David Fluker Insurance Services
Gilroy, CA - Serving California Residents Since 1995
CA License # 0B58920
Need Help? Have A Question?
1-800-509-0659
1-800-509-0659
Health Insurance Medicare Supplements Medicare Advantage Small Business Plans Senior Dental & Vision Plans Life Insurance
Authorized Independent Agent
The Instant Quote program on the right provides comparative quotes from multiple insurers.
If you are only interested in health plans by a specific carrier, click on the specific insurance company logo above to obtain quotes from just that insurance carrier.
If you are only interested in health plans by a specific carrier, click on the specific insurance company logo above to obtain quotes from just that insurance carrier.
All Instant Quote information is private and is only seen by me. I will only contact you if you specifically request it.
Instant Quotes available from multiple insurance companies for Individual, Family, Child-only and Medicare Supplements
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Your information will be kept confidential and you will only be contacted by me.
Health Insurance help is only a click away!
Your information will be kept confidential and you will only be contacted by me.
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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2012 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2012 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Anthem Blue Cross is an independent licensee of the Blue Cross Association (BCA). The Blue Cross name and symbol are registered service marks of the BCA.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Current Hot Topics And Significant Events Related To Your Health Insurance
I have moved all new topics to my insurance blog.
Click here to access my blog
I have moved all new topics to my insurance blog.
Click here to access my blog
Blue Cross Has A New Name
Effective April 1, 2008, Blue Cross of California is now Anthem Blue Cross and Blue Cross Life & Health is now Anthem Blue Cross Life & Health. Nothing else has changed.
Blue Cross CA Introduces New Plans for Individuals & Families
Blue Cross of California and Blue Cross Life & Health have introduced two new portfolios of plans for individuals & families. SmartSense features four PPO plans with increased lifetime benefit to $7,000,000 and at lower cost. Also introduced were new Lumenos Non-Maternity plans HSA, HIA and HIA+ versions. For more information, click on my Blue Cross Broker link to the right.
Blue Cross of California instroduces new health plans
Effective April 1, 2007 Blue Cross will introduce a new series of individual & family and small group health plans from Lumenos. The Lumenos plans will be high deductible plans and include some versions featuring reward dollars for healthy activities as well as full coverage for preventative care before the deductible.
UHC & PacifiCare
It appears that United HealthCare (UHC) is intent on entering the Individual & Family health insurance market in California under its own name. While the recent acquisition of PacifiCare by UHC has moved all of the group portfolio business under UHC, it is now becoming evident that UHC may eliminate the PacifiCare line of individual products as well and absorb them into a new portfolio under UHC. Stay tuned for updates.
PacAdvantage Closing Shop
California's pooled PacAdvantage program for small employer groups is to be no more effective 12/31/2006. All existing groups will need to find alternative coverage effective January 1, 2007.
The reason? Blue Shield of California pulled out of the plan for economic reasons and Health Net followed suit. The remaining small HMO plans could not continue in PacAdvantage without the larger carriers and so the whole program collapsed.
State Mini-COBRA Programs
Many states offer mini-COBRA programs for groups under 20 employees. I have added a list on my site of current mini-COBRA states. You can access the page here.
Health Net of California Acquires Universal Care
Health Net has absorbed the Universal Care HMO and Universal Care no longer exists. All former Universal Care HMO subscribers will fall under Health Net of California. Universal Care was a regional HMO in southern California.
California Senior COBRA Extension Ends
The Senior extension under Cal-COBRA was eliminated under AB 254 effective January 1, 2006. This was a special program for certain qualifying seniors that allowed continuation to age 65.
Effective April 1, 2008, Blue Cross of California is now Anthem Blue Cross and Blue Cross Life & Health is now Anthem Blue Cross Life & Health. Nothing else has changed.
Blue Cross CA Introduces New Plans for Individuals & Families
Blue Cross of California and Blue Cross Life & Health have introduced two new portfolios of plans for individuals & families. SmartSense features four PPO plans with increased lifetime benefit to $7,000,000 and at lower cost. Also introduced were new Lumenos Non-Maternity plans HSA, HIA and HIA+ versions. For more information, click on my Blue Cross Broker link to the right.
Blue Cross of California instroduces new health plans
Effective April 1, 2007 Blue Cross will introduce a new series of individual & family and small group health plans from Lumenos. The Lumenos plans will be high deductible plans and include some versions featuring reward dollars for healthy activities as well as full coverage for preventative care before the deductible.
UHC & PacifiCare
It appears that United HealthCare (UHC) is intent on entering the Individual & Family health insurance market in California under its own name. While the recent acquisition of PacifiCare by UHC has moved all of the group portfolio business under UHC, it is now becoming evident that UHC may eliminate the PacifiCare line of individual products as well and absorb them into a new portfolio under UHC. Stay tuned for updates.
PacAdvantage Closing Shop
California's pooled PacAdvantage program for small employer groups is to be no more effective 12/31/2006. All existing groups will need to find alternative coverage effective January 1, 2007.
The reason? Blue Shield of California pulled out of the plan for economic reasons and Health Net followed suit. The remaining small HMO plans could not continue in PacAdvantage without the larger carriers and so the whole program collapsed.
State Mini-COBRA Programs
Many states offer mini-COBRA programs for groups under 20 employees. I have added a list on my site of current mini-COBRA states. You can access the page here.
Health Net of California Acquires Universal Care
Health Net has absorbed the Universal Care HMO and Universal Care no longer exists. All former Universal Care HMO subscribers will fall under Health Net of California. Universal Care was a regional HMO in southern California.
California Senior COBRA Extension Ends
The Senior extension under Cal-COBRA was eliminated under AB 254 effective January 1, 2006. This was a special program for certain qualifying seniors that allowed continuation to age 65.
