Premium Healthcare Solutions for KW Northern California & Hawaii Agents & Their Families

Getting the coverage you need at a price you can afford can be tough. Choosing the right health plan can feel overwhelming. KW Northern California & Hawaii is committed to delivering the best for our agents—that’s why we’ve joined forces with Gemstone Insurance Solutions, a trusted advisor with expertise in working with entrepreneurs like you. Gemstone Insurance Solutions will work with you to help identify the plans that best meet the needs of you and your family. By scheduling a consultation, you’ll be able to speak directly with someone knowledgeable about the industry, who understands the ins and outs of the variety of plans available.

Take the next step with confidence!

Solutions to Meet Your Needs

As part of the KW Northern California & Hawaii Region, you have access to myKWagentbenefits.com, a selection of insurance plans at a variety of price points curated with independent contractors in mind. The chart below offers a brief description of the various plans available. We recommend you schedule time with a healthcare concierge to best determine the plan that meets your needs.

Choose between Major Medical or Healthshare plans.

Major Medical

Major Medical health insurance is a type of health insurance that covers a broad range of healthcare services to protect you from high medical costs. It typically includes coverage for hospital stays, surgeries, doctor visits, prescription medications, and preventive care. This insurance is designed to help pay for both routine and unexpected medical expenses, ensuring that you have financial support when you need significant medical treatment.

LifeX Plans

The plan was designed to offer protection for unforeseen events that could make a financial impact.

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  1. PHCS PPO Network Plans

  2. Cigna PPO Network Plans

  3. Limited Medical Benefit Plans

PSM Plans

  1. PHCS PPO Network Plans

  2. BCBS PPO/EPO Network Plans

  3. Limited Medical Benefit Plans

Vault Captive Plans

This plan was designed for occasional for unforeseen events such as surgery or illness only.

  1. PHCS Network Plans

  2. Nationwide PPO Network

Healthshare Plans

Major Medical health insurance is a type of health insurance that covers a broad range of healthcare services to protect you from high medical costs. It typically includes coverage for hospital stays, surgeries, doctor visits, prescription medications, and preventive care. This insurance is designed to help pay for both routine and unexpected medical expenses, ensuring that you have financial support when you need significant medical treatment.

Healthshare Essential Co-pay

The plan was designed to offer protection for unforeseen events that could make a financial impact.

  1. Doctor / Specialist Visits

  2. Preventative Care

  3. Nationwide PPO Network

  4. Telemedicine at $0 copay

Healthshare Essential HSA

This plan was designed for occasional for unforeseen events such as surgery or illness, and preventive and additional sharing allowances.

  1. Catastrophic Coverage

  2. Nationwide Coverage

  3. Preventive sharing allowance

Start Protecting Your Health Today

KWSE Agent Benefits is open to all licensed real estate professionals through KWSE, and you can sign up at any time—no need to wait for an Open Enrollment period! Throughout this site, you’ll notice that KWSE's collaborator, Global Benefits Partners, has selected a variety of vendors to meet your insurance needs.

To easily enroll, we recommend you schedule a consultation with a Global Benefits Partners advisor. Follow the steps below to get started

KW Northern California & Hawaii Region has partnered with Gemstone Insurance Solutions and to represent various insurance carriers to provide medical, dental, vision, term life, and other insurance and related products to agents and staff of KW Northern California & Hawaii Region. Consumers, but not in selling, soliciting or negotiating insurance products. KW Nothern California & Hawaii Region does not represent, and will not provide assistance or recommendations to, any agent or staff regarding insurance coverage terms and conditions. Participation in the Program is 100% optional, and KW Northern California & Hawaii Region do not assume any responsibility as to the suitability of insurance products purchased.

Questions regarding medical, dental, and vision products should be directed to Gemstone Insurance Solutons at (929) 249-0857.

Getting the coverage you need at a price you can afford can be tough. Choosing the right health plan can feel overwhelming. KW Northern California & Hawaii (myKW Agent Benefits) is committed to delivering the help you need.

Address

41 Waverly Court

Wading River, NY 11792

Phone

‍((929) 249-0857

Others

©2025 KW Northern California & Hawaii Region (myKW Agent Benefits). All rights reserved.

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