We Sell Covered California Plans!


  We help you get the most affordable coverage that meets your needs! (If you have insurance with your employer, this letter may not apply to you) The Individual Mandate of the Affordable Care Act-ACA (ObamaCare) takes effect on January

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Posted in Health Reform

Do I Have to Get Health Insurance?


The simple answer is YES or pay a tax penalty. There has been confusion about this lately because of the recent Obama administration’s decision to delay penalties for employers who don’t offer health insurance until 2015. The unfortunate consequence of

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Posted in Health Reform

What does Medicare NOT cover?


Original Medicare (Part A & B)  does NOT cover everything. For example, it only covers 80% of Medicare approved services. This is why many people add prescription drug coverage (Part D) and Medicare Supplement insurance OR purchase a Medicare Advantage plan

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What is the Birthday Rule for Medicare?


Medicare may be a federal program, but California has a great Medicare Supplement (Medigap) law known as the “Birthday Rule”.  This rule gives Californians the option of changing their Medicare supplement with NO Medical Underwriting for up to 30 days

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What is the Medicare Open Enrollment Period?


If you currently have Medicare, you can change your coverage choice once a year during the Medicare Open Enrollment Period (OEP). The OEP starts on October 15 and ends on December 7 every year. The Medicare Open Enrollment Period is

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What is Medicare?


Medicare is a federal health insurance program that covers millions of Americans. In general, you are eligible for Medicare if you are 65 or older, or you are younger than 65 and meet criteria for certain disabilities. The Medicare basics

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Key Points for Health Reform


10/23/2010. Separation point between Grandfathered and newer plans which are subject to new mandates   10/23/2010. First wave of new mandates started. Preventative benefits to be covered at 100%. Children policies are guaranteed issue regardless of health. Life time maxes

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3 easy ways to reduce your health insurance costs

Save money on health insurance

Choosing a health insurance plan can be a confusing process with lots of choices and options. Sorting through these choices can be a daunting process, however we can make it easier.Below are the easiest ways to lower your health insurance

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Definitions to common health insurance terms

Definitions of Health insurance terms

Below is a list of terms and definitions commonly used in health insurance, knowing and understanding them will help you make better informed decisions about your health care plan  COBRA: Federal legislation that requires employers with 20 or more employees

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With over 25 years experience in getting people the coverage that is right for them, we can provide quality health policies and services to you. We will help you save money on health insurance, for you, your family, and your business. We are a award winning brokerage, providing the best in customer service. Please don’t hesitate to call us for all your insurance needs. We look forward to hearing from you.

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