# Maxwell Agency Insurance Services > Maxwell Agency Insurance Services Costa Mesa CA | (949) 298-6746 ## Pages - [The Technology Gap](https://www.maxwellagency.com/the-technology-gap/) - [LTM Travel Insurance Landing Page](https://www.maxwellagency.com/travel-insurance-coverage/) - [LTM Group Health Landing Page](https://www.maxwellagency.com/california-group-health-insurance/) - [LTM Thank You Group Health](https://www.maxwellagency.com/thank-you-group-health/) - [TPA's | COBRA / FSA / HRA / HSA](https://www.maxwellagency.com/tpas-cobra-fsa-hra-hsa/) - [Payroll Integration](https://www.maxwellagency.com/payroll-integration/) - [Maxwell Insurance Front Page](https://www.maxwellagency.com/) - [](https://www.maxwellagency.com/26720-2/) - [Travel Insurance](https://www.maxwellagency.com/travel-insurance/) - [Costa Rica Travel Insurance](https://www.maxwellagency.com/costa-rica-travel-insurance/) - [Total Compensation Statements](https://www.maxwellagency.com/total-compensation-statements/) - 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[Cyber Liability](https://www.maxwellagency.com/business/cyber-liability/) - [Blog](https://www.maxwellagency.com/blog/) - [Commercial Insurance](https://www.maxwellagency.com/business/) - [Personal Insurance](https://www.maxwellagency.com/personal/) - [Dave Ramsey ELP](https://www.maxwellagency.com/dave-ramsey/) - [Travel Insurance](https://www.maxwellagency.com/personal/travel-insurance/) - [Restaurant Insurance](https://www.maxwellagency.com/business/restaurant-insurance/) - [Disability Insurance](https://www.maxwellagency.com/personal/disability-insurance/) - [Home Healthcare Insurance](https://www.maxwellagency.com/business/home-healthcare-insurance/) - [Hospital Indemnity Insurance](https://www.maxwellagency.com/business/hospital-indemnity-insurance/) - [Medicare Prescription Drug Plans](https://www.maxwellagency.com/personal/medicare-prescription-drug-plans/) - [Medicare Advantage Plans](https://www.maxwellagency.com/personal/medicare-advantage-plans/) - [Medicare Supplement Insurance](https://www.maxwellagency.com/personal/medicare-supplement-insurance/) - [Lenders](https://www.maxwellagency.com/lenders/) - [Church Insurance](https://www.maxwellagency.com/business/church-insurance/) - [Long Term Care Insurance](https://www.maxwellagency.com/personal/long-term-care-insurance/) - [Fitness & Gym Insurance](https://www.maxwellagency.com/business/fitness-gym-insurance/) - [Healthcare Facilities Insurance](https://www.maxwellagency.com/business/healthcare-facilities-insurance/) - [Golf Course & Country Club Insurance](https://www.maxwellagency.com/business/golf-course-country-club-insurance/) - [Medicare Insurance](https://www.maxwellagency.com/personal/medicare-insurance/) - [Group Insurance Benefits](https://www.maxwellagency.com/business/group-insurance/) - [Senior Insurance Products](https://www.maxwellagency.com/personal/senior-insurance-products/) - [Health Insurance](https://www.maxwellagency.com/personal/health-insurance/) - [General Liability Insurance](https://www.maxwellagency.com/business/general-liability-insurance/) - [Risk Management](https://www.maxwellagency.com/business/risk-management/) - [Financial Products & Services](https://www.maxwellagency.com/financial-products-services/) - [Garage Insurance](https://www.maxwellagency.com/business/garage-insurance/) - [EPLI Insurance](https://www.maxwellagency.com/business/epli-insurance/) - [Directors and Officers Insurance](https://www.maxwellagency.com/business/directors-officers-insurance/) - [Commercial Umbrella Insurance](https://www.maxwellagency.com/business/commercial-umbrella-insurance/) - [Business Property Insurance](https://www.maxwellagency.com/business/commercial-property-insurance/) - [Commercial Auto Insurance](https://www.maxwellagency.com/business/commercial-auto-insurance/) - [Cargo Insurance](https://www.maxwellagency.com/business/cargo-insurance/) - [Business Interruption Insurance](https://www.maxwellagency.com/business/commercial-interruption-insurance/) - [Contractors