We'll
guide you through the maze of health plan choices to find the best insurance
coverage for your needs. We'll identify potential problems
and navigate your application through the process.
If you've had group
coverage
If you've had employer group coverage
for at least 18 months and are now purchasing individual health insurance,
federal and state laws provide key protections.
You are normally eligible
to continue your employer sponsored plan through federal COBRA or Cal-COBRA.
If you are medically ineligible for an individual health plan when COBRA
expires, you are
guaranteed acceptance on a HIPAA plan.
Read our
newsletter on Losing Group Coverage.
if you've had health
problems
Acceptance for individual health
insurance is not guaranteed, except as noted above. You may be accepted at
preferred rates, offered a higher premium, or declined for coverage.
Read about
the application and underwriting process.
State law does require that, once
accepted, you be covered for any pre-existing health problems after 6 months
of coverage.
We make it Simple to get started
Call us. We'll answer your questions and
send written information you need. We learn all we can about your unique needs, so you feel comfortable
working with us. Learn more about us.
You can count on us
We're here for you. We keep in touch
with you through regular communications. We're always available to provide
advice and help you resolve complicated issues.
See what our satisfied clients
have to say.
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