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                                       California Health Insurance Programs       

  For over 20 years, our motto has been "Put the needs of the Client first and you will never go wrong"
insurance quotes     
We offer a wide variety of health insurance plans for both businesses and individuals in California. Click the links below for private and public medical insurance programs.

Group Health Insurance quote form      Covered California SHOP

Covered California Individual 



Business Insurance
Our affiliate has been writing liability, worker's compensation, business auto, etc. since 1960. Click the link to get a quote from them on your business insurance needs.
Income and Business Tax Preparation  

Railroad Tax Preparation

Payroll Service 
Demo of our on-line service. Full Service is also available, call

We can eliminate health insurance problems for you.


Are you:

  • Frustrated with high insurance premiums?
  • Confused by new  health insurance options?
  • Disappointed by a lack of employee participation in your group health insurance program?
  • Wanting to cover more of your employee's children with little or no cost to the employee?
  • Unsatisfied with the level of  customer service you receive from your agent, broker or health insurance carrier?
  • Concerned that pre-existing conditions may prevent you from getting affordable health insurance?
We handle these concerns daily at no cost to you.  Just pick up the telephone now and call.  A live person, not a voice mail, is waiting to help you.  We help companies of all sizes and have long-term satisfied clients in areas such as Riverside, San Bernardino, Mira Loma, Ontario, Inland Empire, San Diego and Orange County, Los Angeles County, Central California, Northern California, and San Francisco to name a few.  

How can we help?

  • The best combination of affordable personal service  including onsite orientation to help you make the best decisions, and ongoing support for benefit and claim issues with carriers.
  • Group Health Insurance coverage at competitive rates for businesses with 2 - 1000 employees, with guaranteed coverage for your employees regardless of pre-existing conditions.
  • Reviewing options mid-year not just once a year to confirm you're at the optimum performance of your current health plan.
  • Keep you in compliance thus keeping the regulators out of you business.
























COBRA Federal legislation that requires employers with 20 or more employees to offer employees (and/or dependents) to continue coverage under the group plan for eighteen to 36 months. 

Co-Insurance The percentage of covered expenses an insured individual shares with the carrier. (i.e., for an 80/20 plan, the health plan member's co-insurance is 20%.) If applicable, co-insurance applies after the insured pays the deductible and is only required up to the plan's stop loss amount. (see "stop loss.")

Co-pay/Co-payment The amount an insured individual must pay toward the cost of a particular benefit. For example, a plan might require a $10 co-pay for each doctor's office visit.

Deductible Amount of covered expenses that must be paid by subscriber before coverage begin. Unless otherwise noted, deductibles are on a calendar year basis.

HIPAA Federal legislation requiring all insurers who offer individual coverage to provide their two most popular plans on a guaranteed acceptance basis to all applicants whose group coverage (including COBRA) ended within 63 days prior to application for coverage.

Health Maintenance Organization (HMO) An alternative to commercial insurance that stresses preventive care, early diagnosis and treatment on an outpatient basis. HMOs are licensed by the state to provide care for enrollees by contracting with specific health care providers to provide specified benefits. Many HMOs require enrollees to see a particular primary care physician (PCP) who will refer them to a specialist if deemed necessary.

Network A group of doctors, hospitals and other providers contracted to provide services to insured individuals for less than their usual fees. Provider networks can cover large geographic markets and/or a wide range of health care services. If a health plan uses a preferred provider network, insured individuals typically pay less for using a network provider.

Out-of-Network describes a provider or health care facility which is not part of a health plan's network. Insured individuals usually pay more when using an out-of-network provider, if the plan uses a network.

Out of pocket maximum The amount of expenses incurred by an individual at which the plan pays 100% of covered expenses. Amounts in excess of scheduled allowances and other non-covered expenses do not count toward the out of pocket maximum. Family out of pocket maximums can be aggregate (the total expenses by all family members added together) or separate (a certain number of family members must reach their individual out of pocket maximum to initiate the benefit). Quotes display family aggregate out of pocket maximums as a fixed dollar amount and separate out of pocket maximums as the number of out of pocket maximums required per family. Deductibles are included in the out of pocket maximum.

Preferred Provider Organization (PPO) A network or panel of physicians and hospitals that agrees to discount its normal fees in exchange for a high volume of patients. The insured individual can choose from among the physicians on the panel.

Schedule of allowable charges Pre-determined amount the carrier will pay for services provided by non-contracted provider. Generally carriers set the allowable fee schedule at the same level as the negotiated rate for contracting providers. Since there is no contractual obligation on the part of non-contracting providers to accept the fee schedule, the customer is responsible for all charges in excess of the schedule.

Short-term medical Temporary health coverage for an individual for a short period of time, usually from 30 days to six months.

Stop-loss The dollar amount of claims filed for eligible expenses at which the insurance begins to pay at 100% per insured individual. Stop-loss is reached when an insured individual has paid the deductible and reached the out-of-pocket maximum amount of co-insurance.

UCR Short for usual, reasonable and customary, which is a method that some carriers use to determine allowable charges for non-contracted providers. Usual means the charge that a given provider usually charges, reasonable takes into account extenuating circumstances, customary means what is generally charged in the geographic area. Different carriers have various methods of calculating UCR.


Our mission when it comes to medical health insurance is to offer Health Insurance in many terms known to the public, such as group health insurance, Affordable Health Insurance, for Small Business Health Insurance, HMO, HSA, PPO, small group health, group medical insurance. For many years we offer CA Cailifornia Group Health Insurance from Kaiser Permanente, United Health, PacifiCare, Health Net, Blue Shield of California, Athem Blue Cross of California. From very rich in benefit plans with no deductible,$ 5 co-pay, free hospitalization. To plans that have $10 co-pay, $15 co-pay, $20 co-pay, $25 co-pay, $30 co-pay, $35 co-pay, $35 co-pay, $40 co-pay and even $50 co-pay. $ 500 deductible, $750 deductible, $1000deductible, $1250 deductible, $1500 deductible, $1750 deductible, $2000 deductible, $2250 deductible, $2500 deductible, $3000 deductible, $4000, deductible and  $5000 deductible.