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The phrase “health insurance” carries a lot of weight, especially today. Though critically important, it can bring up feelings of concern, distrust, and stress. At Pacific Legacy Insurance, we believe in the accessibility of health insurance. We take pride in coverage that offers competitive rates and generous benefits. Because we understand both the routine procedures, as well as the unexpected ailments, that come to ourselves and loved ones, we promise consistency, honesty, and dependability through the plans we offer.
Some of our health insurance coverage options are listed to the right:
The phrase “health insurance” carries a lot of weight, especially today. Though critically important, it can bring up feelings of concern, distrust, and stress. At Pacific Legacy Insurance, we believe in the accessibility of health insurance. We take pride in coverage that offers competitive rates and generous benefits. Because we understand both the routine procedures, as well as the unexpected ailments, that come to ourselves and loved ones, we promise consistency, honesty, and dependability through the plans we offer.
Some of our health insurance coverage options are listed to the right:
Group health insurance plans are purchased by companies and organizations and then offered to their members or employees. Plans usually require at least 70% participation in the plan to be valid. Because of the many differences—insurers, plan types, costs, and terms and conditions—between plans, no two are ever the same. The cost of group health insurance is usually much lower than individual plans because the risk is spread across a higher number of people. Pacific Legacy Insurance offers coverage through all the major carriers.
Individual health insurance is for anyone who doesn’t have access to employer-sponsored or government-run health coverage. This includes people who are employed by a small business that doesn’t provide health benefits, people who are self-employed, and people who retire before they’re eligible for Medicare and have to get their own personal health coverage until they reach age 65. At Pacific Legacy Insurance, we strive to find the best rates to maximize your coverage needs
Medicare is for individuals 65 or older, and some younger people with disabilities. Pacific Legacy can assist you with enrolling into Medicare and into Private Senior Supplement Plans, Medicare Advantage Plans, and Part D plans.
Dental insurance is designed to help you offset the cost of your dental care and to help you maintain good overall oral health. We offer group and Individual plans to fit your needs.
Vision care insurance will often cover routine eye health expenses such as eye exams, contact lens fittings, contact lenses, and eyeglass lenses and frames. Some plans may even provide a discount on LASIK procedures and other corrective surgeries.
At Pacific Legacy Insurance, we are dedicated to the care and protection of both you and your loved ones. Life insurance policies generously contribute to supporting your dependents in the event of a tragic loss.
Disability insurance offers an array of benefits to a wide span of people. Whether for a physical, mental, or emotional impairment, disability insurance will replace wages lost due to said disability.
In addition to your basic term life coverage, accidental death and dismemberment coverage can be a relatively low-cost way to protect against unexpected events that result in loss of life, speech, hearing, sight, paralysis, and more.
At Pacific Legacy Insurance, we believe that everybody should have access to healthcare. Covered California allows residents of California with limited income to receive high quality care with subsidized rates through private health care companies.