Serving San Diego and Temecula since 1989

Our Services

We Put Your Needs First

Everyone’s needs are different — there is no single solution that works for everyone. We don’t play favorites with carriers and we don’t get paid any differently by suggesting one carrier over another.

Personalized Service

Each client has a specific budget and specific needs. Understanding this helps us narrow down the options so we can present the plans that are tailored to meet your specifications.

Honest Assessments

There are literally over 100 health plans to choose from, each with different costs and benefits, coverages, and limitations. Since all we do is work with health care plans, we understand the differences between the available options and can quickly assess the plans that will best meet your needs.


As specialists in health insurance, it is extremely important to us that you understand the plan that you’ve chosen and are satisfied with any plan we recommend. For this reason, we take the time to explain and clarify the details of your plan. The last thing that we want is for a lack of understanding to affect you negatively.

Customer Service and Support

Purchasing a health insurance plan through us is just the beginning of what we hope will be a long-term relationship. As a client, we are happy to assist you in filing claims paperwork, claims reimbursement, expediting authorizations and referrals, and managing policy changes. Just call us. Our capable staff will help you in any way that they can.

Keeping Your Coverage Competitive

The health insurance industry is constantly changing. It’s not uncommon for plan costs to increase over time, and for new plan offerings to become available. Over time, your needs may change as well. For this reason, we expect that you’ll want to sit down every so often to review how well your current plan is meeting your needs, and determine…

Pre-existing Condition Insurance Plan

The federally-funded program is called the California Pre-Existing Condition Insurance Plan (PCIP). The PCIP offers health coverage to medically-uninsurable individuals who live in California. The program is available for individuals who have not had health coverage in the last 6 months. The California PCIP is run by the Managed Risk Medical Insurance Board (MRMIB).

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