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 Pacifica Pacoima Palm Desert Palm Springs Palmdale Palo Alto Palos Verdes Estates Panorama City Paradise Paramount Parker Dam Parlier Pasadena Paso Robles (el Paso de Robles) Patterson Pearblossom Pebble Beach Perris Pescadero Petaluma Petrolia Phelan Phillipsville Philo Pico Rivera Piedmont Piercy Pilot Hill Pine Grove Pine Valley Pinecrest Pinedale Pinole Pioneer Pioneertown Piru Pismo Beach Pittsburg Pixley Placentia Placerville Platina Playa del Rey Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Princeton by the Sea Project City Quartz Hill Ramona Rancho Bernardo Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Ravendale Red Bluff Redcrest Redding Redlands Redondo Beach Redway Redwood City Redwood Estates Redwood Shores Reedley Reseda Rialto Richmond Ridgecrest Rio Dell Rio Vista Ripon Riverbank Riverside Rocklin 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Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut 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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.
Changes in health plan designs and benefits

Changes in networks

Changes in premiums

New health plans available on- and off-exchange
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. 
Covered California Certified Agent
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.
Helpful Information
Annual Small Employer Special Enrollment  A provision of the health reform act provides a one-month window for small groups to enroll without having to meet normal participation/contribution requirements.  This period runs from November 15th through December 15th (some carriers allow more time for completion) and allows small employers to offer a group health benefit plan with much lower requirements. 

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.
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Contact Information
David Fluker Insurance Services
800-509-0659
408-847-6139
Mailing Address Only
767 Maria Way
Gilroy, California 95020

E-Mail info@davefluker.com
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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.
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.
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