First, we are licensed California agents and Certified Covered California agents.
More importantly, we have focused on California health insurance since 1995.
Our assistance is 100% free to you.
We really do want to help people find the best health coverage and understand their options.
Look at our website. Look at the tools we make available for free:
Since 2014, health insurance is more complicated than ever.
Taxes. Income estimates. Penalties. Politics. Rules and Regulations.
See...health insurance can be fun!
That's where a good health insurance agent is invaluable.
The focus is on "good".
With any profession, you have a range of knowledge, ability, and just plain caring.
It's very important to us to be good agents...but furthermore, just be good people.
You'll see when you speak with us.
If you don't have an account (or haven't completed much), you can quickly enroll here
The world of health insurance has changed quite a bit.
Local means less these days in the world of online information.
What matters is knowledge, competence, and actually wanting to help people.
Hopefully, it comes back around.
You'll be dealing with a principle of the company in your dealings so we can afford this level of care.
Call 800-320-6269 or email us with any questions.
We've been busy over the past 20 years!
We can help you!
If you have an existing Covered Ca account, you can choose as your agent. Steps are here.
If you're new to the system, we can help compare plans, enroll in coverage, and help with ongoing membership.
Just run a Covered Ca quote here:
You can Enroll right here:
Or contact us at 800-320-6269 or by email.
It's complicated now. Let us make it easy. Seriously!
Here are some key resources to help but feel free to contact us..our assistance is 100% free to you as Certified Covered California agents:
Lots of great information to get you started.
It's not uncommon to interchange these two terms but they are subtle different.
Officially, a California health agent is an individual or company that acts on behalf of the carriers to market, sell, and service insurance.
The Agent has a contract with the carrier in order to transact this business.
A broker is person who also contracts with carriers but officially acts on behalf of the client.
In practical terms, they are similar when operating in the California health insurance market.
Goodacre Insurance Services, the owner of calhealth.net is a California agent (we have contracts with all the major carriers) but our business goal and mission is to help the end consumer find the best plan and rate for their situation with no real concern to which carrier they go to (aside from being a solid carrier with a good track record).
We have contracts with the carriers but no affinity to one over another.
There are dozens of plans on the market and just running your instant California health insurance quote gives you only half the story.
You can't glean this information from an online quote.
This is where the experience of an agent comes into play.
We deal with all these carriers day in and day out.
We know the little secrets that get glossed over in the colorful brochures and snazzy plan names. We know...and that means you know!
There are health insurance carriers out there that use captured agents.
These are individuals that essentially work for the carrier in question.
They will only discuss, market, and sell that carrier's plans.
There's no reason to go this way..or at least any reason in your interest.
Since we can quote all the major carriers side by side at our site, it doesn't make sense to just look at one carrier.
It's pretty obvious this would not be advantageous to the end consumer.
It's very similar to travel agents.
We receive a commission directly from the carriers and these amounts are pretty similar from carrier to carrier.
Essentially, you get our services as a third party at no cost.
Many people deal directly with the carriers but keep in mind that they are big companies and you're essentially dealing with a "captured agent" since they can only discuss options in-house which may or may not be the best for your situation.
Some of the representatives at the carriers are very knowledgeable and others are...let's face it...newer.
So what should you expect from your broker/agent and especially Goodacre Insurance Services?
Let's cover some of the key things a California health agents can help with (free to you):
A little more detail where it's important...
Goodacre Insurance Services provides service spanning three main areas.
This is half the battle to being satisfied with your health plan.
It's complicated and there's a great deal of specific terminology.
A lot of shoppers glaze over when they first run their online health quote.
Let's face it....health insurance is not a common purchase.
Typically, people have not needed to shop health insurance in years...if ever.
It's pretty amazing what two decades of direct experience will do...with just a few questions, we can usually boil down even the most complex health insurance needs to a few solid options.
We want you to be informed.
On a daily basis, we hear from our clients that they wish they would have called earlier rather than try to navigate the volumes of information provided the plans.
Let us help. We do not sell.
Completing the California health application is a big reason that people delay the health insurance question.
Some sections of the application are required by obtuse laws such as Cobra.
Small Group can be equally difficult in terms of qualification for Small Group health coverage in California.
We are happy to walk you through the application once a plan has been decided on.
This is also the time to ask about the process, payment options, cancellation options, time table for enrolling in coverage.
We wish that the application and enrollment process was the end of the story but the market is in a state of constant flux.
There are always membership, claims, and services issues and with the constant plan and rate changes, re-evaluating your health insurance periodically can save you a great deal of money as things definitely change.
We're there to help you with this renewal process as well.
Agents and brokers are required to have a license and continuing education by the California Department of Insurance.
You can always research an agent's history, carrier contracts, and other information through them.
There are different types of licenses.
The two most common are Life/Health which is used to transact California health insurance and Property and Casualty is used to transact insurance such as auto or home insurance.
Some agents do both health and P&C but it is increasingly difficult to this well and keep up with the ever-changing industries.
This is why we choose to concentrate on health insurance solely.
We know the carriers, the plans, and changes in the market. This makes us invaluable to you.
As we say on the phone here at Goodacre Insurance Services..."How can I help you out"?
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.