Who We Are And What We Do

Why Use This Site

Why would anybody want to use this site instead of going direct to the insurance company?

Personal service.

I cannot say it any better than that. You will not save any money if you bypass this website. There are no better deals by contacting health insurance companies directly or going to online health insurance providers. What you do get less of if you bypass this website is service. Call us at our toll free number 877-477-4602 and talk to an actual person and learn the difference personalized service can mean when learning about and purchasing health insurance.

I specialize in helping people with answers. I do this every day. Have you ever tried to call an insurance company for an answer? Online health insurance providers are even worse. Usually there is not even a phone number to call. How would you like a one call toll free number where you always reach the same person to answer your questions and solve your problems? That is what we do and who we are. We have been providing excellent service to our clients for over 11 years. If you are in the Los Angeles area, I will even travel to you to personally help you fill out the paperwork.

You have the option of downloading a hardcopy of any application on this site, or filling one out directly online. Either way, if you run into any problems or questions with the paperwork you can call or email for answers. Before your get a policy or after you have a policy, you can get always get answers about doctors and hospitals by calling me directly or by email.

Personalize service can really make the difference in whether you get health insurance and how much you will pay. Insurance forms can be confusing.  If you accidentally answer yes to a question you should not have, or fail to completely answer a question, this can lead to expensive delays, extra charges, or even getting turned down by the insurance company.  I work to prevent these things.

Group Plans

the requirements for a group plan?

First of all, you need two full time employees. One can be you. You will be required to show proof of at least two full time employees; such as quarterly payroll tax statements (DE6), Corporate officer statements and Articles of Incorporation (if you are incorporated). Sole Proprietors and or Partnerships are also eligible.

You need workers compensation insurance for your employees in order to get a group health plan, unless all your employees are also owners of the company. If you don't already have workers compensation, Blue Cross can provide it for you.

Why would you want a group plan as opposed to an individual plan?

Well, if you have health problems a group plan is a guarantee issue. Contrary to popular belief, group health plans are not cheaper than individual plans! If you have a chronic condition that an insurance company would normally charge you extra for or possibly deny you coverage, a group plan will guarantee that you get coverage at normal rates! Group plans generally come with extras such as vision, life and optional dental coverage. You may also enjoy lower out of pocket expenses.

Health Care News

Beware of Fake Health Insurance

Have you ever seen ads for health insurance for an amazing price like $59/month. You probably wondered how this was possible. The answer is that it is not possible and is most likely fake health insurance or some other scheme that is made to look like health insurance, but in fact is little more than a list of doctors who give discounts to patients. Often one can get these discounts just by asking without subscribing to the "health" plan.

People often don't find out that they are a victim of fraud or some health insurance scam until they have a serious medical condition and they discover the insurance company is non-existent or offers no real coverage. The victim is left without coverage and must seek other insurance, but often it is impossible to get new insurance because of their pre-existing medical conditions. Often people must pay for the treatment themselves. To compound the victimization people often delay needed treatment as they try to unravel the deception that was caused by the unscrupulous individuals who sold them the fake health insurance.

Insurance Commissioner Warns Consumers

California Insurance Commissioner John Garamendi warned consumers of the dangers posed by "fake insurance."

Joining the national awareness effort, the Commissioner reminds consumers: "Stop. Call. Confirm." before buying insurance products

SACRAMENTO - Each year far too many insurance consumers are duped into buying bogus insurance policies (read more)

Washington - Hearing On Fake Insurance

Sen. Chuck Grassley, chairman of the Committee on Finance, today convened a hearing to examine the growing problem of fake health insurance plans and pledged to fight their abuse.

"These con artists are promising health insurance to desperate people, charging them for it, and sticking them with huge, unpaid medical bills," Grassley said. "I haven't seen much that's lower or crueler than this. I wonder how someone selling a fake insurance policy to a family would feel if he were on the other end. What if his wife had cancer or if he needed a transplant to survive? Are some people so desperate to make a buck that human decency flies out the window?" (read more)

Health Savings Accounts

What is an HSA?

Health Savings Accounts (HSAs) are tax-advantaged personal savings or investment accounts intended for payment of qualified medical expenses that may be established in combination with qualifying high-deductible health plans. HSAs offer a number of benefits compared to other tax-advantaged accounts.

High-deductible health plans can be paired with a Health Savings Account (HSA) that offers qualified members the opportunity to save on taxes. Our HSA-eligible High-deductible health plans enable you to receive benefits at lower-cost dues/premiums while taking a more active role in your health choices.(read more)