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Happy Holidays

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We would like to wish you and yours a wonderful Holiday Season.  This is the time of the year to extend ourselves to you and thank you for being a valued client.   In light of another year passing, we hope to provide you the tools that allow you to get the most value out of your coverage.  Again, thank you and let us know how we may help.    Your Health Agents,

                                              Dennis Jarvis       Andrea Goodacre Jarvis

We have expanded our website this year to provide you the right information and tools in order to make good health insurance decisions.  As a client of Goodacre Insurance Services, you have always had access instant quotes, plan comparison and benefits, doctor provider listings, application/forms across all major California carriers.  We have now added many information-rich sections covering important topics affecting your health care.  You will now find content on the following sections with a clear organization below:

  General information and guidance for California health insurance
Individual and Family health insurance Center
Small Group (2-50 Employees) health insurance Center
Medicare Supplement insurance Center
Health Savings Account Center
Important Site Pages (Quotes, Applications, Doctor Search)

General Health Insurance Information and Guides  (listed by popularity)

  Introduction to California health insurance in 5 easy pieces
California health plans simplified.  The three main components
Major California health carrier Comparisons.  Who's the best?
Am I Insurable?   Understand how the carriers look at your health history
Pre-Existing health issues?  How do they affect your eligibility
Catastrophic health insurance.  Cover the bill bill and keep costs down
The California health broker or agent.  What is our role?
Cobra coverage.  What are your options and how does Cobra work
Back to the depth information on DEDUCTIBLE
Back to the depth information on COPAYS
Back to the depth information on CO-INSURANCE
Back to the depth information on MAX-OUT-OF-POCKET
Back to the depth information on TWO MEMBER MAX
Back to the depth information on LIFETIME MAXIMUM
HMO versus PPO.  The first question to answer when choosing a plan
Brand Name Prescriptions do you need coverage in your health plan?
The Concept of Insurance.   How does it really work
Mental health and California insurance.  Now part of the plan
Mental health Parity.  California law equalizing coverage for Mental health benefits
Out of Network.  Understand how the networks affect your out of pocket
How to use your health plan.  Tips to help you get the most out of your plan
Prescriptions and California health coverage.  An increasingly important benefit
Office Copay basics.  Intro to how office copays work
Pregnancy and Maternity benefits in California  Simple delivery can run $10,000
Health insurance rates  What determines your rates
California Consumer Guide.  information on understanding your health care options
Preventative coverage for health plans.  The much needed, new addition to plans
Self Employed health insurance.  Find out the best approach for the self-employed
California help for the Uninsured.  AIM, MRMIP, Healthy Families, and other options
Negotiated PPO rates How do negotiated rates work with PPO health plans
Affordable health insurance and how do you find it
Non-Maternity plans Smart Sense and HSA plans work well when maternity isn't needed
Chiropractic coverage More information on the critical piece of alternative health care
Acupuncture benefits Find out how it works with health plans in our State
California health insurance plan Quick tips to help you find the right plan
Rate Guarantees.  Lock in old rates for a period of time
Short Term options.  Just need coverage for a temporary period?
Travel Medical insurance.  Coverage for leaving the country
College Plans.  How does the college plan compare with your coverage?
Privacy Information.  Find out how we protect your valuable information
California health market news.  Get the latest including carrier updates
How to choose California health insurance.  What to look for and avoid
Alternative care and your health plans.  Not so alternative any more
High risk pools for people without coverage.  The safety net in California
Resource list for agencies and websites for health insurance information
Discount Plans.  If it sounds too good to be true, it probably is
Medi-Cal coverage.  Low or no-cost option for Californians
Rate Increases.  Understand how they work and why
Hospital Plans.  The pro's and con's on hospital only plans
California health insurance rights.  Know how you are empowered
Avoid bad health insurance plans  Know what to look forward
California Guide.  State provided guide explaining health insurance in our State
Lumenos plans and preventative  Combines high deductible with rich preventative benefits
Choosing a Blue Cross health insurance plan  Important tips from Blue Cross
Complaints and your California health plan.  The State provides options
High Deductible Plan.  What are the benefits to high deductible plans
Student health insurance.  Specific needs and matching plan options
Major carrier listings  Who are the main health carriers in California
Stats on major health carriers in California 
Understand what contributes to a health plan's cost  What is driving the costs
HIPAA coverage.  The back-up option that's helping those exhausting Cobra
Coverage rescission.  Learn how to avoid having your health coverage rescinded
Anthem Blue Cross Application Center  Information on Blue Cross individual family enrollment
California health terms.  The basic terms to help you understand your options
Blue Card program.  PPO members can take advantage of a nearly Nationwide network
Urgent Care and your plan.  How is emergency treated with health plans
California agencies.  State resources to address your health plan questions
Know your rights.  What are your rights in California concerning health coverage
Doctors and your HMO plan.  How does access work?
Dental networks.  The three dental networks and models
PPO and POS plans.  The direction of health insurance in California
California health care tips.  Helps you get the most out of your plan
Healthcare definitions.  Basic explanation of important terms
Primary Care Physician.  How does the Primary Care Physician work?
Continuation of Coverage.  Understand your options when losing coverage
Claims Processing.  Find out how claims processing works
Health Insurance.  First understand how it works
Dependent Children.  How does coverage for dependent children work?
Term Life insurance.  Does it make sense to buy through your health carrier?
Insurance in other States.  Find out information for other State health plans
California health care legislations.  How it affects your coverage and costs
Making the Right Decision.  Important tips for choosing a carrier and plan
Anthem Blue Cross Center  Wellpoint flagship carrier
Blue Shield of California Center  Non-profit, strong PPO carrier
Health Net of California Center  HMO-strong carrier
Pacificare of California Center  HMO-strong carrier


