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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2016 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Welcome to my web site. As an independent insurance agent located in Gilroy, California, my agency is web-based which allows me to work with people all over California. I have been serving the insurance needs of California residents since 1995.
I am here to help you understand the insurance policies available, find the policy that makes the most sense for your situation, help you apply for coverage and provide service on your policy. You can always call me instead of an insurance company for questions, issues or changes in your life or coverage. There is no fee or cost to you for my services. The premium you pay should you buy a policy through me will never be higher than going direct to the insurer or exchange.
This web site is owned and maintained by David Fluker Insurance Services, which 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 Insurance Services and cannot be used to contact Covered California.
The instant online quoting service provides instant online quotes from multiple insurance companies for Medicare Supplement Plans as well as Individual & Family coverage on and off exchange. 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 short-term interim health coverage, international travel medical health coverage, and dental & vision plans
I hope that you find my web site helpful, useful and able to meet your needs in terms of information. I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs.
Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.
David Fluker Insurance Services
Mailing Address Only
767 Maria Way
Gilroy, California 95020
David Fluker Insurance Services
Gilroy, California - Serving California Residents Since 1995 CA License 0B58920
New to Medicare If you are new to Medicare (turning 65 or new to Part B over 65) some carriers offer premium discounts for the first year on their Medicare Supplement Plan F. These discounts do not appear in the online quoting so be sure to contact me for information on New to Medicare discounts from California carriers. These discounts are for those 65 and older, not for those under 65.
California Medicare Supplement Birthday Rule California law stipulates an annual "birthday rule" with regard to Medicare Supplement plans. The birthday rule allows any California Medicare beneficiary currently enrolled in a Medicare Supplement Plan to change to "like or less" coverage with any available insurer on their birthday and 30 days thereafter. Some carriers like Blue Shield are currently allowing year-round birthday rule changes and other carriers like Health Net have extended the time frame for enrollment to a bit longer period. Check with me for rates and options if you are enrolled in Medicare Supplement in California and your birthday is coming up.
Traveling Outside of the USA While original Medicare provides network access in all fifty states, it does not provide much if any benefit when traveling outside of the country. Same with domestic health insurance plans. I recommend travelers purchase an international travel medical coverage plan for the duration of their trip to ensure access to all levels of medical care in the host nation(s). You can find information on international travel medical coverage here.
Qualifying Life Event In order to purchase individual & family health insurance (major medical), you must enroll during the annual open enrollment period (for 2017, open enrollment begins 11/1/16 and ends 1/31/17). The only exception on or off of the exchange is for those who experience a Qualifying Life Event (QLE). QLE allows enrollment within 60 days of the event.
Short-Term Health Insurance Short-Term Health plans are available in California by HCC Tokio Marine. These plans are intended to be used as interim coverage for gaps in compliant group or individual health insurance. They are available in 6-month terms,are subject to medical underwriting and generally exclude pre-existing conditions. Get a short-term quote here.
Immigration Status Valley Health Plan in Santa Clara County will allow enrollment off-exchange in their HMO plans without required legally present status. Contact me for more information, rates or to enroll with Valley Health HMO. There may be changes coming under CA SB 10 for Covered CA enrollments state-wide.
As a Covered California Certified Insurance Agent, I can help you enroll on the exchange for health coverage that may include Premium Tax Credits, Cost Sharing Reductions, or both. I can help set up your account over the phone or from a completed paper application. As your appointed agent, I can monitor your Covered California enrollment and, at your request, report changes to the exchange on your behalf. If you qualify for subsidies, you must enroll through Covered California to receive them.
2017 OPEN ENROLLMENT BEGINS ON NOVEMBER 1st
Need Help? Have A Question?
Changes in health plan designs and benefits
Changes in networks
Changes in premiums
New health plans available on- and off-exchange