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Vision

            For Small Business           

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Usually from Feb,1 to Nov,1 each year

Get coverage when you need it' SPECIAL OPEN ENROLLMENT IS HERE.

Nine out of 10 who sign up receive financial help.
 

Bronze plans as low as $0 dollars...

Find out if you qualify for Medi-Cal.

SPECIAL OPEN ENROLLMENT
VISIT HERE

            Begin Application

Apply now for Individual & Family. View (FPL) you qualify for free or low-cost health insurance through Covered California and OR Medi-Cal on one application. Verify Program Eligibility by Federal Poverty Level for 2022 (FPL). 
Consumers can shop across Covered California’s different health insurance plans knowing that the benefits are the same, depending on metal tier, no matter which plan they choose. 
Verify Program Eligibility by Federal Poverty Level for 2023 (FPL)

Shop & Compare (CCA) & (KP)

Hablamos Español.

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BUILDING A BRIDGE TO YOUR FUTURE IS NOW

SEE PLANS BELOW

Pacific Standard Time (PST)

Everyone needs support for total health — mind, body, and spirit. These wellness apps can help you navigate life’s challenges, and make small changes to improve your sleep, mood, relationships, and more. It’s self-care made easy, designed to help you live well and thrive.

Covered California Sets New Enrollment Record as Thousands Get Lower Premiums From  The American Rescue Plan/The Open Enrollment period is now and ends in January 31'st. 

Each year plans, prices and your situation may change. Get ready to renew your coverage for 2023 by reviewing your household income information to make sure you get the correct amount of savings if you’re eligible. We will be here to guide you through the process, so you’ll be informed and ready to make the best decision for your coverage needs.

Being covered is the most important part. Stay insured so that you’ll have comprehensive coverage to help protect you from future health and financial risk in 2023. Renewal begins in October so be on the lookout for your renewal notice from Covered California.

 

​You can apply for a health plan outside open enrollment (or make changes to your current plan) if you’ve experienced one of these qualifying life events, usually within the last 60 days. Or, find out if you qualify for Medi-Cal.

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Covered California, Covered California Health Benefit Exchange & The Covered California Logo are Registered Trademarks or Services Marks of Covered California in The United States of America.
LIF HEALTH ACCIDENT PRODUCTS AND SERVICES

A History of Excellence American National

 

Establishment in 1905 by William L. Moody, Jr., American National has built a strong foundation of investment and regular growth. American National’s financial strength and operating integrity have positioned it as a leader in the insurance industry. American National offers innovative insurance and related financial products, customer-focused service, and ranks among the largest & life of insurance companies in the United States.   READ MORE >

HEALTH

Family Meal
Helping you search for an affordable Health Insurance plan is what we do. Look for Individual & Family or Small Business coverage any of the PPO's Bronze, Silver, Gold & Platinum/HSA Bronze 60/Deductible Bronze & More.
 
Silver 70 HMO/HSA Silver-Silver 70 HDHP/Deductible Silver/Copayment Gold- Gold 80 HMO.... Compare plans available that will fit your needs.


 

Service Description:

Bronze Coverage 60% Didn’t go to the doctor much last year? Looking for a plan that offers free services and protection in case something goes wrong? A Bronze plan could work for you' but expect big deductibles.

 

  • Standard Bronze Plan

       Bronze plans typically have the lowest monthly premiums but the highest                     costs when you get care. The first three non-preventive doctor visits are not                 subject to a deductible.​​

  • High Deductible (HDHP) Bronze Plan

            The only plan type you can combine with an HSA to pay for certain services tax-free. You'll                    have to pay the full cost for non-preventive services until you meet your deductible.

Silver Coverage 70-94% Go to the doctor or take medication regularly? A Silver plan could be your best option. You might even qualify for an Enhanced Silver plan with lower deductibles and lower costs when you see your doctor.

  • Coverage for pre-existing conditions 

  • 70-94% of costs paid by your insurance company 

  • Free preventives care 

  • No limits on what your plan pays for covered services 

  • Free children’s dental and vision

Gold Coverage 80% No surprises or deductibles. Count on set prices from day one.

  • Coverage for pre-existing conditions 

  • Free preventive care 

  • 80% of costs paid by your insurance company 

  • $0 deductibles, free preventive children's dental and vision.


Platinum Coverage 90% No deductibles and the lowest prices on services — two great reasons to go Platinum.

  • Free preventive care 

  • Coverage for pre-existing conditions 

  •  Free preventive children’s dental and vision

  • 90% of costs paid by your insurance company

  • No limits on what your plan pays for covered services.

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ACCIDENT

Why do we need Accident Insurance in California?
Personal Accident happen to all of us, whether it's a broken arm, a leg, allergic reaction, costs for treatment and recovery after an injury can be a really bad challenge.
 
