Click the button on the left if you would like to compare rates and benefits of plans and companies in the Sacramento area.  We provide the guaranteed lowest prices for your Sacramento Health Insurance plan.  Whether you are an individual, family or small group we are here to help you find the most affordable Sacramento health plan available.
Anthem Blue Cross   -   Blue Shield of California   -   HealthNet   -   Aetna   -   Pacificare   -   Kaiser   -   Western Health Advantage
By clicking “Quick Quote” you’ll be able to view the most affordable, high …

Three HMO plans to choose from: Select HMO, HMO Saver and the Individual HMO.  Taking care of your health with an Anthem HMO plan gives you comprehensive health care coverage that includes physical exams by your primary care physician, and routine cancer screenings such as mammograms, pap smears and testing for prostate cancer.

Well Woman Preventive Care:  (Self referral for OB/GYN care)for well woman exams such as pap smears and mammography, all women enrolled in an Anthem HMO plan have the option to use their Primary Care Physician, or the option to select an obstetrician …

A very popular individual and family plan with a simple design and no medical deductible.

Immediate benefits (no medical deductible).
Choice of three prescription drug coverage options: Comprehensive, Generic Only or No Rx.
Single policy per person.  Each family member gets their own policy.
Maternity benefits not included.

 A very easy to use health plan.  Your coverage is immediate, meaning when you see a physician, specialist or hospital, the benefits start now!  Whether it’s a doctor visit or surgery, your plan kicks in from day one, because there are no deductibles to satisfy.  So even …

Anthem PPO Share Plans.  Our most comprehensive PPO coverage.  Four deductible options to choose from (500, 1500, 2500 & 5000).

Access to over 50,000 California network doctors and specialists and over 400 hospitals - so chances are you doctor is one of ours - Find a doctor or hospital.
Money in your pocket - because we have negotiated lower fees with our network doctors and hospitals, your share of costs is less (a lot less).
Free health and wellness programs - designed to keep you as healthy as can be.
Out of state coverage …

Anthem Lumenos HSA plans allow you to take control of your health and health care savings.
Welcome to the future of Health Care Coverage!  Our Lumenos Health Insurance Plans.
 

Give you the ability to manage and control your health care dollars.
Are designed to help you lower your out of pocket health expenses while improving your health and wellbeing.
Focus on preventive care with no deductible for things like physical exams and health screenings.

And don’t forget the Dental plan for yourself and family.
How do these (HSA) things work?
Health Savings Account (HSA)

An account funded by your …

Why You Need Dental Coverage
The first-ever Surgeon General’s Report on Oral Health confirms that good oral health and your overall wellness are inseparable, calling the mouth “a mirror for general health and well-being.”
Why You Need Dental Coverage
Because oral health is so vital to the quality of your life.  Dental Coverage should be an essential part of your health and wellness at any age.  It helps you:

Maintain good oral health throughout your life.
Enjoy the self-esteem that comes from looking your best.
Prevent oral diseases and disorders.
Receive quality care.

 Brochure, Application & Rates
Remember: Regular dental …

Looking to cover all of those gaps that Medicare doesn’t cover, or are looking for a lower cost company?  Well, a Blue Shield Medicare Supplement plan F should do the trick.  Virtually no out of pocket costs for Hospitalization and physician health care.  A very low monthly Plan F rate coupled with exceptional customer service are a couple reasons you should look at Blue Shield of California to provide you Medicare Supplement insurance.  After all, we’ve been in the healthcare business for more than 65 years.  Blue Shield’s Medicare Supplement plans …

The Anthem 3500 Deductible PPO Plan is a simple to understand plan specifically designed for the person or family who wishes for a high deductible plan with comprehensive benefits after the deductible is met.  One of the lower priced Anthem Blue Cross plans the 3500 Deductible PPO also offers Generic along with Brand prescriptions for just a simple co-pay (Brand drugs have a $500 deductible).
Features:

100% coverage for most network services once the deductible is met.
An annual out of pocket limit that is satisfied once the deductible is met.
Immediate coverage for generic …

Whether it’s your trip, your possessions, your luggage, or your health, travel insurance - and the most important, the right kind of travel insurance has become an essential item to pack for smart travelers.  And if you don’t buy travel insurance, or the right kind, more than your trip could be ruined.
According to the U.S. Travel Insurance Association, about 30% of Americans purchase travel insurance.  The top three reasons are: peace of mind, protection against the unexpected and concern over losing the financial investment in a trip. 
There are hundreds of …

