Individual Health Insurance, Family Medical Insurance, Group Health Insurance For Small Businesses and Large Group Employee Benefits:

Very few of us can afford the financial consequences of a major sickness or accident without the benefit of health insurance coverage. With the passage of health care reform also know as the Affordable Care Act (ACA), everyone can now have health insurance:

• You can no longer be turned down due to a pre-existing medical condition.
• Anyone, with permanent resident status, can now buy health insurance and have access to health care.
• What you pay per month is based on where you live, your age and estimated annual household income.
• Covered CA is a referring Medi-Cal agency. If you qualify for Medi-cal, your application will automatically be submitted to Medi-cal as well.

Would you like to explore all your affordable health insurance options for individuals and families? Clarify Insurance will help you select the most affordable PPO, Health Savings Account eligible or HMO plans from leading carriers. Since many of our clients are eligible for premium subsidies, we can help you navigate the Covered California health exchange and enroll you in the best plan according to your circumstances. Of course, whether you let Clarify Insurance help you or you decide to do all the legwork on your own there is never an added cost to you and you cannot find cheaper health insurance coverage anywhere else.

Are you between jobs?  Clarify Insurance can help yoiu explore all available options.

An Health Savings Account (HSA) eligible health insurance plan will help you pay for qualified medical expenses with pre-tax dollars while saving on monthly health insurance premiums with a high deductible plan.

If you are already 65 or getting ready to sign up for Medicare coverage then you can explore Medigap options from reputable health insurance carriers to fill the gaps in traditional Medicare coverage.  Clarify Insurance can help you select a Medicare Supplement Plan (also known as Medigap Insurance) that is right for you. Find out how affordable Medicare Supplement Insurance can be.

Are you a small business with 1-50 employees? Most small groups need to look for ways to optimize employee benefits as a function of overall costs. In California, over 40% of individuals get their health insurance coverage through an employer. Clarify Insurance specializes in helping small businesses analyze current group health insurance coverage and employee benefits to optimize costs or set up small business health insurance and employee benefits optimized for great savings. Whether you are interested in lowering your Small Business Group Health Insurance costs or setting up new employee benefits and small business group health insurance plans, you can submit a Small Business Health Insurance Request for Proposal. There is no cost or obligation to you. A Small Business Advisor will contact you to discuss recommendations best suited to your requirements from leading carriers and employee benefits solutions.

For companies with 51 or more employees, Clarify Insurance will design comprehensive group benefit plans to help you attract and retain top human capital. Our roots in management consulting helps us to design comprehensive group benefits consistent with business objectives by carefully balancing the tradeoffs unique to the mid and  large size enterprise.  Request your no obligation Employee Benefits proposal and explore ways to enhance your employee benefits and bring savings to the company's bottom line.