Insurance](https://www.maxwellagency.com/business/contractors-insurance/) - [Workers Compensation Insurance](https://www.maxwellagency.com/business/workers-compensation-insurance/) - [Carriers](https://www.maxwellagency.com/carriers/) - [Refer Friends & Family](https://www.maxwellagency.com/referrals/) - [Leave A Review](https://www.maxwellagency.com/reviews/) - [Start Your Quotes in Seconds](https://www.maxwellagency.com/quotes/) - [Billing & Claims](https://www.maxwellagency.com/billing-claims/) - [About Us](https://www.maxwellagency.com/about/) - [How can we help you?](https://www.maxwellagency.com/contact/) - [Business Insurance](https://www.maxwellagency.com/business/commercial-insurance/) - [Life Insurance](https://www.maxwellagency.com/personal/life-insurance/) - [Products](https://www.maxwellagency.com/products/) ## Posts - [Travel Insurance and Hurricane Season: What Actually Gets Covered, and When It's Too Late to Buy](https://www.maxwellagency.com/travel-insurance-and-hurricane-season-what-actually-gets-covered-and-when-its-too-late-to-buy/) - [HSA, FSA, and HRA Limits Are Changing in 2026 — What Small Employers Need to Know](https://www.maxwellagency.com/hsa-fsa-and-hra-limits-are-changing-in-2026-what-small-employers-need-to-know/) - [What Hurricane Season Means for Your Travel Insurance in 2026](https://www.maxwellagency.com/what-hurricane-season-means-for-your-travel-insurance-in-2026/) - [The Different Types of Coverage Inside a Travel Insurance Policy, Explained](https://www.maxwellagency.com/the-different-types-of-coverage-inside-a-travel-insurance-policy-explained/) - [Booking a Fall Caribbean or Gulf Coast Trip? Here's How Hurricane Season Affects Your Travel Insurance](https://www.maxwellagency.com/booking-a-fall-caribbean-or-gulf-coast-trip-heres-how-hurricane-season-affects-your-travel-insurance/) - [2027 Open Enrollment Checklist](https://www.maxwellagency.com/2027-open-enrollment-checklist/) - [Midyear Qualifying Events Cheat Sheet](https://www.maxwellagency.com/midyear-qualifying-events-cheat-sheet/) - [Health Plan Coverage for Employees on Leave](https://www.maxwellagency.com/health-plan-coverage-for-employees-on-leave/) - [Health Flexible Spending Accounts (FSAs)](https://www.maxwellagency.com/health-flexible-spending-accounts-fsas/) - [Managing Employee Benefits in Employment Separations](https://www.maxwellagency.com/managing-employee-benefits-inemployment-separations/) - [Form 5500 Deadline Is July 31 (Calendar Year Plans )](https://www.maxwellagency.com/form-5500-deadline-is-july-31-calendar-year-plans/) - [Workplace Violence Prevention Plan and Training Law ](https://www.maxwellagency.com/workplace-violence-prevention-plan-and-training-law/) - [Wrap Documents for Welfare Benefit Plans](https://www.maxwellagency.com/wrap-documents-for-welfare-benefit-plans/) - [Key Findings from Zywave’s 2023-24 Voluntary Benefits Benchmarking Overview](https://www.maxwellagency.com/key-findings-from-zywaves-2023-24-voluntary-benefits-benchmarking-overview/) - [Strategies to Address Barriers to Mental Health Benefits](https://www.maxwellagency.com/strategies-to-address-barriers-to-mental-health-benefits/) - [Employer-sponsored Health Insurance Premiums Rose to Nearly $24,000 for Family Coverage in 2023](https://www.maxwellagency.com/employer-sponsored-health-insurance-premiums-rose-to-nearly-24000-for-family-coverage-in-2023/) - [2024 Open Enrollment Checklist](https://www.maxwellagency.com/2024-open-enrollment-checklist/) - [Understanding Trend and the Impact on Employer Health Plan Renewal Rates](https://www.maxwellagency.com/understanding-trend-and-the-impact-on-employer-health-plan-renewal-rates/) - [Addressing the New Normal of Talent Shortages](https://www.maxwellagency.com/addressing-the-new-normal-of-talent-shortages/) - [The Differences Between Short- and Long-term Disability Insurance and COBRA](https://www.maxwellagency.com/the-differences-between-short-and-long-term-disability-insurance-and-cobra/) - [Strategies for Identifying and Resolving Gaps in Benefits Offerings](https://www.maxwellagency.com/strategies-for-identifying-and-resolving-gaps-in-benefits-offerings/) - [Quick