Employees Health Insurance Services

What Employees Health Insurance Services does

Employees Health Insurance Services, Inc. (EHIS) is a privately held California-licensed insurance services company founded in 1976, headquartered in Del Mar, California (License #0442445). The company sells individual, couple, and family dental and vision insurance plans directly to consumers, organized into two bundled product lines: Two-For-One Plans (Basic, Premium, VIP Advantage) combining dental and vision, and Three-For-One Plans (Supreme Plus, Elite Advantage, Excel Plus, Super Smile Plus) adding the RxCut prescription discount card. Five standalone vision-only plans (Plan A, Plan B, Standard, Standard Plus, Crystal Clear) round out a 13-plan catalog. Premiums range from $220/year (Basic individual) to $175/month (Super Smile Plus family), with no deductibles and acceptance of pre-existing conditions as key positioning.

The business model is direct-to-consumer subscription recurring revenue, with applications accepted via printable PDFs submitted by mail, email, fax, or phone (858-481-8990). Marketing is primarily through the ehisinc.com website, available in English, Spanish, and eight Asian languages (Chinese, Filipino, Indonesian, Japanese, Korean, Malay, Thai, Vietnamese) to reach California's uninsured and immigrant communities, including Medi-Cal recipients with Share of Cost obligations who need supplemental benefits. Customer acquisition has no intermediary brokers.

EHIS does not own a proprietary technology platform; plan administration and provider networks are outsourced through three core partnerships: Vision Plan of America, California Dental Network, and Liberty Dental (the last specifically for the Super Smile Plus plan). Two minor partnerships (Qualsight for LASIK preferred pricing and RxCut for prescription discounts) supplement the value proposition. Operations are lean with 1-10 employees and no public funding rounds, M&A activity, or disclosed financials.

Name

Employees Health Insurance Services

Legal name

Employee's Health Insurance Services, Inc.

Website

https://ehisinc.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1–10 employees

Short description

Employees Health Insurance Services (EHIS) is a privately held California-licensed insurance provider founded in 1976 that sells individual, couple, and family dental and vision insurance plans directly to consumers, with a focus on California's uninsured population and Medi-Cal Share of Cost recipients.

Ownership category

akta.pro rank

Product category

Dental and Vision Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Dental & Vision Plans (FSAIAHAI)

akta.pro secondary industries

Stand-Alone Dental Plans (Individual/Family) (HLAEAIAF), Dental Insurance (FSAIAHAA), Dental Discount Plans (Non-Insurance) (FSAIAHAD)

Keywords

• Dental insurance plans
• Vision insurance plans
• Prescription discount programs
• Individual health coverage
• Supplemental benefits

Headquarters

HQ city

Del Mar

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Individual/Family Insurance Premiums: Subscription-based insurance premiums charged monthly or annually for dental, vision, and prescription discount benefit plans. Plans offered include 2-for-1 (dental + vision) and 3-for-1 (dental + vision + Rx) bundled coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Employees Health Insurance Services (EHIS, Inc.) sells direct-to-consumer dental and vision insurance plans to individuals, couples, and families in California, with bundled prescription drug discount coverage available on Three For One plans. Plans are offered with guaranteed enrollment, no waiting periods, no claim forms, and no deductibles, and are administered through partner networks including Vision Plan of America, California Dental Network, and Liberty Dental. Pricing is structured as flat recurring monthly or annual premiums per plan tier and coverage level.

Product overview

Employee's Health Insurance Services (EHIS Inc.) is a California-licensed health insurance services company (License #0442445) offering a portfolio of dental and vision insurance plans designed for individual, couple, and family coverage. The product portfolio is organized into two sub-brands: Two For One Plans (dental + vision bundled coverage) and Three For One Plans (dental + vision + prescription coverage). Two For One Plans include Basic, Premium, and VIP Advantage. Three For One Plans include Supreme Plus, Elite Advantage, Excel Plus, and Super Smile Plus, all incorporating the RxCut prescription discount card. Additionally, the company offers standalone Vision Only plans including Plan A, Plan B, Standard, Standard Plus, and Crystal Clear. All plans include access to the Qualsight LASIK preferred pricing program. Plans are administered through partnerships with Vision Plan of America, California Dental Network, and Liberty Dental.

