California was the first state in the nation to enact legislation under the Affordable Care Act. Cover California™ was created to develop an organized marketplace where legal residents of California can buy health coverage that cannot be denied or canceled if you are sick or have pre-existing health conditions.

Santa Cruz Health and Life is an official Cover California broker partner and can help quote and enroll you and your family in one of the new affordable Individual and Family Health Insurance plans through the Cover California program starting January 1, 2014.

You can also read more about the Cover California program by downloading one of the fact sheets below.

Covered Calfiornia - Fact Sheet

Getting Financial Help - Fact Sheet

Getting Yourself & Family Covered - Fact Sheet

Being an independent agency, we can help you choose the plan that best fits your needs! As with most insurance products, the richer the benefit package, the higher the premium. Some clients prefer medical plans with low deductibles and annual out-of-pocket maximums that reduce their claim exposure. Other clients prefer lower monthly premiums and enroll in high deductible plans and pay more for claims, if and when they occur.

We represent carriers like Anthem Blue Cross, Blue Shield and Health Net.

When it comes to the health of your teeth and gums, preventive dental care is smart. Routine dental exams and regular cleanings may help prevent the incidence of higher-cost treatments such as periodontal surgery, root canals, extractions and fillings. Early detection and prevention will help minimize your need for more serious dental treatment. We have partnered with Delta Dental to offer coverage with the biggest dental insurance carrier in California.

Ancillary lines of insurance should be considered since it provides coverage for things that are very important to both your overall health and finances, but which are not covered by a medical plan. Adding vision, life insurance and long term care policies, protect your overall well-being and financial assets. Please contact our office for a personal quote.