Healthcare Plans (Under 65)
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Comprehensive Benefits. Exceptional Service. Your Complete Insurance Solution.
(760) 727-9000
San Marcos, CA 92078
Mon-Fri 9:00am – 5:00pm
We're here to help you find the coverage you need.
We offer multiple health coverage options for you and your family. Our licensed professionals can explain all the various plan options that are available to you.
Get an instant quote or more information by using links below. Or call now. (760) 727-9000
Medicare Supplement Plans are accepted by over 95% of all doctors/providers in America. Referrals are not required.
Many people love the freedom of choice for your medical provider, predictability of costs, and very low rate increase history with most carriers.
Medicare Advantage Plans are Guaranteed Issue, have No Pre-existing Limitations and usually offer co-pays for Doctor, Hospital and RX costs. Premiums are often $0 per month.
Get an instant quote or more information by using links below. Or call now. (760) 727-9000
Thanks to recent changes in government health insurance regulations, employers can save a great deal on their group health plan costs - in some cases, as much as 50%. Let us show you exactly how much you can save.
Request a group plan quote now. (760) 727-9000
Life insurance is about taking care of your loved ones. It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death. It can also replace your income, so your family can maintain their quality of life.
Get an instant quote or more information by using links below. Or call now. (760) 727-9000
Dental Coverage include coverage for preventive care, like routine exams, cleanings, and X-rays. Many plans also include coverage for additional services like fillings, extractions, root canals and crowns.
Vision Plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses.
Get an instant quote or more information by using links below. Or call now. (760) 727-9000
In the world of health insurance, not all agencies are the same, and one size doesn't fit all.
Shopping for health insurance isn't always easy. Healthcare coverage can be complicated and confusing. We can help guide you to the right plans that are tailored to you, your company, employees, your life and your budget.
We take the long view of coverage to help our clients see their best options from all angles. While cost comparisons can often be unclear, and policy features can be bewildering, our team not only understands coverage, but understands the changes to coverage that happen every day and we can pass that knowledge on to you.
Our team offers the best service and insurance products available today to protect you, your family, and your business.
We specialize in Health, Dental, Vision, Life, Long-term care, Medicare, Disability, Employee benefits, and Voluntary benefits.
We look forward to being your trusted partner and connecting you to the right insurance.
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| Should I choose a Medigap Plan or a Medicare Advantage Plan? |
| Choosing between Medicare Advantage plans and Medicare Supplement (Medigap) plans depends on your healthcare needs, financial situation, and preferences. Each type of plan has its own set of benefits. |
| What is the difference between an HMO and PPO? |
| HMOs usually have a more restricted network of healthcare providers. You are required to choose a primary care physician (PCP) from within the network. |
| What is the difference between copay and co-insurance? |
| Copayment (copay) and coinsurance are both ways in which individuals share the costs of their healthcare expenses with their insurance provider. However, they differ in how they are structured and how the costs are distributed.A copayment is a fixed amount that you pay for a covered healthcare service, and it is usually due at the time of service. Coinsurance is a percentage of the costs of a covered healthcare service that you are required to pay after you've met your deductible. For example, i |
| What is Covered California for Small Business (CCSB) |
| Covered California for Small Business (CCSB) is the small business health insurance marketplace in California. It is part of the larger Covered California program. |
| When is Medicare Open Enrollment? |
| Medicare Open Enrollment, also known as the Annual Enrollment Period (AEP), typically occurs annually and provides an opportunity for Medicare beneficiaries to make changes to their coverage. The Medi |
| What is an SEP? |
| SEP stands for Special Enrollment Period in the context of health insurance, including Medicare and the Health Insurance Marketplace. An SEP is a specific time outside of the regular enrollment period |
| When should i get long term care insurance? |
| Deciding when to get long-term care insurance depends on various factors, including your age, health, financial situation, and preferences. Long-term care insurance is designed to help cover the costs |
| How do I find out if I qualify for a health insurance subsidy? |
| Subsidies are often income-based, so accurate income information is crucial. Be prepared to provide details about your household's income, including wages, self-employment income, and other sources. C |
| What is the cost of ACA (Obamacare) Health insurance in San Marcos, CA? |
The monthly premium amount that you will end up paying for an Affordable Care Act plan (Obamacare) is determined from the consideration of several factors. These factors include:
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| How can I get health insurance or Medicare insurance coverage in San Marcos, CA? |
| Yes. Our licensed team of health insurance professionals is happy to assist you in finding the individual, family, Medicare Supplement, or Medicare Advantage insurance plan that would be the ideal fit for your needs. We are the California health insurance experts. We serve the San Marcos, Carlsbad and Rancho Santa Fe regions. |
| What makes one health insurance plan better than another? How can I choose? |
| Health insurance is a complicated product. Study after study has shown that people routinely make poor health insurance plan choices – choices they often regret once they receive unexpected, and unexpectedly large, medical bills in the mail. To avoid unexpected medical costs, you need to pick an insurance plan that make sense for you both medically and financially. First, when comparing health insurance plans, consider the medical status of you and your family. Does your current medical circumstance require you or a family member to visit the doctor a lot, or do you rarely have a pressing need to see a physician? What prescription drugs are you or a family member are currently using? Note if there are specific physicians that you or a family member must have access to. Next, review the deductibles, coinsurance, and maximum out-of-pocket benefits of the health insurance plan options that you are available to you. These benefits are important because they determine how much you could be on the hook for in medical costs should the unexpected occur. These benefits can vary greatly from one health insurance plan to another. So be sure to know and understand them. Lastly, compare the monthly premiums of the various plans that are available to you. Know how much you can afford. If you are considering an ACA health plan, find out if you qualify for a subsidy. |