Individual and Family Health Insurance Center

  Individual health insurance between States How coverage works between States
Online Applications The advantages of the online application for individual enrollment
Individual health billing options What are your billing options with Individual family coverage
Individual versus Cobra How to compare your Cobra option with individual coverage
Rate tiers How your health can affect the rates for individual and family health plans
Split Policy on individual plan When does it make sense to split family members onto different plans
What if I am declined coverage?  Options for applicants declined individual health insurance
Health Underwriter  How the underwriter affects the enrollment process
Individual Dental insurance Dental introduction for individuals and families in Californi
Application Health History Questionnaire  Completing the individual application health history questionnaire
Individual Vision insurance How does vision coverage work in California for Individuals?
Delays and your Individual health application What can slow down the process?
Individual health insurance enrollment How does the application and enrollment process work
Canceling Individual plan if offered group Important items to consider when considering group coverage
Maternity and individual health plans What to consider with maternity and individual health insurance
Understand your Individual Family health quote find out how to read your personalized quote
Questions to ask when choosing an individual health insurance plan
Full time student and insurance Options for over-age dependents
Top 20 questions for Individual health  Enrollment and Choosing a plan
Guide to individual and family health insurance
General introduction to how Individual and Family coverage works
Will my rates change if I get sick?  Find out how your claims affect rates
Individual Underwriting How the carrier looks at your health
Individual and Family health insurance page page for individual family coverage
Smart Sense PPO plan Blue Cross' new plans offers choice of deductible and prescription coverage
Basic 1000 and 2500 PPO Plan Blue Cross' low cost hospital plan for catastrophic coverage

Right Plan $40 PPO Plan Blue Cross' no deductible PPO plan with three prescription options
PPO 3500 Deductible Blue Cross affordable plan combines high deductible and RX coverage

Small Group (2-50 Employees) Health Insurance Center


Out of State Employees How do Group health plans handle Out of State Employees
Part Time Employees How are part time employees handled
Dual Coverage Dual coverage under two company insurance plans
Group Dental Introduction to Group dental insurance in California
Kaiser Small Group Group health insurance options from Kaiser of California
Vision Insurance Vision coverage for your California group benefits
California company size How company size affects your Group health insurance options
Group insurance eligibility Three main requirements for groups to qualify
How to Choose Group Plan Important tips to consider when choosing group coverage
New Company enrollment What issues arise when new Companies need health benefits
Part Time Employees Group health insurance eligibility for
Anthem Blue Cross Group Underwriting What are the rules for Blue Cross group eligibility?
Premium Only Plan or POP  Let employees pay premium with pre-tax money
1099 Contract workers How Group health plans work with 1099 contract workers
Guaranteed Issue What does Guaranteed Issue mean for your Small Group health plan?
Annual Renewal  How does the annual renewal affect your group health plan
Blue Cross EmployeeElect  large group flexibility for your Small Group health benefits
Family Business health insurance What plan works best for the "Mom and Pop" business
Shopping for group health  What to consider when shopping for group health plans
Value of Dental and Vision plans  Why employees like their dental and vision benefits
Benefits Small Group health plan from Blue Cross  Low cost plan suite from Blue Cross
California group health insurance  General introduction to Small Group
Why offer Small Group California health benefits  Benefits are an important step for your company
Group health insurance  Guide to how Small Group works
California Small Group  RAF or Risk Adjustment Factor  How it affects your rates
Guide to Understanding group health coverage
Why purchase a health plan for your California company  Important considerations
California Employer Application  A quick walk-through the employer app


Medicare Supplement Health Insurance Center

  Medicare Supplement insurance page on
Medigap Comparison  Understand the differences between the plans
Best Medicare Supplement value  Why the F plan is hard to beat
Canadian Pharmacy  Lower cost medication option
Blue Cross Senior Smart Choice  Low cost, high deductible F plan

Health Savings Account HSA

  Instant Quote Health Savings Account
How HSA's works  simple breakdown on how the two components work together
Health Savings Account detail on mechanics of HSA's


Important Site Pages (Quotes, Applications, Doctor Search)

  Quote:  Individual and Family health     Small Group health     Medicare Supplement health
Application and Enrollment   Download forms and access online applications
Doctor Search  Online directory for all major carriers
About Us  Find out more about our company and 18 years of experience
Contact Us   Email or Call us with your questions.  We know our health insurance!

As your health insurance needs change or plan/rate changes affect California, please come to us to review your options.  Health insurance is becoming more an issue of protecting against the big bill and this trend will continue.  Facility based health care such as hospitalization is skyrocketing in California.  We now have clients with $500K in claims in a given year for treatment such as that for cancer.  It's never been more important to have comprehensive coverage...but equally so...never more important to make sure you are on the most cost-effective plan.  We are here to help you with this and as your personal is our job.  Please have a wonderful Holiday Season and Be Well

                                  Dennis Jarvis       Andrea Goodacre Jarvis



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14 years of experience with California health insurance since 1994