What we offer
Coverage for Every Stage of Your Employees' Lives
From group health and supplemental policies to fractional HR, HR software solutions, HRMS, and medical savings plans — Sandra Consulting builds the right people strategy for your team and budget.
Group Health Benefits
The foundation of any strong benefits package. We source, design, and manage competitive group medical plans from top carriers — benchmarking your options, negotiating rates, and guiding employees through enrollment.
Group Medical Insurance
Comprehensive major medical coverage for your entire workforce, with options across HMO, PPO, and HDHP plan designs.
ACA Marketplace Plans
Guidance on Affordable Care Act compliance and Marketplace plan options for businesses of all sizes.
Individual Health Plans
For employees who need coverage outside the group plan — we find the right individual option for their situation.
Dental & Vision Plans
Standalone or bundled dental and vision coverage that employees actually use. We source competitive plans from leading carriers and handle all enrollment and renewal management.
Group Dental Insurance
Preventive, basic, and major dental coverage — including orthodontia options — to keep your team smiling.
Group Vision Insurance
Annual eye exams, frames, lenses, and contact lens allowances through top vision networks.
Life & Disability Insurance
Protect your employees' income and their families' financial security. We design life and disability programs that provide real peace of mind — not just a checkbox on an enrollment form.
Group Life Insurance
Employer-paid or voluntary group term life coverage to protect employees' families.
Short-Term Disability
Income replacement for employees who are temporarily unable to work due to illness or injury.
Long-Term Disability
Extended income protection for serious conditions that keep employees out of work for months or years.
Supplemental Policies
Major medical doesn't cover everything. Supplemental policies fill the gaps — paying cash benefits directly to employees when they face a serious diagnosis, accident, or hospital stay.
Cancer Insurance
Lump-sum or ongoing cash benefits to help employees manage the financial burden of a cancer diagnosis.
Accident Insurance
Benefits paid directly to employees for injuries from covered accidents — ER visits, fractures, dislocations, and more.
Critical Illness Insurance
A lump-sum benefit paid upon diagnosis of a covered critical illness such as heart attack, stroke, or organ failure.
Hospital Indemnity Insurance
Daily or per-admission cash benefits to offset out-of-pocket costs during a hospital stay.
Medical Savings Plans
Help employees stretch their healthcare dollars further with pre-tax savings accounts. We guide plan design, IRS compliance, and employee education so your team gets the most out of every dollar.
Health Savings Account (HSA)
A triple-tax-advantaged account paired with a high-deductible health plan — contributions, growth, and qualified withdrawals are all tax-free.
Flexible Spending Account (FSA)
Pre-tax dollars set aside for eligible medical, dental, and vision expenses — reducing taxable income for both employees and employers.
HR Support & ACA Compliance
Benefits administration is only part of the picture. We provide hands-on HR support and compliance expertise to keep your business protected and your employees informed — in English and Spanish.
ACA Compliance & Reporting
We manage your ACA obligations — tracking eligibility, preparing 1094/1095 filings, and keeping you audit-ready.
Open Enrollment Management
End-to-end enrollment support: communications, employee meetings (in English & Spanish), carrier coordination, and deadline tracking.
HR Advisory Support
Ongoing guidance on benefits strategy, employee communications, and regulatory changes that affect your workforce.
Fractional HR
Get experienced HR leadership that scales with your business. Our fractional HR support gives you practical, strategic guidance without the overhead of a full-time executive hire.
Strategic HR Leadership
A trusted HR partner to help shape people strategy, workforce planning, and the systems your growing business needs.
Policies & Employee Relations
Practical support for employee handbooks, workplace policies, performance conversations, and day-to-day people challenges.
HR Operations Support
Flexible support for onboarding, offboarding, benefits coordination, compliance tasks, and HR process improvement.
HR Software Solutions & HRMS
The right technology makes HR easier. We help you evaluate, implement, and optimize HR software and HRMS platforms that bring your people, payroll, benefits, and data together.
HRMS Selection & Implementation
Choose and launch an HR management system that fits your team, workflows, budget, and growth goals.
Payroll & Benefits Integration
Connect payroll, benefits administration, time tracking, and employee records to reduce manual work and improve accuracy.
HR Technology Optimization
Improve adoption, reporting, onboarding workflows, and day-to-day use of your existing HR software tools.
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Not sure which coverage is right for your team?
Sandra will walk you through every option — from benefits coverage to fractional HR and HR software solutions — in English or Spanish, and build a plan that fits your workforce and your budget. No pressure, no jargon.