CBX Offers:

Everything you need in a single solution for your ancillary employee benefits

  • Comprehensive portfolio of plans from Premier National Carriers
  • A variety of Group and Voluntary options that enable you to tailor a benefits package to meet your needs.
  • NO MINIMUMS on voluntary products – Most guarantee issue!
  • Simplified enrollment, administration and billing services

Personal service and support from your dedicated Benefits Consultant Link Hirst at Q & A Insurance.
His phone number is (800) 437-8770 and you can email him at link@qaim.com.

Easy integration with your existing medical benefits

You choose the plans, We bring the service!

Our Current Products and Services include:

Medical – Group

Providing healthcare benefits for your employees is an important business decision. As the exclusive broker for the CBX, we are focused on addressing your concerns and understanding your benefit objectives. We work with all California carriers, both in the direct market and in the small business exchange of Covered California™ (SHOP) to offer the best guarantee issue options available. We want your employees to be healthy. To this end, our services include valuable employee communications and enrollment meetings to help ensure that your employees understand their benefits and can make the best use of them. Please contact your Benefits Consultant about additional value added services and more :

  • Long Term Strategies to control health plan costs
  • Customized Employee enrollment tools and meetings
  • HR Solutions and consultation
  • COBRA / HIPAA consulting and strategy
  • Employee Claims Assistance

metlife-logoMetLife Dental – Group and Voluntary

Dental cleanings and other preventive care NOW can help you avoid expensive dental problems and costly treatments in the future. The California Builders Exchanges Insurance Trust (CBX) chose MetLife because the carrier has more than 50 years of experience in offering Dental Benefits. Their broad national network also means greater access to thousands of general dentists and specialists. The CBX offering includes the following features –

  • 7 plans to choose from, including 1 voluntary PPO and 1 DHMO dental plan
  • Options with Adult & Child Orthodontia are available
  • Competitive Group Rates through CBX’s purchasing power
  • With these PPO plans, freedom to visit any dentist regardless of network status and still receive benefits
  • Less Paperwork with easy access to pre-treatment estimates and real-time claims processing

Vision – Group and Voluntary

We Have Two Carriers To Choose From – Take Your Pick

vps-logoVision Service Plan (VSP) Group Vision

The nation’s leading provider of eye care wellness benefits. More than 48 million members receive VSP coverage through their employers. The VSP network is so comprehensive that more than 90% of members have access to a VSP doctor within 10 miles of their homes. The Builders Exchange offers three vision plans with VSP, all include the option to add ProTec Safety Glasses.

anthemBlue View Voluntary Vision

Blue View Vision’s network includes 45,000 provider locations. Their private network of doctors also includes retail providers such as LensCrafters, Sears Optical and others – providing quality eye care, quickly and conveniently. Low rates and no minimum enrollment required.

Chiropractic & Acupuncturelandmark-logo_cropped_b

With a statewide network of over 1,800+ credentialed providers, Landmark Healthplan is the only licensed specialty health services plan in California offering chiropractic and acupuncture plans directly to employers. Join the millions of Californians who have not only found relief from back and neck pain but also a holistic approach to wellness with an all-natural, drug-free approach to healthcare.  For just a few dollars per month and with no deductibles or coinsurance, your employees can take advantage of these natural treatments.  Two chiropractic and two combined chiropractic/acupuncture plans are available. To find a provider, click here.

hyat-legalPre-paid Legal Services

Finding an affordably priced lawyer to represent you when you have trouble with creditors, buy or sell your home, or even prepare your will can be a challenge. Now there’s a smart, simple, affordable solution – MetLaw® , administered by Hyatt Legal Plans. MetLaw is a legal services plan that provides legal representation for you your spouse and dependents at a price that won’t break your budget. With more than 12,000 experienced Plan Attorneys nationwide, MetLaw gives you peace of mind…Legal advice is just a phone call away. Want to learn more? Visit info.legalplans.com and enter access code GETLAW or call Hyatt’s Client Service Center at 1-800-821-6400. (Monday-Friday, 8am to 7pm EST)

LegalShield Employee PlansLegalShield logo - B&W test_b

Legal Service Plan

The LegalShield legal plan currently protects over 3 million people.  For a low monthly fee, LegalShield members get uncomplicated and affordable access to qualified attorneys to assist with an unlimited number of personal legal issues.  Whether it is big, small or somewhere in between, your LegalShield provider law firm will be there to offer advice or assistance on a variety of everyday legal issues such as family matters, estate planning, financial and business issues, consumer protection, tax, real estate, benefits disputes and auto/driving issues. For more information about the legal plan and the dedicated attorney network or to purchase online click here.

