"North Ranch Benefits Trust has Employer Sponsored & Voluntary down to one"


The employee benefits world has been evolving rapidly since the passage of PPACA and it is clear that agents will need to sell different products to continue to bring value to their clients.

North Ranch Benefits Trust provides a wide array of ancillary programs for the smallest employer group up to any case size. Also, our products can be sold as voluntary for payroll deduction. We request no wage & tax statement. We have no employee participation quota. Most products can start with just one employee enrolling.

If employers are not adding new benefits for their company, there must be a reason. Could it be cost? Get around this problem by talking about voluntary programs and generate additional revenue for your agency!

Employer Sponsored


Employer Sponsored VSP allows a group of 3 or more to enroll, the group must meet one of four participation options at all times.

VSP provides value and savings: Great benefits on your exam and eye-wear at an affordable price.

Personalized care: Quality care that focuses on your eyes and overall wellness through a Wellvision Exam from a VSP doctor.

Great eye-wear: Choose the eyewear that’s right for you and your budget.

Choice of providers: You can choose a VSP provider or any eye-care provider that’s right for you.

Copay: These plans offer one copay per year of $0, $10, or $25 each year.


NRBT Ameritas Dental

Affordable voluntary dental plan for groups of any size. Start a case with just one employee enrolling. You have no limitations on the dental provider(s) you choose.

NRBT Delta Dental Premier or PPO

Voluntary Delta Dental Premier or PPO can be written for a group of 3 or more in CA.

The Delta Dental PPO or Premier plans makes it easy for you to find a dentist and control your costs when you visit a network dentist. You can visit any dentist but your costs are usually lowest with a PPO or Premier dentist.

Delta offers access to the largest dentist network in the U.S.

NRBT DeltaCare HMO

Voluntary DeltaCare is an HMO plan that can be written for a group of 3 or more in CA.

DeltaCare USA provides you and your family with quality dental benefits at an affordable cost. The DeltaCare USA program is designed to encourage you and your family to visit the dentist regularly to maintain your dental health.


We offer Standard Plans and Computer Vision Care (CVC) Plans.  VSP provides value and savings with great benefits on your exam and eye-wear at an affordable price.