PremiumWatchdog.com

YOU SHOULDN’T HAVE TO PAY MORE FOR HEALTH INSURANCE THEN YOU HAVE TO.

That’s our slogan, our mission statement, our mantra, our oath, our pledge, and our motto. We know how to save you money now and every single day you are our client. We’ll be your insurance plan watchdog and will help you manage the complicated world of health insurance. As our client, we’ll notify you when your insurance premium is about to change and we will provide you with your alternative coverage options. We’ll work with you, if you want us to contact you every year, every month, every week, or every day we’ll do it (please provide us some treats if we are contacting you daily). We’ll also handle the paperwork and we can serve as your single point of contact for any issue you may have with your insurance company. We know that money doesn’t grow on trees and appreciate the importance to battle the rising cost of healthcare. We’ll be with you every step of the way.

We used to be one of “them” - we used to work for a big insurance company so we know all of the tricks of the trade. We know why insurance< carriers and big insurance brokers recommend the plans they do – surprisingly, it’s often in THEIR best interest and not yours. We represent all major California insurance carriers, and individual and small group health insurance product lines including individual & family, small group, Medicare supplement, Short-term and California State Health Programs. Too many options? Confused??? Well, we don’t blame you it’s a complicated system (just ask Arnold, Hillary or Newt). The good news is that we’re on your side every step of the way. We’ll help you find the best coverage that fits your needs and budget.

Nothing, nada, zip! When it comes to price we offer you the lowest premium possible from the carrier. California insurance prices are regulated by the State of California so you’ll get the same priced plan if you buy it from us, from another agent or directly from the insurance carrier.

Well, there is a downside with buying your insurance from us - you may actually start to like your insurance agent. You may in fact start inviting us to birthday parties, weddings, and company picnics. Ok, we’re getting carried away now… we can dream right?

Over the last 10 years, the average price of a health insurance plan has risen 12% each year annually. This rate outpaces the rate of inflation (and undoubtedly the salaries that we make). Unfortunately, this number is expected to continue to rise so the sooner you buy a policy the sooner you lock in today’s low premium.

We�re on top of this news � in fact we love healthcare reform because it�ll benefit all members of health insurance plans (remember we�re not just selling this stuff, we�re members just like you). This topic is so heated and ever changing, give us a call and we�ll fill you in on the latest news.

#1- We used to work for insurance carriers and we left the corporate world because we got tired of the seeing hardworking people and business owners spending a large portion of their income on health insurance products � more often than not, these products didn�t even meet their needs! We know that health insurance is complicated and expensive, and typical consumers are not on a level playing field with insurance carriers and large insurance brokers. We want to save you money by finding plans that meet your needs and budget now and in the future.

#2- We want you to be our client for life. Yes, this is good for business and helps us pay for braces for our kids and kibble for our dogs. However, this is even better for you since we know that to keep you happy we need to provide you value today and in the future. This is why we�ll provide you with the lowest cost product alternatives whenever you face premium increases by your insurance carrier. We�ll also serve as your advocate in any dispute or claim you may have with your health insurance carrier.

Yes, health insurance is more affordable then you may think. We have plans starting at less than a dollar a day � yes, these are real health insurance products from major insurance carriers. If you have special financial needs, there are California state health programs available for qualifying families with premiums as low as just a few dollars per month.