An affordable accident insurance coverage can help you pay for the expenses that are not fully covered by your major medical insurance. You need to be cover!

5 Reasons to Consider Personal Accident Insurance.

 
Benefits of Personal Accident Insurance

 

When it comes to personal accident insurance, every situation is unique. While it can provide you with the financial protection you need in the event of an accidental injury, you may be asking yourself whether it’s the right decision for you.

 

Consider some of the following benefits.

 

• Additional Coverage. This includes much of what might not be covered by health insurance, such as rehabilitation, and is a great way to supplement existing coverage.

• No Medical Underwriting. If you’ve been refused life insurance in the past for whatever reason, personal accident insurance is a great option as it usually does not require any medical underwriting.

• Inexpensive. Policies can be incredibly inexpensive due to factors like where you live and how much coverage you want. Additionally, personal accident insurance is an appealing offer for when traditional coverage is too expensive.

• You’re Self-Employed. If you’re self-employed, you may not have sick leave; personal accident insurance could protect your finances during that time.

• Peace of Mind. Taking up scuba diving in your golden years? Want to hike the Appalachian Trail?

 

Personal accident insurance is ideal for those who intend to stay physically active and could need the extra coverage.

 

How Does Personal Accident Insurance Work?
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BENEFITS

Out of pocket cost

USE OF LICENSE FOR APPLICANTS
Small Business Health Insurance in  California?    

The Covered California Health Exchange is the government agency offering subsidized Obamacare plans for this state. The California Health Exchange was created to assist citizens and legal residents with applying for marketplace coverage in order to comply with the Affordable Care Act (“ACA”). When the law was passed in 2010, each of the 50 states had to decide to either create a state-run health insurance exchange or offer enrollment through a federally operated exchange. This state chose to create their own exchange and called it “Covered California”.
 

What Do You Need to Apply For Small Business

To apply, employers will need:

  • Their employer's name, as reported to the California Employment Development Department.

  • Their federal Employer Identification Number (FEIN) and state Employer Identification Number (SEIN).

  • A copy of their local business license.

  • A DE-9C reconciled by the employer.

  • The total number of employees.

  • The total number of full-time employees.

  • The total number of part-time employees working 20 to 29 hours per week (if offering part-time employees' coverage).

  • Their employee roster, including addresses, hire dates, dates of birth and Social Security numbers or tax identification numbers.

  • Dependent information (if offering dependents coverage), including the dependents’ dates of birth to determine their age.

  • THE AGENT OF RECORD REQUEST

  • Add or Remove a Delegated Enroller?

To ensure something is to make sure it happens—Keep in mind to guarantee it. To insure something or someone is to cover it with an insurance coverage.

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KAISER PERMANENTE REGISTER, OPEN YOUR OWN ACCOUNT & GET ACCESS TO YOUR BENEFITS AND COVERAGE, CHANGE YOUR DOCTOR ANY TIME AS NEED IT.
 
ACCESS TO YOUR FILES, LAB RESULTS, DOCTORS CAMERA CONSULTATION OR BY PHONE AND MORE.
 
CONVENIENTLY TO MANAGE EVERYTHING FROM YOUR DEVICE ANYWHERE YOU GO! 
Innovative financial challenges and stay up to date with your GOALS.
OUR SOLUTIONS

Our modern, highly secure, solutions provide cost-efficiency, flexibility, scalability, and the highest service levels in the industry. Advanced architecture development environment empowers insure to quickly and easily build their own app, creating there:

 

INDIVIDUAL & FAMILY experiences and continuously responding to their needs. With our industry-leading data and predictive analytics solutions, insurers are able to and optimize their pricing, risk selection, and claims processing.

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Safe your life and others
life, wash your hands and keep your distance!

   BETTER HEALTH LIFE STYLE FOR YOU TODAY!

    HEALTH CARE

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CURRENT & NEW GENERATIONS

Here we can help you plan your financial future on your terms–with the personal support and guidance you deserve.

Set goals and take action

  • Your financial roadmap

  • Easy to get started, simple to update

  • You can always ASK to an (Advisor)

  • Focus and Guidance

 

Get a dedicated Advisor

  • Advisors to help you always!

  • Personalized planning

  • A wide range of financial options

Get one-to-one advice

  • Highly personal  knowledge

  • Convenient—speak by phone or submit email

  • Complementary consultation

             
 
You can have peace of mind today knowing those who depend on you will be secure tomorrow with Life, Health or might be Accident  Insurance. See how easy it is to protect the people you love, start today. Individual & Family Plans or Small Business.
                  
Agents are here to help you understand the coverage and how the process would work. Very affordable rates, help and super people to work with. Protect loved ones healthy and financially.
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ENROLL TODAY

SMALL BUSINESS

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