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Health Insurance Information



Regardless of your political views or feelings, it will be the law as of January 1, 2014 for all California residents to obtain some sort of healthcare, whether through the private sector, an exchange or through your employer, otherwise you will be hit with a fine which increases every year that you do not carry health insurance.  Individuals and small businesses will be able to get access to affordable health insurance plans.  A sliding scale of financial subsidies in the form of premium assistance will be available to help reduce costs for people who qualify and small businesses will be able to purchase competitively priced health insurance plans through the exchange that offer their employees the ability to choose from an array of plans and may qualify for federal tax credits.


Today, there is a wide variety of health insurance policies and companies offering different benefits and access to different doctors, hospitals or other providers.  It can be overwhelming to find the right health plan for you and your family, whether it is an HMO, PPO, fee-for-service, vision, dental, etc.  Some things to consider when choosing a California health insurance plan include:

•  Deductible amounts you would want to pay
•  Premium amounts you could pay
•  Are you looking for long or short-term coverage?
•  Are there any specific doctors or hospital you wish to include in your network?

We can help you understand the levels of coverage and making a choice that works for you and your family.


A Medicare Supplement plan is sold by private insurance companies, it can help pay some of the health care costs that Original Medicare (Part A and Part B) doesn't cover, like copayments, coinsurance, and deductibles.  Some policies cover travel outside the U.S, something to consider if you travel frequently.  If you have Original Medicare and you purchase a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.  Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan (Part C).  Medicare Advantage Plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare Benefits.  You can not have a Medicare Advantage Plan and a Medigap policy.  To purchase a Medigap policy you must have Medicare Part A and Part B.


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Heritage Financial Services
dba HFIS Insurance Services
CA License # 0G98543
23792 Rockfield Blvd, Suite 230
Lake Forest, CA 92630
Local- 949.215.9700
Fax- 949.215.5455
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