Fourth Street Insurance Services

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August is National Wellness Month, and it’s a great reminder of how important it is for employers to support overall wel...
08/27/2026

August is National Wellness Month, and it’s a great reminder of how important it is for employers to support overall well‑being. One of the most impactful ways to do that is by choosing group health insurance and employee benefits that truly meet both your business needs and your team’s expectations.

We put together a simple, plain‑language breakdown of your main group coverage options so you can feel confident navigating what makes the most sense for your company.

If you’re rethinking your current group health insurance or starting to plan ahead for next year, we’re always here to walk you through your choices and answer questions.

Selecting the best health insurance for your team is more than a compliance box to check — it's a way to invest in your ...
08/17/2026

Selecting the best health insurance for your team is more than a compliance box to check — it's a way to invest in your employees' well-being and satisfaction. Swipe through for key insights on how to make an informed choice.

Have questions or want to explore your options? Contact our team today. We are here to help!

Small group health insurance plans are designed specifically for businesses with as few as two employees (including the ...
08/12/2026

Small group health insurance plans are designed specifically for businesses with as few as two employees (including the owner) to those with up to 50 employees — and they can be a smart way to support both your team and your bottom line.

Here’s why small group benefits are worth exploring:

✅ Lower costs compared to individual plans
✅ More competitive, comprehensive coverage
✅ Potential tax perks (including up to a 50% tax credit for eligible employers)
✅ Happier, healthier employees who feel valued

If you’re a small business owner or part of a team that might qualify, now’s a great time to explore your options. Give us a call today. We’d be happy to help you compare plans and find the right fit for your team.

Building a strong employee benefits package goes beyond medical coverage, and adding group dental can make a meaningful ...
08/04/2026

Building a strong employee benefits package goes beyond medical coverage, and adding group dental can make a meaningful difference for your team.

Group dental plans are often more affordable than many employers expect. Most options run between $9 and $14 per employee per month, depending on the plan design and contribution structure. That makes dental a cost‑effective way to boost your overall benefits strategy and support employee well‑being.

If you're reviewing your benefits or thinking about adding group dental coverage, our team is here to help you explore your options and choose what fits your goals best.

Have questions about group health insurance or employee benefits? Let us know!

Healthy teams drive strong businesses! Offering comprehensive group health benefits not only supports your employees' we...
07/31/2026

Healthy teams drive strong businesses! Offering comprehensive group health benefits not only supports your employees' well-being but also boosts morale, productivity, and retention.

Discover how the right benefits package can make a difference — contact us today for tailored guidance for your business and its unique needs!

As temperatures rise, staying hydrated becomes even more important! 💧☀️During the summer months, make sure you:• Drink w...
07/29/2026

As temperatures rise, staying hydrated becomes even more important! 💧☀️

During the summer months, make sure you:
• Drink water regularly throughout the day
• Keep a bottle with you when you're on the go
• Replenish electrolytes if you're spending time outdoors
• Watch for signs of dehydration like headaches or fatigue

Your health and safety matter—enjoy the sunshine and stay hydrated all season long!
– 4th Street Insurance Agency

As you’ve likely seen, group health plan costs continue to rise. Higher premiums are being driven by medical trend incre...
07/21/2026

As you’ve likely seen, group health plan costs continue to rise. Higher premiums are being driven by medical trend increases, pharmacy costs, and changes in utilization. Because of this, many employers are facing increased budget pressure while trying to support their employees and manage expectations during renewal periods.

The good news is that controlling costs doesn’t have to mean reducing benefits or shifting more expenses to employees. The real objective is to improve your cost-to-coverage ratio and ensure that every dollar spent delivers meaningful value.

Swipe for a few key methods to help you evaluate and manage rising health plan costs.

If rising health care costs are creating uncertainty for your organization, feel free to schedule a consultation. I’m happy to review your current strategy and identify practical ways to improve efficiency without unnecessary disruption.

Did you know that having high-quality benefits directly affects how well your business can attract and retain top talent...
07/16/2026

Did you know that having high-quality benefits directly affects how well your business can attract and retain top talent?

A unique benefit that could set you apart: adding orthodontic insurance to your group benefits plan. Here's why it's a game-changer:

✅ Orthodontic treatments can be incredibly expensive, with braces costing a minimum of $3,000 out of pocket. With the right dental insurance coverage, you can alleviate this financial burden for your employees.

✅ Monthly premiums for orthodontic insurance vary based on coverage levels and plan type. In an analysis done by Investopedia, premiums typically ranged from as low as $7 for an HMO plan to $94 for a PPO plan. Offering affordable coverage options demonstrates your commitment to employee well-being.

Investing in your employees' dental health is investing in your company's success. Reach out to us to learn how adding orthodontic insurance to your group benefits plan can benefit your organization and your team members.

The dog days of summer are here, and we are just stopping by to say hello! We hope you’re soaking up the sun, catching a...
07/07/2026

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.

As we support employers with group health insurance and employee benefits, we’re always mindful of the importance of saf...
07/02/2026

As we support employers with group health insurance and employee benefits, we’re always mindful of the importance of safety and well‑being. With the July 4th weekend coming up, we want to remind everyone to take a few extra precautions while celebrating.

Our office will be closed on Friday, July 3, in observance of Independence Day and will reopen on Monday, July 6.

We hope you and your teams enjoy a safe, relaxing holiday weekend!

Address

Fullerton, CA
92832

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 1:30pm

Telephone

+17148793700

Website

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