Gilroy Health Insurance . com                                                                                                              
David Fluker California Health Insurance
Gilroy, California - Serving California Residents Since 1995  California License 0B58920
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(408) 847-6139
 
This web site is owned and maintained by David Fluker , who is solely responsible for it's content.  The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content.  The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker and cannot be used to contact Covered California.
Gilroy Health Insurance . Com    
Division of David Fluker California Health Insurance Gilroy, California     California Insurance License 0B58920
©2017 by David Fluker | David Fluker | All Rights Reserved
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2018 California ACA Open Enrollment Period Nov 1, 2017 - Jan 31, 2018
Anthem   Blue Shield   Kaiser   Valley Health   Health Net   Oscar   GeoBlue Global   Covered California
Complimentary Instant Health Insurance Quotes
Plans, Benefits, Provider Search & Subsidy Calculation  Apply On or Off Exchange
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Welcome and thank you for visiting.  I am an Independent California Life & Health Insurance Agent.  I work with the top insurance companies to help you find the best available insurance coverage at an affordable price.  I am a Covered CA Certified Agent with over 22 years experience in the health insurance industry.  There is no fee or cost to you for my services.  Your premium will be the same as buying directly from the insurance company or marketplace.
Covered CA is the California State Marketplace.  Health Insurers provide health plans to the marketplace for those who are eligible for premium tax subsidies and cost-sharing reduction subsidies.  Covered CA is also the primary source for enrollments in Medi-Cal (California Medicaid).  As a Certified Agent, I can assist you with setting up your account and enrolling on Covered CA. 
Individual & Family health insurance plans are available in the private market (off exchange) for those who do not qualify for subsidies or choose not to purchase health insurance from Covered CA.  These health plans generally mirror plans sold in the marketplace.  Premiums, metal tiers and benefits are equal to the mirror plan on Covered CA.  Some insurers may offer additional compliant health plans only in the private market.
Medicare Supplement plans provide coverage for the gaps in Orignial Medicare.  We feature Medicare Supplement plans from top-rated California insurance companies including Plan D, F, G & N.  Discounts may be available so check with me to see if you qualify.  Some insurers offer SilverSneakers (R) at no additional cost to you.
Small Employer Group Benefits
Small Employer Group Plans are available for year-round enrollment.  Benefit choices include health, dental, vision, and life.  Small Group health plans offer much broader provider networks and drug formularies than individual & family health insurance under the ACA.  Annual Special Group Enrollment Period runs from Nov 15th to Dec 15th each year.  Eligibility requirements are relaxed during Special Enrollment.  Household group coverage is available from Anthem Blue Cross.
International Travel Medical Plans are available year round for visitors to California, Students and California personal or business travelers going overseas.  Short- and long-term options are available as well as employer group coverage.  Plans available from GeoBlue Global, HTH Worldwide, Atlas Travel and Petersen International   (IMGlobal coming soon).
The future of the ACA/ObamaCare is now in question with the Trump administration.  Indications are that the House and Senate may work quickly to repeal and replace the ACA with a new health insurance system.    How soon they may roll out a replacement is anyone's guess at this point.  Stay tuned and be sure to visit my Facebook page for updates on TrumpCare as well as updates and information on our BLOG.
Enrollment Periods & Special Enrollment

2017 ACA/ObamaCare Open Enrollment will be ending on January 31st for individual & family plans.  Enrollments after that will need to be done under the Special Enrollment Period (SEP) criteria for Qualifying Life Events.   This is similar to the old HIPAA enrollments but, of course, with more options.

Most common SEP qualifying events include: Loss of Employer Coverage, End of COBRA or Cal-COBRA, Separation from Military Service, Marriage and Birth or Adoption of a child.  There are other SEP events as well which may allow you to enroll outside of Open Enrollment.


The complementary instant online quoting service provides instant online quotes from multiple insurance companies for Medicare Supplement Plans as well as Individual & Family coverage.  All information entered for instant quotes is only seen by me and is never shared, sold or provided to any third party for any reason.  I also have instant online quoting for short-term interim health coverage, international travel medical health coverage, and dental & vision plans

I hope that you find my web site helpful, useful and able to meet your needs in terms of information.  I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs. 

Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.
(408) 847-6139
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