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. At ESI, we work with multiple carriers, including Anthem Blue Cross of California, Blue Shield of California, and GeoBlue, and can help you find the doctor that is right for you. Our website features a handy physician and hospital finder, so you can see if your current doctor is available from a healthcare provider we currently work with. If not, you can find a new doctor that does work with one of our plans. Either way, we’re here to aid you every step along the way. The search for great health insurance in San Francisco can be a tedious process. One of our qualified agents is ready to take your call if you need some additional help.Add Comment

Health Care Reform for 2013 & 2014

questionmarks 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: Easier to Shop: The marketplace will make it easier than ever to purchase an insurance plan, with options to do so online, in-person, or over the phone. Greater Coverage: Most Californians are under-insured or uninsured completely. With The Affordable Care Act, programs like Medicare, Medi-Cal, and more are boosted for individuals who take advantage of these programs. For younger Americans, individuals under the age of 26 can remain covered under their parents’ health insurance plan until they reach the age of 26. Removes Limitations on Maximum Amount of Health Benefits: In the past, insurance companies across the America were able to place superficial monetary ceilings on the amount of core health benefits an individual could receive throughout his or her life. How Much Will Health Insurance Cost? As an individual in California, the change in costs for health insurance depends on a variety of factors including area code, age, income, and more. However, as mentioned above the ACA was designed to make the insurance purchasing process easier. You can find out how much health insurance plans will cost you at the Covered California Shop and Compare Tool. To learn more about the changes in health insurance, San Francisco residents can talk to the insurance experts at our SF offices.Add Comment

Personal Life Insurance – Do You Have Enough?

einsblogpic2 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.Add Comment

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

einsblogpic     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. What is Workers Compensation Insurance? Workers Compensation Insurance covers any potential injuries, illnesses or deaths that may occur to employees both part-time and full-time. Regardless of who is at fault, employers are expected to pay for the costs of injuries endured at work; Workers Compensation Insurance helps employers cover the cost of these fees which can include lost wages, medical expenses, job-related rehab, and more. On average, there are roughly 3 million cases of non-fatal work-related injuries filed each year, with sprains and aggravation of a pre-existing injuries being the two most common claims. Although claims of death are significantly lower—less than 5,000 per year on average—the cost of a death can be astronomical, especially without any insurance coverage. Managing Workers Compensation Costs Your first priority as an employer should be to remove any and all potential occupational hazards—prevention is much better than getting a cure. The best way to avoid high Workers Compensation costs is to mitigate any potential injuries from ever occurring. Identifying and addressing all of the potential work hazards can be time consuming, and for most businesses we recommend that they consider hiring a safety manager to remove occupational hazards and educate employees on the best safety practices on the job. By addressing work hazards and having a safety manager in place prior to hiring employees, you greatly reduce your chance of employee claims of work injury, whether feigned or real. For more information about business insurance in CA, contact our insurance experts at (877) 786 -8320.Add Comment

Print Mercury Auto ID Cards on

image001 Current customers with Mercury Auto Insurance can now print their ID cards directly from Fast and Easy way to get proof of auto insurance when you loose your ID cards. Add Comment

General Contractors General Liability Insurance

General Contractors are getting great coverage at the lowest price with Preferred Contractors Association Insurance. With programs from "B" rated to "A" Rated carriers, we can get any type of General Contractor covered. We have been very successful with carpenters, GC's, plumbers, electricians, and painters. Fill out the Quote Contact Form and we will call you back to give you a quick quote over the phone. With a Blanket Additional Insured endorsement, we can add as many clients as you need with certificates issued within an hour.
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Young adults are key to success of Obama’s health care reform