Guide to Health Plans](https://www.maxwellagency.com/quick-guide-to-health-plans/) - [Open Enrollment Education Opportunities](https://www.maxwellagency.com/open-enrollment-education-opportunities/) - [COVID-19 National Emergency Ends Sooner Than Previously Announced](https://www.maxwellagency.com/covid-19-national-emergency-ends-sooner-than-previously-announced/) - [IRS Releases FAQs on Medical Expenses Related to General Health, Nutrition and Wellness](https://www.maxwellagency.com/irs-releases-faqs-on-medical-expenses-related-to-general-health-nutrition-and-wellness/) - [Determining Whether to Offer Multiple Health Plan Options](https://www.maxwellagency.com/determining-whether-to-offer-multiple-health-plan-options/) - [Benefit Insights | Dental Benefits](https://www.maxwellagency.com/benefit-insights-dental-benefits/) - [Preventive Care Toolkit](https://www.maxwellagency.com/preventive-care-toolkit/) - [Understanding Your Explanation of Benefits (EOB)](https://www.maxwellagency.com/understanding-your-explanation-of-benefits-eob/) - [What employers need to know about Medicaid redetermination and its impact on employees](https://www.maxwellagency.com/what-employers-need-to-know-about-medicaid-redetermination-and-its-impact-on-employees/) - [Understanding the Importance of Disability Benefits](https://www.maxwellagency.com/understanding-the-importance-of-disability-benefits/) - [How the End of the COVID-19 Emergency Periods Will Impact Health Plans](https://www.maxwellagency.com/how-the-end-of-the-covid-19-emergency-periods-will-impact-health-plans/) - [THE REAL VALUE OF A VISION PLAN](https://www.maxwellagency.com/the-real-value-of-a-vision-plan/) - [5 Small Business Attraction and Retention Trends for 2023](https://www.maxwellagency.com/5-small-business-attraction-and-retention-trends-for-2023/) - [Health Care Reform: 90-day Waiting Period Limit](https://www.maxwellagency.com/health-care-reform-90-day-waiting-period-limit/) - [8 Tips for Effective 2023 Open Enrollment Communication](https://www.maxwellagency.com/8-tips-for-effective-2023-open-enrollment-communication/) - [California Announces $15.50 Minimum Wage Rate for 2023](https://www.maxwellagency.com/california-announces-15-50-minimum-wage-rate-for-2023/) - [Health Plan Enrollment Rules](https://www.maxwellagency.com/health-plan-enrollment-rules/) - [Trending Employee Benefits That Strengthen Attraction And Retention Efforts](https://www.maxwellagency.com/trending-employee-benefits-that-strengthen-attraction-and-retention-efforts/) - [Early Preparation Is Crucial for 2023 Open Enrollment](https://www.maxwellagency.com/early-preparation-is-crucial-for-2023-open-enrollment/) - [Price Comparison Tool Required for 2023 Plan Years](https://www.maxwellagency.com/price-comparison-tool-required-for-2023-plan-years/) - [Employers See Increasing Numbers of Lawsuits Over Deficient COBRA Notices](https://www.maxwellagency.com/employers-see-increasing-numbers-of-lawsuits-over-deficient-cobra-notices/) - [Resources to Help Find Infant Formula During the Shortage](https://www.maxwellagency.com/resources-to-help-find-infant-formula-during-the-shortage/) - [4 Steps to Managing Mental Health at Your Organization](https://www.maxwellagency.com/4-steps-to-managing-mental-health-at-your-organization/) - [COBRA Continuation Coverage](https://www.maxwellagency.com/cobra-continuation-coverage/) - [How to Personalize Your Employee Benefits Offerings](https://www.maxwellagency.com/how-to-personalize-your-employee-benefits-offerings/) - [How to Handle a Surprise Medical Bill](https://www.maxwellagency.com/how-to-handle-a-surprise-medical-bill/) - [2022 Health Plan Compliance Deadlines](https://www.maxwellagency.com/2022-health-plan-compliance-deadlines/) - [3 Voluntary Benefits Trends to Watch in 2022](https://www.maxwellagency.com/3-voluntary-benefits-trends-to-watch-in-2022/) - [Reporting Requirements for Employers and Health Plans](https://www.maxwellagency.com/reporting-requirements-for-employers-and-health-plans/) - [How Do I Know Who is Eligible for