Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove 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Enrollment Periods & Special Enrollment
2017 ACA/ObamaCare Open Enrollment will be ending on January 31st for individual & family plans. Enrollments after that will need to be done under the Special Enrollment Period (SEP) criteria for Qualifying Life Events. This is similar to the old HIPAA enrollments but, of course, with more options.
Most common SEP qualifying events include: Loss of Employer Coverage, End of COBRA or Cal-COBRA, Separation from Military Service, Marriage and Birth or Adoption of a child. There are other SEP events as well which may allow you to enroll outside of Open Enrollment.
The complimentary instant online quoting service provides instant online quotes from multiple insurance companies for Medicare Supplement Plans as well as Individual & Family coverage. All information entered for instant quotes is only seen by me and is never shared, sold or provided to any third party for any reason. I also have instant online quoting for international travel medical health coverage, and dental & vision plans
Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.
This web site is owned and maintained by David Fluker, who is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker and cannot be used to contact Covered California.
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 by David Fluker. All Rights Reserved.
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TrioMED Wrap-Around Metal Gap Coverage Deductible/Out Of Pocket Reimbursement
TrioMED Insurance from National General provides wrap-around coverage for Accident, Critical Illness and an Accidental Death & Dismemberment benefit.
TrioMED pays you for qualifying medical expenses. Your payment can be used to offset your health plan deductible and out of pocket costs or costs for things not covered by your health plan.
Small Employer Group Plans are available for year-round enrollment. Your benefit choices include health, dental, vision, disability and life. Small group health plans offer your employees much broader provider networks and drug formularies than individual & family health insurance under the ACA. Pre-tax contributions increase savings. Employee-Only options are available for those who wish to keep their family members on subsidized marketplace coverage.
Medicare Supplement plans provide you coverage for the gaps in Original Medicare. We offer Medicare Supplement plans from top-rated California insurance companies including Plan D, F, G & N. Discounts may be available so check with me to see if you qualify. Some insurers offer SilverSneakers (R) at no additional cost to you. Check out Anthem's new Innovative F Supplement.
Individual & Family health insurance plans are available in the private market (off exchange) if you do not qualify for subsidies or choose not to purchase health insurance from Covered CA. These health plans generally mirror plans sold in the marketplace. Some insurers may offer you additional compliant health plans only in the private market, mainly in the Bronze & Silver tiers.
Covered CA is the California State Marketplace. Health Insurers provide health plans to the marketplace for those who are eligible for premium tax subsidies and cost-sharing reduction subsidies. As a Certified Agent, I can assist you with setting up your account and enrolling on Covered CA and provide ongoing service throughout the year.
International Travel Medical Plans are available year round Students and California Personal or Business travelers going overseas as well as Missionaries, Marine and Crew. Short- and long-term options are available as well as employer group coverage. Plans available from GeoBlue Global, IMG, HTH Worldwide, Atlas Travel and Petersen International.
Dental & Vision Plans available to individuals and families in California. Delta Premier, Vision Service Plan and more are available through Morgan White association program. These are employer group level benefit plans. Coverage also available from Carrington Discount, Nationwide, Renaissance, and Standard Life.
Specialty Insurance & Surplus Lines. I have a variety of plans available that are not a part of the ACA.
(Short Term Health product will be discontinued 2/28/18)
Accident Only Major Medical
Medicare Bridge Major Medical
Accident & Critical Illness Coverage
Missed Open Enrollment?
Additional National General plan options include Plan Enhancer Accident Medical Expense and Accident Fixed Benefit plans.
Wrap coverage available for individuals & families. Most small group plans prohibit using a wrap product.
Click here to get a quote from National General
The 2018 annual Open Enrollment Period for ACA coverage closed on January 31st. The next Open Enrollment will begin in November. If you did not enroll in a plan during open enrollment, there are things you can do to get covered in 2018.
If you become eligible for Medicare you can enroll and purchase a supplement and drug plan
If you start a business with at least one full-time employee, you can set up an employer health plan
If you get a job (or change jobs) and your employer offers health benefits, you can sign up
If you qualify for Medi-Cal (California Medicaid) you can sign up at any time during the year
If you experience a Qualifying Life Event (there are many of these) you can purchase ACA coverage*
If none of the above apply, MRMIP is available. MRMIP is considered qualifying ACA coverage.
*Common Qualifying Life Events are: loss of dependent status, marriage, birth or adoption, loss of employer coverage, divorce and relocation
Welcome and thank you for visiting and choosing my website to research your health insurance needs. I am an Independent California Life & Health Insurance Agent and a Covered CA Certified Agent with 23 years experience in the health insurance industry. I work with top rated insurance companies to help you find the best available health care coverage at the lowest price. There is no fee or cost to you for my services. Your premium will be the same as buying directly from the insurance company or marketplace. I hope that you find my website helpful, useful and able to meet your needs in terms of information and options.