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.
HOT TOPICS!
Current Hot Topics And Significant Events Related To Your Health Insurance
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, 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.
