We have dedicated health insurance resources that can assist you in your health insurance purchasing decisions. If you are an employer, looking for a cost-effective solution for your employees, a family looking for insurance for you and your children, or you are becoming Medicare eligible and are confused about the options that are now available to you as a new Medicare beneficiary, Valley Center Insurance offers resources to assist in all of your health insurance purchasing needs.
As an independent broker, Valley Center Insurance works with several major health insurance carriers, and can offer a solution that is best suited for your specific situation. Whether you are interested in health plans through CoveredCA - the public exchange, a private exchange, or purchasing coverage directly with a specific carrier, we have the expertise to design and implement a HR solution that will provide your employees with best-in-class benefits. Our trained and certified staff can assist you with any combination of medical, dental, vision, life, and voluntary benefits, and can make recommendations that will meet your employees’ needs while staying within company’s budget.
For some, the Affordable Care Act provides low-cost health insurance. However, purchasing health insurance for you and your family has become a daunting task. Making the wrong purchasing decision can have long-lasting affects to both the level of care you receive and to your pocketbook. Let our experienced professionals guide you through the purchasing process. We can help you determine if purchasing a health plan through CoveredCA or purchasing directly from an insurance carrier is your best choice, and we can guide you to the plan that will continue to give you access to the doctors and healthcare professionals you are currently using.
Moving into Medicare can be a scary process, and many newly-eligible beneficiaries are hesitant to make the move fearful that they may make the wrong purchasing decision.
Valley Center Insurance has been assisting Medicare eligible beneficiary’s transition into Medicare for over a decade. Using our proven transition process, we can explain to you in easy-to-understand language exactly what you need to know to move from your current employer-based or individual/family plan into the Medicare health plan that best meets your needs. We will walk you through the entire process and are here to answer any questions you have.
Our agency works with many life insurance companies, so we can find the most cost effective solution for your specific needs. In purchasing a policy, it is important to analyze the amount you need and for how long you will need it. There are many different types of policies available (e.g. term, whole life, universal life, etc.) and we are happy to help you select an appropriate policy.
How is your family going to survive if you are unable to earn an income due to an illness or an injury? Compared to other types of insurance, there are not too many agents experienced and competent to handle this type of insurance. We are. Disability statistics are alarming.1
- 1 in 8 workers will be disabled for 5 years or more during their working careers
- 1 in 4 workers entering the workforce today will be disabled for 3 or more months in their working career.
- Approx. 90% of disabilities are caused by illness, 10% are due to accident.
- 68% of adult Americans have no savings set aside for emergencies, and over 1 in 3 working Americans could not pay their bills for more than 3 months if they lost their ability to earn an income.
State Disability and SSDI may provide some protection, but these programs are not designed to provide all the income required to meet your financial obligations while you recover from a disability. Especially for the self-employed, a disability policy can prevent the financial devastation that usually occurs if you lose your ability to earn an income. Call us for a free consultation today.
1 Council for Disability Awareness http://disabilitycanhappen.org