Since 2002, Lundy Insurance Services in downtown San Diego has structured group health, dental, vision, life, and disability plans for employers ranging from small teams to mid-market companies across Southern California. Group dental plan design selects between DHMO and PPO structures based on employee census data and utilization projections, routing covered members to in-network providers including San Diego Smile Pros in the Bankers Hill corridor. Individual and family plans include Covered California marketplace enrollment, Medicare Supplement and Medicare Advantage comparison, and COBRA continuation administration for employees transitioning between employer-sponsored coverage. Behavioral-health benefit integration pairs EAP programs with psychiatric and counseling networks, coordinating coverage verification with providers such as SILVERLINING Psychiatry Medical Group to confirm in-network status before referral. The brokerage's highest-value engagements involve self-funded plan design with stop-loss reinsurance placement, modeling specific and aggregate attachment points against historical claims data to project employer liability exposure.