COBRA and When?](https://www.maxwellagency.com/how-do-i-know-who-is-eligible-for-cobra-and-when/) - [Health Savings Account (HSA) Eligibility Rules](https://www.maxwellagency.com/health-savings-account-hsa-eligibility-rules/) - [4 Lessons Learned from Open Enrollment During the Pandemic](https://www.maxwellagency.com/4-lessons-learned-from-open-enrollment-during-the-pandemic/) - [5 Strategies for Reducing Health Benefit Costs in 2022](https://www.maxwellagency.com/5-strategies-for-reducing-health-benefit-costs-in-2022/) - [Health FSA Limit Will Increase for 2022](https://www.maxwellagency.com/health-fsa-limit-will-increase-for-2022/) - [Compliance Regulations for Business Using Electronic Media in Connection with their Employee Benefit Plans](https://www.maxwellagency.com/compliance-regulations-for-business-using-electronic-media-in-connection-with-their-employee-benefit-plans/) - [6 Benefits to Attract and Retain Small Business Employees](https://www.maxwellagency.com/6-benefits-to-attract-and-retain-small-business-employees/) - [California Individual Health Insurance Mandate](https://www.maxwellagency.com/california-individual-health-insurance-mandate/) - [MLR Rebate](https://www.maxwellagency.com/mlr-rebate/) - [President Trump Orders Payroll Tax Deferment](https://www.maxwellagency.com/president-trump-orders-payroll-tax-deferment/) - [Make Learning Fun Again :)](https://www.maxwellagency.com/make-learning-fun-again-2/) - [President Trump Signs Executive Order on Pandemic Relief](https://www.maxwellagency.com/president-trump-signs-executive-order-on-pandemic-relief/) - [Strategies for Saving on Prescription Drugs](https://www.maxwellagency.com/strategies-for-saving-on-prescription-drugs/) - [Benefits Planning and COVID-19](https://www.maxwellagency.com/benefits-planning-and-covid-19/) - [Quoting Census](https://www.maxwellagency.com/census-template/) - [IRS: Employers Must Report Pay for FFCRA Leave on W-2](https://www.maxwellagency.com/irs-employers-must-report-pay-for-ffcra-leave-on-w-2/) - [Who Doesn't Love A Discount On Dental & Vision | Guardian](https://www.maxwellagency.com/who-doesnt-love-a-discount-on-dental-vision-guardian/) - [Anthem | Premium Credits](https://www.maxwellagency.com/anthem-premium-credits/) - [HR Administrators Worst Nightmare | Qualifying Events](https://www.maxwellagency.com/hr-administrators-worst-nightmare-qualifying-events/) - [How Can HR Departments Impress Millennial Prospects & Current Employees](https://www.maxwellagency.com/how-can-hr-departments-impress-millennial-prospects-current-employees/) - [How Are You Tracking Open Enrollment Progress?](https://www.maxwellagency.com/how-are-you-tracking-open-enrollment-progress/) - [How much time are your employees spending on insurance forms?](https://www.maxwellagency.com/how-much-time-are-your-employees-spending-on-insurance-forms/) - [Quick Start Guide | DECIDING WHO TO RECALL FROM FURLOUGH OR LAYOFF](https://www.maxwellagency.com/quick-start-guide-deciding-who-to-recall-from-furlough-or-layoff/) - [Families First Coronavirus Response Act](https://www.maxwellagency.com/families-first-coronavirus-response-act/) - [California Harassment Training Deadline Extended](https://www.maxwellagency.com/california-harassment-training-deadline-extended/) - [FMLA and Employee Benefits](https://www.maxwellagency.com/fmla-and-employee-benefits/) - [Top Five Things HR Departments Can Do To Ensure A Successful Open Enrollment](https://www.maxwellagency.com/hr-open-enrollment-sucess/) - [Don't Let ERISA Penalties Bankrupt Your Business](https://www.maxwellagency.com/erisa-bankrupting-business/) - [5 Rules Every Landlord Should Live By](https://www.maxwellagency.com/5-rules-every-landlord-live/) - [Will my credit rating change my insurance rates?](https://www.maxwellagency.com/will-credit-rating-change-insurance-rates/) - [Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?](https://www.maxwellagency.com/auto-insurance-rates-keep-going-even-though-car-keeps-getting-older/) ## Schemas - [Insurance Agency](https://www.maxwellagency.com/schema/insurance-agency/)