The David Fluker Health Insurance Agency
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Authorized Independent Agent
Individuals & Families
Seniors 65+
Small Businesses
Send An E-mail
Provider Search
Forms & Applications
Request Quotes
About Us
Home Page
Contact Information
Hot Topics
Site Map
Client Testimonials
Seniors 65+
Small Businesses
Send An E-mail
Provider Search
Forms & Applications
Request Quotes
About Us
Home Page
Contact Information
Hot Topics
Site Map
Client Testimonials
Click On The Images Below To Visit My Broker Sites
Get Quotes
Compare Plans
Apply Online
Get Quotes
Compare Plans
Apply Online
Blue Cross of California
Blue Shield of California
Health Net of California
Kaiser Permanente of California
Kaiser does not have a broker portal at this time. If you apply online. please included my name and ID# 7403 on the application. Thanks!
David J. Fluker, Licensed Life & Health Insurance Agent-Broker. California State License # 0B58920
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Health Insurance Plans For California Individuals & Families
Health insurance plans are changing constantly at this time. As so many changes are occuring, it is easier to go directly to my broker site at each carrier and get quotes and benefit information there. Please click on the images to the right to run quotes, get rate and benefit information, and even apply online for health & dental coverage.
Or, if you like, you can request a quote using the form below, e-mail or call me and we can discuss options as well.
Below the quote request form is a short summary of plans available from my featured health insurance carriers. For complete coverage details, please refer to the health insurance carrier's evidence of coverage.
Or, if you like, you can request a quote using the form below, e-mail or call me and we can discuss options as well.
Below the quote request form is a short summary of plans available from my featured health insurance carriers. For complete coverage details, please refer to the health insurance carrier's evidence of coverage.
| Plan Name | Deductible | Maternity | Inpatient & Outpatient | RX |
| Blue Cross HMO Saver | $1500 | Yes | Yes | Yes |
| Blue Cross Individual HMO | $0 | Yes | Yes | Yes |
| Blue Cross SelectHMO | $0 | Yes | Yes | Yes |
| Blue Cross Basic PPO 2500 | $2500 | No | Yes | No |
| Blue Cross Basic PPO 1000 | $1000 | No | Yes | No |
| Blue Cross Saver PPO | $5000 ($500 Inpatient) | No | Yes | Yes |
| Blue Cross 3500 Deductible PPO | $3500 | No | Yes | Yes |
| Blue Cross 3500 Deductible PPO (HSA) | $3500 | No | Yes | Yes |
| Blue Cross RightPlan PPO 40 | $0 | No | Yes | Choice |
| Blue Cross PPO Share 5000 | $5000 | Yes | Yes | Yes |
| Blue Cross PPO Share 2500 | $2500 | Yes | Yes | Yes |
| Blue Cross PPO Share 1500 | $1500 | Yes | Yes | Yes |
| Blue Cross PPO Share 1000 | $1000 | Yes | Yes | Yes |
| Blue Cross PPO Share 500 | $500 | Yes | Yes | Yes |
| Blue Cross Core 5000 PPO | $5000 | No | Yes | Generic Only |
| Tonik - Calculated Risk Taker (T773t) | $1500 | No | Yes | Generic Only |
| Tonik - Part-time Daredevil (T774t) | $3000 | No | Yes | Generic Only |
| Tonik - Thrillseeker (T775t) | $5000 | No | Yes | Generic Only |
| Lumenos HSA 1500 | $1500 | Yes | Yes | Yes |
| Lumenos HSA 2500 | $2500 | Yes | Yes | Yes |
| Lumenos HSA 3000 | $3000 | Yes | Yes | yes |
