We place Individual Medical Insurance, Dental, Vision and Life Insurance coverage that meets you and your family's needs while making sure your current physicians are in-network to maximize your policy benefits. Offering Medicare Supplements from multiple carriers making sure your physicians are in-network & your Part D, Prescription Drug coverage is the best fit for your individual needs based upon your current prescriptions.
With access to all available Group Medical Insurance, Dental and Life/ Disability carriers we customize a policy that fits both your budget & benefit requirements. We can set up a PPO, HMO or HSA option, or a combination of options. Providing Healthcare Reform News, resources and expert guidance & analysis during this time of historical change is one of our main focus points.
We also help individuals understand & enroll in the Covered California program. Santa Cruz Health and Life Insurance Agency is a locally owned business offering a variety of health insurance policies.
With access to all available Group Medical Insurance, Dental and Life/ Disability carriers we customize a policy that fits both your budget & benefit requirements. We can set up a PPO, HMO or HSA option, or a combination of options. Providing Healthcare Reform News, resources and expert guidance & analysis during this time of historical change is one of our main focus points.
We also help individuals understand & enroll in the Covered California program. Santa Cruz Health and Life Insurance Agency is a locally owned business offering a variety of health insurance policies.
Services
California was the first state in the nation to enact legislation under the Affordable Care Act.
Cover California was created to develop an organized marketplace where legal residents of California can buy health coverage that cannot be denied or canceled if you are sick or have pre-existing health conditions.
Being an independent agency, we can help you choose the plan that best fits your needs!
As with most insurance products, the richer the benefit package, the higher the premium.
Some clients prefer medical plans with low deductibles and annual out-of-pocket maximums that reduce their claim exposure.
Cover California was created to develop an organized marketplace where legal residents of California can buy health coverage that cannot be denied or canceled if you are sick or have pre-existing health conditions.
Being an independent agency, we can help you choose the plan that best fits your needs!
As with most insurance products, the richer the benefit package, the higher the premium.
Some clients prefer medical plans with low deductibles and annual out-of-pocket maximums that reduce their claim exposure.
Being an independent agency, we can help you choose the plan that best fits your needs!
As with most insurance products, the richer the benefit package, the higher the premium.
Some clients prefer medical plans with low deductibles and annual out-of-pocket maximums that reduce their claim exposure.
Other clients prefer lower monthly premiums and enroll in high deductible plans and pay more for claims, if and when they occur.
PPO (Preferred Provider Organization) plans are the most popular and have the most flexibility.
As with most insurance products, the richer the benefit package, the higher the premium.
Some clients prefer medical plans with low deductibles and annual out-of-pocket maximums that reduce their claim exposure.
Other clients prefer lower monthly premiums and enroll in high deductible plans and pay more for claims, if and when they occur.
PPO (Preferred Provider Organization) plans are the most popular and have the most flexibility.
Ancillary lines of insurance should be considered since it provides coverage for things that are very important to both your overall health and finances, but which are not covered by a medical plan.
Adding vision, life insurance and long term care policies, protect your overall well-being and financial assets.
Please contact our office for a personal quote.
Adding vision, life insurance and long term care policies, protect your overall well-being and financial assets.
Please contact our office for a personal quote.
Medicare only covers 80% of the medical costs, so a supplement is needed to pay the remaining balance.
Medicare Supplements pay the balance of deductibles, co-insurance and co-pays.
Medicare Supplement plans are all standardized.
Different plans offer varying levels of coverage.
With multiple carriers available to us, we will check to make sure your physicians are in their network.
Medicare Part D prescription drug coverage is available to anyone who is also eligible for Original Medicare.
Medicare Part D is purchased through a private insurance company that is contracted with Medicare to offer these plans.
Medicare Supplements pay the balance of deductibles, co-insurance and co-pays.
Medicare Supplement plans are all standardized.
Different plans offer varying levels of coverage.
With multiple carriers available to us, we will check to make sure your physicians are in their network.
Medicare Part D prescription drug coverage is available to anyone who is also eligible for Original Medicare.
Medicare Part D is purchased through a private insurance company that is contracted with Medicare to offer these plans.
As your independent health insurance agent, we can provide you a choice from among many different providers and can fully explain your various options.
Insurance policies and laws are complex and are constantly changing.
Using a broker does not cost any more than going directly to the carrier.
We are local and will help you and your employees with any health insurance related issues that may arise.
By working closely with you, we can help find the right benefit plan for your employees, while also meeting your budget needs.
Insurance policies and laws are complex and are constantly changing.
Using a broker does not cost any more than going directly to the carrier.
We are local and will help you and your employees with any health insurance related issues that may arise.
By working closely with you, we can help find the right benefit plan for your employees, while also meeting your budget needs.
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