Identity Theft Shield

Identity theft affects millions of Americans each year. LegalShield offers two high quality identity theft plans. LegalShield Identity Theft Plan provides standard identity monitoring and the Identity Theft Premium Plan has more comprehensive monitoring. Best of all, both services provide Comprehensive Identity Restoration Services through licensed private investigators at Kroll, the world leader in risk management. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred. Coverage protects you, your spouse and up to 8 dependent children under the age of 18 for the same low monthly fee. Click Here to learn more about the Identity Theft Shield plans or to enroll online.


Going to see a doctor does not have to be difficult or expensive – There is a better way to get the medical care you need! CADR+ is an innovative new Health- care program that enables you to use your phone or PC to talk to a U.S. based, trained and board certified doctor within minutes and avoid high cost trips to the doctors office, urgent care or emergency room. Unlimited, 24/7 access for your entire family costs a fraction of the cost of a single office visit – with no copays! With the ability to get prescriptions, diagnosis and treatment plans, 91% of people who call, do not need a follow-up appointment. To learn more about this Healthcare solution and other personal services included, go to www.getcadrplus.com/cbx

colonial-lifeInsurance provided by Colonial Life

Accident Insurance

Accidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. Colonial Life’s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, copayments and out-of-pocket costs related to an accidental injury. Click here for a brochure.

Critical Illness Insurance.

Could you survive financially if you suffered a serious illness? Fortunately, the odds of surviving a critical illness are in your favor. But could you afford the unexpected, extraordinary expenses that health insurance doesn’t cover without draining your savings account or relying on others for financial support? With Colonial Life’s Critical Illness Insurance you can! GUARANTEE ISSUE OPTIONS. Click here for a brochure.

Short Term Disability Insurance

As a member of California Builders Exchanges or CBX you have access to Colonial Life’s Disability Insurance as a Guaranteed Issue! Disability Insurance is an individual, short-term disability income plan that is sold via payroll deduction at the workplace. Guaranteed Issue up to $1,000 per month for six months of coverage. Need more coverage? Additional cash benefits and coverage periods are available with medical underwriting. Click here for a brochure.

Hospital Confinement Insurance

How will you cover all of your medical expenses? Larger deductibles. Higher co-payments. You may be left with more out-of-pocket costs. Colonial Life’s Hospital Confinement Indemnity Insurance plan can help protect you from the out-of-pocket expenses related to a covered accident or covered sickness. Click here for a brochure.

Universal Life with LTC Rider

Colonial Life’s Universal Life insurance policy offers flexible premiums and death benefit amounts while building cash value that can be accessed when needed. The Long Term Care rider advances a portion of the universal life policy’s death benefit to the insured to provide monthly payments for qualified long-term care services, whether in a LTC facility or under Home Care Click here for a brochure.

Term Life – Group and VoluntaryUnum_black_156X53

Whatever your financial responsibilities, protecting your loved ones is a priority. Even if you already have basic life insurance, it may not be enough. Life insurance through CBX, provided by Unum, can be an affordable and easy way to help strengthen your financial safety net and secure the protection your family deserves. Available Unum products through CBX include:

Group Term Life Insurance with EAP and Worldwide Emergency Travel Assistance

Our unique insurance offering for CBX members includes two valuable features with our group term life benefits. The work-life balance employee assistance program (EAP) provides confidential* counseling and referral services to assist your employees with the problems of everyday life. The Worldwide Emergency Travel Assistance Program provides a full range of services for any emergency situation to both employees and their families** – 24 hours a day, 365 days a year.

For more information about plan benefits, limitations and exclusions, please refer to the Unum EAP flyer and Worldwide Emergency Travel Assistance Flyer.

Optional Voluntary Term Life

Offers additional protection beyond your basic term life coverage. Through the CBX, you are eligible for guaranteed issue options at competitive group rates.


*  The consultants must abide by federal regulations regarding duty to warn of harm to self and others.

    In these instances the consultant may be mandated to report a situation to appropriate authority.

** Spouses traveling on business for their employers are not eligible for services.

Work-life balance employee assistance program services are provided by Ceridian HCM.  Worldwide emergency travel assistance services are provided by Assist America, Inc.  Services are available with select Unum insurance offerings. Terms and availability of service are subject to change and prior notification requirements. Service providers do not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.


Employees must be a U.S. citizen or legally authorized to work in the U.S. to receive coverage.  Spouses and dependents must live in the U.S. to receive coverage.

The policies have exclusions and limitations which may affect any benefits payable.

Underwritten by:  Unum Life Insurance Company of America, Portland, Maine

 Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.  Unum complies with state civil union and domestic partner laws when applicable. CE-13766 (10-14)