Medical expenses are rising faster than the costs of any other service.  About 40 years ago American medical spending was estimated at 5% of national income; today it is calculated at some 17% and rising.   So why is this?
America pays more wages to our medical personnel and facilities.  In a rich country, wages for healthcare workers are high.  Also, doctors conduct an inordinate amount of tests, if that doesn’t work come back and we’ll try this.
Americans are known to be one of the most obese populations in the world.  Fast food, …

Transferring from your current Employer based Group health plan to a Medicare Supplement plan is usually a great option for the Employee along with the Employer. In the vast majority of cases your coverage will be far richer along with a dramatic premium decrease.
If you have Medicare parts A and B you are eligible to enroll into a Medicare Supplement plan. For Example; an employee turns 65 and has both Medicare A and B, their current Group health plan most likely has a deductible plus co-insurance, which are out of …

Why You need a Medicare Supplement plan.
Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care.  However, Medicare was never intended to cover all of your health care costs.  So even if you’re covered by Medicare, you are still responsible for a potentially large portion of your health care costs.
Medicare Supplement Quotes
 
What Medicare Doesn’t cover
Medicare does not cover all health care costs.  Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B …

The 2009 premiums, co-pays and deductibles are as follows:
Part A Premiums: (Hospital) as long as you have paid Medicare taxes for 40 or more quarters there is no charge.
Part B Premiums: (Outpatient & Physician) Most people will pay $96.40 per month.  If you make more than $85,000 (individual) or $170,000 (joint) you will pay more.
Part A Deductible: $1,068 up $44 from 2008.
For each benefit period you pay:
*  A total of $1,068 for a hospital stay of 1-60 days.
*  $267 per day for days 61-90 in the hospital.
*  $534 per day for …

Individual and Business health plans, along with HSA, PPO and HMO plans to fit your needs.  Dental, vision, disability and life for your household or business concerns.  Cobra alternatives for those entering or exiting the COBRA period.  Medicare Supplement plans or Medicare Advantage PPO & HMO, along with Medicare Part D Rx coverage.  I’m here to help you understand and maneuver through the maze of plans, coverages, companies and potential hurdles you face when deciding what course to take.

Individual & Family Health
Small Group Health
Medicare Supplement
Term Life
Dental

Shopping for a new insurance plan can be …

San Jose along with Santa Clara County residents enjoy Medicare Supplement Rates that are some of the lowest in the state of California.  For example Blue Shield of California Plan F at age 65 is $119, plus if you are new to Medicare Part B, you can also receive a $10 deduction on your monthly premium for the first 12 months.
Plan F covers:

All of your Part A Deductible ($1,024).
All of your Part B Deductible ($135).
All of your Lab tests and diagnostic services.
All physician and hospital costs which Medicare does not …

The Consolidated Omnibus Budget Reconsiliation Act (COBRA) states that group health plans maintained by employers with 20 or more employees are now reqired by federal law to provide plan participants and beneficiaries with the right to continue their health insurance after the occurance of certain “qualifying events” such as termination of employment, or the devorce from, or the death of  a covered spouse.
In addition, many states require employer of less than 20 employees to provide continuation coverage.
The subsidy amount your employer pays is  65%  of the total monthly premium for the …

Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
Prevent a family’s suddenly dropping from its accustomed standard of living after the death of the breadwinner.
Provide continuous flow of funds for the living spouse.
Allocate income funds for the children’s education.
Provide a retirement income throughout old age.
Provide a reliable savings plan for the future.
Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses.
Furnish surplus earnings for the investors should disaster strike.

Quick Term Quote, compare with …

APPLY FOR TONIK ONLINE - California, Colorado & Nevada
Tonik Includes: Health, Dental & Vision

100% Coverage after the annual deductible
Annual physical, Pap / Mammogram
Office Visit copay comes before the Annual Deductible
Visit any Anthem Blue Cross physician, specialist or Hospital in California.
Easy On-line application - No physical exam necessary.
Application decision process is usually within 72 hours.
Start Today - Either call me toll free: 800-700-1246 or Apply On-line, it’s that simple.

3 Tonik Plans to choose from:

Calculated Risk Taker (Tonik 1500)
Part Time Daredevel (Tonik 3000)
Thrill Seeker (Tonik 5000)

What doctors can you see: The Tonik plan …

 
 APPLY FOR TONIK ONLINE - California Colorado & Nevada.
Tonik is great!  If you have a tonik plan in California, Nevada or Colorado and move to one of the other states you can simply move with your tonik plan.  Simple as that!
Remember Tonik plans include Health, Dental along with vision benefits all in one easy to use package.  Tonik is for anyone!  Although the Tonik plans are marketed to the younger age groups, any healthy person under age 65 can apply for coverage and enjoy the rich benefits the Tonik plans …

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.
Term Life Quote
If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide (for a simple example, if …