slide 3 / 5 — Our Process

Here's Exactly How It Works

01
The Business

Size, industry, and budget — a short conversation.

02
The Team

A simple sheet of who needs coverage.

03
The Quotes

Real options, compared side by side.

04
Everyone Insured

We handle enrollment. You're done.

Slide 4 / 5 — The Payoff

Why a Healthy Team Usually Comes Out Ahead

~50% Less

Employers with a healthy team who move from a standard community-rated group plan to a medically underwritten private PPO plan typically see meaningfully lower premiums and employee out-of-pocket costs, often with equal or better coverage.

*Illustrative example based on typical scenarios we see — not a guarantee. Actual savings depend on group size, location, your team's health profile, and the plans available. We'll show you real numbers once we look at your business.

Slide 5 / 5

See What This Looks Like For Your Team

No commitment — just a straightforward look at your options.

Book a Free Consultation Get a Group Quote
Why Employers Choose Us

Same process, none of the overhead

Zero Cost to You

Carriers pay us directly. You get a dedicated advisor for your group plan at no added cost.

One Point of Contact

One advisor for your whole team — not a call center rotation every time something changes.

50+ Carriers Compared

We shop the full market for your group — private and marketplace options — not just one carrier's menu.

Annual Renewal Review

As your team grows or changes, we proactively re-shop your plan every renewal.

Ready to see numbers specific to your team?
Book a free 30-minute call — no commitment, no pressure.
Book a Free Consultation Get a Group Quote
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