| Lumenos HSA 5000 | $5000 | Yes | Yes | Yes |
| Lumenos HIA 1500 (Can earn rewards $$) |
$1500 | Yes | Yes | Yes |
| Lumenos HIA 2500 (Can earn rewards $$) |
$2500 | Yes | Yes | Yes |
| Lumenos HIA 3000 (Can earn rewards $$) |
$3000 | Yes | Yes | Yes |
| Lumenos HIA 5000 (Can earn rewards $$) |
$5000 | Yes | Yes | Yes |
| Lumenos HIA Plus 2500 (account funded plus ability to earn rewards $$) |
$2500 | Yes | Yes | Yes |
| Lumenos HIA Plus 3000 (account funded plus ability to earn rewards $$) |
$3000 | Yes | Yes | Yes |
| Lumenos HIA Plus 5000 (account funded plus ability to earn rewards $$) |
$5000 | Yes | Yes | Yes |
| Plan Name | Deductible | Maternity | Inpatient & Outpatient | Rx |
| Blue Shield Access+ Value HMO | $2000 | Yes | Yes | Yes |
| Blue Shield Access+ HMO | $2000 | Yes | Yes | Yes |
| Blue Shield Active Start 25 PPO | $0 | No | Yes | Yes |
| Blue Shield Active Start 35 PPO | $0 | No | Yes | Yes |
| Shield Spectrum Savings Plan PPO 4000 (HSA) | $4000 | No | Yes | Yes - at contract discount rates |
| Shield Spectrum Savings Plan PPO 2400 (HSA) | $2400 | Yes | Yes | Yes - at contract discount rates |
| Shield Spectrum PPO 5000 | $5000 | Yes | Yes | Yes |
| Shield Spectrum PPO 2000 | $2000 | Yes | Yes | Yes |
| Shield Spectrum PPO 1500 | $1500 | Yes | Yes | Yes |
| Shield Spectrum PPO 750 | $750 | Yes | Yes | Yes |
| Shield Spectrum PPO 500 | $500 | Yes | Yes | Yes |
| Blue Shield Balance PPO Plan 1000 | $1000 | No | Yes | Yes |
| Blue Shield Balance PPO Plan 1700 | $1700 | No | Yes | Yes |
| Blue Shield Balance PPO Plan 2500 | $2500 | No | Yes | Yes |
| Blue Shield Essential PPO 1750 | $1750 | No | Yes | Generic Only |
| Blue Shield Essential PPO 3000 | $3000 | No | Yes | Generic Only |
| Blue Shield Essential PPO 4500 | $4500 | No | Yes | Generic Only |
| Plan Name | Deductible | Maternity | Inpatient & Outpatient | Rx |
| Health Net HMO 15 | $1000 | Yes | Yes | Yes |
| Health Net HMO 40 | $1500 | Yes | Yes | Yes |
| Health Net Value Choice 1500 PPO | $1500 | No | Yes | Generics Only |
| Health Net Simple Choice HSA |
$4000 | No | Yes | Yes |
| Health Net Smart Choice HSA | $2500 | No | Yes | Yes |
| Health Net Simple Choice PPO (choice of 5 plans) |
15 - $1500 25 - $2500 35 - $3500 40 - $4000 50 - $5000 |
15 - No 25 - No 35 - No 40 - Yes 50 - No |
Yes All Plans | Yes All Plans |
| Health Net Simple Value 50 PPO | $0 | No | Yes | Choice |
| Health Net Simple Value 40 PPO | $0 | No | Yes | Choice |
| Health Net Simple Value 30 PPO | $0 | No | Yes | Choice |
| Health Net First Choice PPO (Self-Directed $500) | $3000 (has $500 self-directed credit) | No | Yes | Generics Only |
| Health Net NetSaver PPO (available online only) | $1500 | No | Yes | No |
| Plan Name | Deductible | Maternity | Inpatient & Outpatient | Rx |
| Kaiser $1500 Deductible HMO | $1500 | Yes | Yes | Yes |
| Kaiser $250 Deductible HMO | $250 | Yes | Yes | Yes |
| Kaiser $50 Copay HMO | $0 | Yes | Yes | No |
| Kaiser $25 Copay HMO | $0 | Yes | Yes | Yes |
| Kaiser HSA $30/$2700 | $2700 | Yes | Yes | Yes |
| Kaiser HSA $0/$2700 | $2700 | Yes | Yes | Yes |
| Kaiser HSA $0/$1500 | $1500 | Yes | Yes | Yes |
Request An Individual & Family Health Insurance Quote By E-mail
All Quotes Will Be Provided WIth Carrier's Standard Premium Rate
All Quotes Will Be Provided WIth Carrier's Standard Premium Rate
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