Differentiator

Problem solved

Functional benefit

Products and services

• Basic Plan Entry-level dental and vision insurance plan with basic coverage including office visits, oral exams, X-rays, cleanings, fillings, extractions, eye exams, and lenses at discounted member rates. Billed annually for individual, couple, or family coverage.
• Premium Plan Mid-tier dental and vision plan offering enhanced coverage with lower copayments than the Basic plan, including comprehensive exams, restorative procedures, and vision lens options. Billed annually.
• VIP Advantage Plan Two-for-one dental and vision bundled plan offering the most comprehensive two-plan coverage with $0 copayments for most preventive services including exams, cleanings, X-rays, and standard lenses. Billed annually.
• Supreme Plus Plan Three-for-one bundled plan combining dental, vision, and prescription drug coverage (RxCut) with enhanced restorative benefits including crowns, root canals, and teeth whitening. Billed monthly.
• Elite Advantage Plan Premium three-for-one plan offering dental, vision, and prescription coverage with the lowest member copayments for major procedures and includes a free RxCut discount card with laboratory and imaging savings. Billed monthly.
• Excel Plan Dental and vision plan with comprehensive coverage for preventive care and restorative procedures at moderate member cost-sharing rates. Billed annually.
• Excel Plus Plan Three-for-one bundled plan featuring dental, vision, and prescription drug benefits with the RxCut discount card for additional savings on medications and lab services. Billed monthly.
• Super Smile Plus Plan Three-for-one dental, vision, and prescription plan administered by Vision Plan of America and Liberty Dental, offering the lowest dental copayments including $0 fillings and extractions, plus a $150 frame allowance. Billed monthly.
• Plan A (Vision Only) Standalone vision insurance plan providing coverage for eye exams, lenses, frames, and optional LASIK access through the Qualsight preferred pricing program.
• Plan B (Vision Only) Standalone vision insurance plan offering comprehensive eye care benefits including exams, prescription lenses, frames, and access to discounted LASIK surgery.
• Standard (Vision Only) Basic vision-only plan covering eye examinations and standard eyewear with member cost-sharing for lenses and frames.
• Standard Plus (Vision Only) Enhanced vision-only plan with improved benefits over the Standard plan, including higher allowances for frames and additional lens options.
• Crystal Clear (Vision Only) Premium vision-only plan offering comprehensive eye care coverage with extensive lens customization options and enhanced frame allowances.

Quantifiable outcome

• 40-50% savings on LASIK procedures through Qualsight Preferred Pricing Program
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Vision Plan of AmericacoreStrategic or Co-development PartnerPlan administrator for dental and vision benefits. Provides network of participating providers, customer service line (1-800-400-4VPA), and plan administration services. Handles grievance procedures and member support.
• California Dental NetworkcoreStrategic or Co-development PartnerDental network administrator for EHIS plans. Provides participating dental provider network and claims administration for standard plans.
• Liberty DentalcoreStrategic or Co-development PartnerDental network administrator specifically for Super Smile Plus plan. Provides dental provider network and specialized plan administration.
• RxCutminorOthersPrescription discount card program offering savings on generic and name brand drugs, imaging, laboratory services, and pet medications. Accepted at major pharmacies including CVS, Walgreens, Walmart, Costco, Kroger, Target, and others. Free benefit for Elite Advantage, Excel Plus, and Super Smile Plus members.

Scale indicators1 record

Recent moves2 records

Expansion highlights4 records

Emerging players

• 1Dental (Careington): Direct-to-consumer dental savings and discount plan provider, plus limited traditional dental insurance. Comparable to EHIS's discount-plan economics on the RxCut/Premium side, targeting cost-sensitive individual buyers.
• DentalPlans.com: Dental savings plan marketplace offering alternative-to-insurance discount programs for individuals and families. Comparable to EHIS's no-waiting-period, no-underwriting positioning on the discount side of the market.

Direct peers

• Ameritas Dental: Insurance carrier with strong individual/family dental and vision plan offerings, including network-based PPO and indemnity options. Comparable to EHIS in serving individual buyers outside employer groups.
• Spirit Dental & Vision: Direct-to-consumer dental and vision insurance carrier focused on individual and family plans with no waiting periods. Closely comparable to EHIS in target customer (individuals, families, uninsured) and product structure (bundled dental + vision, pre-existing conditions accepted).
• Guardian Direct: Guardian's direct-to-consumer dental and vision insurance arm selling individual plans online. Competes head-to-head with EHIS for the same individual/family dental + vision buyer with a digital-first enrollment experience.

Broad incumbents

• Anthem Blue Cross Dental: California-focused arm of Anthem offering dental and vision add-ons to individual health plan members. Comparable geographic focus on California but competes as a multi-line incumbent.
• Delta Dental of California: California's largest dental benefits carrier, offering individual, family, and group dental plans through extensive provider networks. Overlaps directly with EHIS on California individual/family dental coverage but operates at massive scale with full underwriting capability.
• Humana Dental: Major national insurer offering individual dental and vision plans in many states including California. Comparable on product set but operates as a broad incumbent across many lines of coverage and group/individual segments.
• MetLife Dental: National carrier offering individual dental insurance plans in multiple states including California. Comparable bundled dental + vision product structure but as part of a broad multi-line insurance portfolio.
• Cigna Dental: National carrier offering individual and family dental coverage through broker and direct channels. Comparable benefit structure (dental + vision add-ons) but at vastly larger scale and broader geographic reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Employees Health Insurance Services