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Individual Coverage (including Medicare Supplements)

Rates for insurance are determined by your age and zip code of residence. No matter what site you go through, including the carriers themselves, the rate for a particular plan will be the same, You are not shopping for a car.

If you have lost your coverage due to change of residence, loss of job, spouse losing coverage, then you may apply during a "Special Enrollment" period.

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As of January 1, 2014 all individual and Family Plans are "guaranteed to issue", no one can be turned down due to medical conditions.

In order to obtain a subsidy, if you are eligible, you must go through the exchange known as Covered California. We can assist you in applying and recommend plans that suit.

The same plans are offered both on the Exchange and off exchange, the difference being that there are more plans available off the exchange. The rates for plans on exchange are exactly the same for that plan off exchange.

To apply for Individual Plans please navigate back to HOME page and click on QUOTES

We also offer Medicare Supplement Plans from the major carriers. Quotes can be obtained on Home page.

Medicare has deductibles and co-insurance and supplements can eliminate out of pocket payments.

Although AARP offers Medicare supplements, they are acting entirely as agents and only represent one carrier, United Health Care. Using our quote system allows you to shop for the best deal.

Before applying for a Medicare supplement you must sign up for Medicare Part A (Hospital benefit) and Medicare Part B (doctor visit benefit). The window for signing up is 3 months before you turn 65 and 3 months after.