For twenty years I’ve been helping Seniors, Families and Small Business owners navigate the Health Insurance and Medicare Supplement maze.  My goal; to keep the process simple and strait forward, allowing you to make the right decisions for your situation.
I live in Sacramento with my wife and three children, and when I’m not busy helping clients, I’m usually fixing my kids flat tires, helping with homework, or fighting with my backyard vineyard.   
 Industry changes are in constant motion and should be reviewed and compared annually.  So if you have any questions regarding your current plan or would like more information, please …

One of the biggest decisions when choosing between a Medicare Supplement Plan or a Medicare Advantage plan like Freedom Blue comes down to the premium.  If premiums were equal the Medicare Supplement plan is far superior.  Although with a low or no premium plan like the Anthem Freedom Blue plan which includes the Part D Rx plan, the decision becomes much tougher.  Remember a Medicare Supplement plan offers freedom of choice physicians, specialists and hospitals, along with the fact that you will not have deductibles, copays or coinsurance with a Plan …

Looking for Health Insurance for yourself or a family member?  Simply click one of the links below for the appropriate information.  Compare monthly rates and benefits instantly.  Feel free to call or email anytime with your questions.  Often times this can be a confusing process.  Too many plans to review.  Simply by talking with you for a few minutes, I will be able to quickly eliminate many of the plans, and show you only the ones which provides the appropriate benefits for your unique situation.

Individual / Family Plans:

California
Colorado
Nevada

Small Group Health Insurance Info
Medicare …

On June 1, 2010 the Medicare Modernization Act will be offering two new Medicare Supplement plans nationwide, and will be eliminating four plans.  There are currently twelve standardized Medicare Supplement plans available, plans A thru L.  Medicare Supplement plans must abide by all Federal and State laws that are designed to protect consumers.  However, because these plans are sold through private insurers, prices for the same plan may very from insurer to insurer.

Plan M, will use ‘cost-sharing as a method to keep monthly premiums lower.  Meaning, for a lower premium, the …