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David Fluker Insurance Services
Gilroy, California - Serving California Residents Since 1995 California License 0B58920
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2017 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
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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.
Welcome and thank you for visiting. As an independent insurance broker located in Gilroy, California, I specialize in helping you obtain the most appropriate and cost effective coverage for you and your family or small business. :
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. Brokers are paid by the insurance company. The premium you pay should you buy a policy through me will never be higher than going direct to the insurer or health benefits exchange.
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.
Small Employer Group Plans are available for year-round enrollment.
Short Term Health Plans are available year round to those who qualify. Coverage can begin the next day, plans can be purchased for up to 6 months, and are renewable.
International Travel Medical Plans are available year round for visitors to California, Students and California personal or business travelers going overseas. Short- and long-term options are available.
Medicare Supplement Plans For California Seniors 65+
Medicare Supplement open enrollments are offered with no underwriting on your birthday plus 30 days. You can change to any like or lesser Medigap plan guaranteed issue. Blue Shield CA is continuing the year-round open enrollment (birthday rule). Change in any month to a Blue Shield Medigap plan from your current plan if you can save money!
MAGI Medi-Cal (Income-based Eligibility)
Individuals & Families newly eligible for MAGI Medi-Cal (California Medicaid) may enroll year-round. I can assist you with ID verification and enrollment in Medi-Cal via Covered CA.
The future of the ACA/ObamaCare is now in question with the Trump administration. Indications are that the House and Senate may work quickly to repeal and replace the ACA with a new health insurance system. How soon they may roll out a replacement is anyone's guess at this point. Stay tuned and be sure to visit my Facebook page for updates on TrumpCare as well as updates and information on our BLOG.
The 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 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.
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