Caldex Health · Oviedo, Florida
Small business health insurance for Central Florida employers.
From Orlando and Oviedo to Sanford, Kissimmee and Melbourne, we help local employers offer real health benefits without the surprise renewals. Group plans, ICHRA, list billing and supplemental benefits, all from one local advisor.
How we can help
ITH SmartCare group plan
One shared major medical plan on the Cigna network, with three plan levels. Requires a minimum of 5 enrollments.
ICHRA
You set a fixed monthly allowance and each employee chooses their own plan. Your budget stays predictable.
List billing and supplementals
One bill, priced by age, plus dental, vision, accident, disability and term life.
Why Central Florida employers are shopping their benefits
Renewals keep rising, and small teams rarely get more than one or two options from their current agent. We compare several structures side by side, run enrollment and stay on your account every year.
Group coverage typically takes about 30 to 45 days to set up before the start date, so it pays to start early. Across our client companies, we help cover more than 5,000 employees.
Common questions
How many employees do I need?
It depends on the structure. The ITH SmartCare group plan requires at least 5 enrollments. List billing and ICHRA can work for smaller teams.
How long does setup take?
Typically about 30 to 45 days before the coverage start date.
Do you work with my CPA?
Yes. We coordinate with your CPA or payroll provider on anything that affects taxes or payroll.
Get a free benefits review for your business
Free, no pressure, and you'll talk to a licensed advisor, not a call center.
Book a free 30-minute review