Services

Health Plan Applications
Provider Finder
Individual & Family Health Insurance
Individual Health Insurance, Child Only
Group Health Insurance
Dental Insurance
Medicare Supplement Insurance
Medicare Advantage
Life Insurance
Long Term Care
Critical Care Insurance
Disability Insurance
Frequently Asked Questions
Health Terms

These days more and more people are looking into buying their own individual insurance policy. With fewer employers offering group health plans, it may make financial sense for you to get tailored, individual coverage. You’ve got many factors to take into consideration, including getting the right coverage and staying within your budget. Don’t forget about premiums and deductibles! We can help you find affordable individual coverage with the right options and quotes to choose from.

Common forms of individual health insurance include:

• PPOs (Preferred Provider Organization)
• HMO (Health Maintenance Organization)
• HSA (Health Savings Account)
• FFS (Fee for Service)

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We work with some of the top rated carriers in the state, including Blue Cross Blue Shield San Diego (and many more) to offer you competitive rates. You can pick and choose to find the plan that suits your needs by comparing multiple insurance quotes. Insurance quotes are free and you are never pressured to buy. Contact us at (800) 251-0364 to speak directly to an agent, or get a quote for individual and family health insurance in California. We look forward to assisting you!


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Not all groups are the same – there are different sizes and different budgets to take into account. So you shouldn’t have to settle on just one group health policy when you can compare several! Health & Insurance Services can help you find the plan that best meets your needs. Insurance rates are regulated by each state; however, not all plans offer the same benefits and features. We’ll help you wade through the options with plans from big name carriers like Blue Cross Blue Shield Los Angeles, United HealthCare Los Angeles and more. While employers are not required to offer group health plans to their employees, offering a quality plan is a great way to attract talent and keep your employees happier. Get to know your options by working with us. We will guide you through this process to ensure you are satisfied with your coverage. To get started, call (800) 251-0364 and speak to one of our helpful insurance agents. You can also fill out our no-obligation group health insurance CA quote form. A representative will get back to you shortly to review your options.


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Preventative care is perhaps more crucial for the long-term health of your teeth and gums than it is for any other part of your body. While regular check-ups and cleanings may seem trivial, these routine practices can help to ward off costly procedures. In the event that a major procedure is necessary, dental coverage can save you thousands of dollars.

We offer a variety of dental insurance plans with covered services that include the following:

• Routine dental exams
• Routine cleanings
• Fillings
• Root canals
• Periodontics
• Dentures

Everyone deserves access to affordable, quality dental care. At Health & Insurance Services, we offer you some of the leading dental plans throughout California. Whether you need dental insurance California or you are located elsewhere in CA, give us a call. Our expert agents will go over your requirements and match you with the dental coverage that works for you. Don’t wait any longer, call (800) 251-0364 and get started today!


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Medicare Advantage

Understanding Medicare can be easier said than done. Our expert agents at Health & Insurance Services are dedicated to working with residents and seniors throughout California and making sure you get the senior health coverage you need.

While original Medicare provides comprehensive coverage, it does not cover everything. That is why Medicare Supplemental coverage exists, to fill the gaps in Medicare coverage. Medicare Advantage, or Medicare Part C is offered through private insurance companies approved by the government.

Medicare Advantage can provide Part A (hospital insurance) and Part B (medical insurance) coverage and may offer extra coverage for:

• Vision
• Hearing
• Dental
• Medicare prescription drug coverage
• And others

Find out if a California Medicare Advantage plan is right for you. Just give us a call at (800) 251-0364 to speak with one of our friendly insurance agents. You may also fill out our Medicare quote form for more information and to get a quote.


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Disability insurance is designed to supplement a percentage of your income, tax-free, should an illness or sickness prevent you from working. Not all disability policies are the same, which is why you should consult with an insurance agent before applying for a plan.

We’ll take all of your considerations into mind, finding a plan that suits your needs and your budget. It’s important to find a policy that does not sacrifice quality for affordability. We’ll help you reach a happy medium, with dozens of options from quality California insurance carriers.

For more information on disability insurance California, contact our helpful agents today, it’s toll-free at (800) 251-0364. We look forward to assisting you! You may also fill out our Disability quote form for more information and to get a quote.


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Critical care insurance in California is designed to cover expenses that result from an individual’s long term recovery as a result of an illness. Critical care insurance can help you continue to pay medical expenses when you cannot work.

Depending on your specific policy, critical care plans may cover the following illnesses:

• Heart attack
• Stroke
• Kidney failure
• and more

Critical care insurance provides coverage in the following ways:

• Provides a lump sum benefit if the policyholder is diagnosed with one of the covered conditions.
• Payments are made directly to the policyholder.
• Assists with expenses incurred by a long term recovery.
• The coverage is guaranteed to be renewed as long as the premiums are paid.

Not all critical care policies are the same – different plans have varying benefits and premiums. If you are unsure about your options, it’s a good idea to consult with one of our insurance agents. We have several years of experience with all types of California insurance and can help advise you on the best-fitting plan for your life and budget.

For more information on critical care coverage in California, please contact us today. Call toll-free (800) 251-0364.

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Health & Insurance Services | Family Health Plans, Medical Insurance, Affordable Health Insurance California, Individual Health Insurance, Medicare Part B & Part D, Medicare Supplement Plans, Dental Insurance, Life Insurance, HMO, PPO, Critical Care Insurance, Disability Insurance, Long Term Care, San Diego Health Insurance, Anthem Blue Cross, Aetna, Health Net, Health Care Insurance, San Diego Life Insurance, Oceanside, Vista, Encinitas, San Marcos, Solana Beach, Escondido, Fallbrook, Poway, San Clemente, Temecula, Murrieta, Ramona, Dana Point, San Juan Capistrano, Wildomar, San Diego County CA, California | 2768 Loker Ave. West, #100, Carlsbad CA 92010 | (760) 692-2217 or Toll Free (800) 251-0364