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Shopping for Health Insurance in San Francisco

Healthcare has been a hot button political topic the last few years. What no one can argue is how vital it is to have quality health care available to you. We at Express Service Insurance know this first-hand, providing health insurance in San Francisco to anyone who needs it.

We offer numerous plans and packages for individuals or families, and can easily customize one to fit your specific needs and budget. Since our company works with many carriers across California, we’re able to get you a great price on your health insurance. So whether you’re in between jobs, self-employed, or simply want to find a more affordable plan, Express Service Insurance can help. Our plans come with an affordable monthly premium and a wide selection of benefits for people of all ages and medical conditions. Continue reading

Health Care Reform for 2013 & 2014

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Major changes in American health care are well underway, and yet thousands of people are still uninformed about the basics of the new changes, and what that means for individuals, families, and businesses. Today we will briefly cover the basic framework of The Patient Protection and Affordable Care Act.

What is The Patient Protection and Affordable Care Act (ACA)? 

The ACA will create a state exchange and marketplace in which both individuals and companies can search for insurance plans. This marketplace is designed to have several benefits: Continue reading

Personal Life Insurance – Do You Have Enough?

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As a major business hub, many of us in The Bay are lucky to have our companies offer plans for life insurance. San Francisco employees can be covered with life insurance to little to no cost, which is a luxury not afforded by most.

Nonetheless, it is important to be smart about your personal life insurance. There are definite downsides and benefits to a blanket life insurance policy, and it is important to know whether a company plan is benefiting you or not.

The Benefits

At the top of the list of benefits is that more often than not, the cost of joining your company’s life insurance plan is significantly lower than what you would pay for the same plan independently. As a company, they have certain circumstances and leverages that you and any individual would not have.

The next major benefit that a company life insurance plan has is that you are not required to show any proof of insurability. Proof of insurability can be any number of medical evaluations and documents, including but not limited to a detailed medical history, recorded doctor visits, and up-to-date tests. Individuals who would not be eligible for life insurance based on their medical eligibility would circumvent this issue with a company insurance plan.

The Disadvantages

By nature, a company life insurance plan will not be a perfect fit for everyone. A diverse work force of differing ages, marital statuses, and health will all be receiving the exact same insurance coverage. Herein lies the problem—depending on your individual situation, your company’s life insurance may not be sufficient.

You can also lose your coverage should you ever get laid off, or choose to work for a different company. Most company life insurance policies are not transferable, and will not cover you in the event that your relations with the company are severed.

If you want to take a second look at your personal life insurance in San Francisco, let our insurance specialists help. Call us today and we will look at your insurance standings and deduce whether you need additional coverage based on any existing debts, predicted future expenses, and more.

Workers Compensation Insurance in California – How it Works and How to Keep Costs Low

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If you are a Californian business owner, you should be aware that it is mandatory by state law to have business insurance in California, specifically Workers Compensation Insurance. Whether you have 1 employee or 400 employees, you must have Workers Compensation Insurance or else you will face considerable fines and penalties.
Here we will briefly cover what is Workers Compensation Insurance, what it does, who it is for, and how to keep its costs as low as possible. Continue reading