Jason McCool, an adjunct music professor at Montgomery College in Maryland, doesn’t receive health-care insurance through his workplace, making him an important player in the implementation of President Obama's health-care law. “I actually haven’t been to a doctor in 10 years,” said McCool, who’s in his 30s. “I try to keep in good shape and all, but you never know if there’s going to be a car accident or something.” McCool isn’t alone. According to estimates, nearly one-third of the nation’s uninsured are young and healthy Americans. And success – or failure – of President Barack Obama’s health-care law largely depends on their participation.“There’s pretty broad agreement that new health care exchanges can’t work if we don’t get broad participation in the system,” says Robert Zirklbach, a spokesperson for America’s Health Insurance Plans, better known as AHIP. Enrollment for the exchanges begins on Oct. 1. “If the younger people simply decide not to purchase health insurance until they need it, that’s going to actually increase costs for everyone, both those who are young as well as those who are old,” Zirkelbach adds. “Getting young people in the system is good for everybody, and it’s good for the long-term sustainability of the new health insurance exchanges.” Under the new law, those who choose not to purchase health care insurance must pay a $95 opt-out fee or 1 percent of their respective income – whichever amount is larger.  But what’s still unclear is whether or not this is a harsh enough penalty to encourage participation. “I don’t think that people are going to be terribly happy about paying something for nothing, so I think that the result will be that they’ll probably end up purchasing,” says McCool. But he acknowledges that buying insurance will cost him money – maybe as much as $200 to $300 per month. “Frankly, I don’t make enough money to justify that,” he said. (However, under the health-care law, someone in McCool’s income range would qualify for subsidies that could cover as much as 29 percent of his overall premium, according to the Kaiser Health Care calculator.) Who are the uninsured? A government marketing analysis by the Centers for Medicare and Medicaid Services, better known as CMS, broke the uninsured into six groups that it believes are critical in making implementation of the new law successful: 1.The “Young and Healthy,” who have the lowest tendency to enroll, take their good health for granted and are likely to wait on purchasing health care until they feel they need it. 2.The “Sick, Active and Worried,” who are cost-conscious and likely to seek information about health care, but tend to have difficulty understanding the system. 3.The “Passive and Unengaged,” who are likely not to understand the health care system and fear making “wrong decisions.” 4.The “Informed, Healthy and Educated,” who feel that health care information is important, are in good health, and keep themselves informed. 5.The “Mature and Secure,: who are generally older in age, feel that health care information is important and use preventative measures. 6.The “Vulnerable and Unengaged,” who are not in ideal health, but feel that health care information is not important. According to the analysis, the “Young and Healthy”, “Sick, Active and Worried” and “Passive and Unengaged” make up the majority of the uninsured. While the “Young and Healthy” group is the least likely to purchase health care, a Kaiser health tracking poll finds that 77 percent of people ages 18-25 and 71 percent of people ages 26-30 say they feel that health care is “very important” to have. The deterring factor – cost. Roughly two-thirds of those ages 30 and younger say that they worry about being able to pay for medical bills due to a “serious illness or accident” and more than 40 percent say that they worry about being able to pay bills for “routine care”. In order to encourage participation in October, organizations like Young Invincibles – dedicated to encouraging health-care enrollment among the young and healthy – will be taking an active role in informing the public about the new system through outreach programs. Jen Mishory, the group’s deputy director, tells NBC News: “We’re going to be doing events across the country. In some states, we’re going to be doing enrollment events. In some states, we’re going to be doing we’re actually partnering with community colleges and local groups that actually work with young people, telling them what’s going on and then helping them to put on outreach events to educate this generation.” And it will be targeting people like McCool. “Nobody doesn’t want health-care coverage,” McCool says.  “I think a lot of us are very, very excited about the changes that [the health-care law] is going to bring about, because it’s going to open the door that previously had been locked for many of us.” As it turns out, McCool will be getting health insurance this fall – as he returns to school for a Ph.D. in musicology at Boston University, where he will be receiving a full scholarship through a fellowship program. But after school, he says he plans to enroll in a health exchange if his next job doesn’t offer health insurance. “Even if I wasn’t going back to school this fall, I’d probably be enrolling.” But for health care to work, those probablys must become definitelys. * Obamacare's success hinges on 'young and healthy' purchasing insuranceBy Alexa Dragoumis, NBC News
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Blue Shield of California Individuals/families rebate

Certain California small group health insurance subscribers will receive dues rebates by August 1, 2013. The 3.4% of dues revenue equals $24.5 million that will be returned to 29,232 Small Business policyholders who were enrolled in the Blue Shield plans that did not meet the MLR threshold. The average rebate amount per Small Business policyholder is about $827.
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Blue Shield of California small groups rebate

Certain California small group health insurance subscribers will receive dues rebates by August 1, 2013. The 3.4% of dues revenue equals $24.5 million that will be returned to 29,232 Small Business policyholders who were enrolled in the Blue Shield plans that did not meet the MLR threshold. The average rebate amount per Small Business policyholder is about $827.
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Workers Compensation…why is it so expensive??

Workers Compensation Insurance premium directly correlates to the cost of Health Care. In the United States, this has been a plaguing issue without resolve. The cost of out-patient services like Radiology, CAT Scan, MRI, etc. are among the most costly procedures in the world. Hospitalization costs are getting even more expensive with 24 hour stays costing over $10,000.A major factor in Workers Compensation premiums for you as the employer - Claim history, occupation description and payroll. Blue Collar jobs are the most expensive WC rates due to the riskier nature of their job. White collar occupations are the lowest. To give you an example, Carpenters that are being paid less than $32 /hour are going to be close to $30 for every $100 in payroll. That's a hefty additional expense to an employer. Office jobs in the clerical occupation are less than $1 for every $100 of payroll. * in General Contracting, the higher you pay your employees the lower the WC insurance premium. Carpenters making over $32 an hour are going to cost you $15 per $100 in payroll. When you get your next Workers Compensation renewal, remember that the main reason for the rate increase is the growing cost of health care. Give us a call or fill out the Workers Compensation quote request form so that we can make sure that you are paying the least amount possible for this growing business expense.
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Travel Health Insurance with GEOBlue

Need health insurance while traveling? Most people have the misconception that your US health plan will cover everything when you travel. That is not the case. Only emergencies will be covered if deemed an emergency by the claims department when you get back from your travels. You are exposed to out of pocket costs for office visits, medication, dental emergencies, surgery, hospitalization and evacuation costs.Get more info on this product at our Travel Health Insurance page.
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It’s Allied Gone Mobile, And It’s Here!

Instant Access to Mobile Payments, Digital ID Card Information & More! Access to Allied - anytime, anyplace. That's what the Allied Mobile App experience delivers. The Allied Mobile App is available for download and can be used to:
  • Make a payment on personal or commercial policies
  • View and store digital ID card information without need for a connection*
  • View policy information including vehicle information, payment status, payment dates and account balances
  • Start the claims process with a single touch call to Allied claims
  • View agent information, add to contacts, get directions and a map
  • Plus, AIDCOSM agents can brand their customers' mobile app experience through the Allied Agent Center
Easy & Free To Download Allied's Mobile App is available free of charge on the Apple App StoreSM (for iPhone®) and Google Play for Android devices.
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Certificates of Insurance processing streamlined


We have improved turn around time for issuing Certificates of Insurance for our customers with the use of the service request form on our newly improved website.

Check out our Service page to request a certificate of insurance quickly.

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Happy 4th of July!


From all of us at Express Service Insurance, have a safe Independence Day.

We will be closed on the 4th, but will be re-opening on the 5th at 9am.

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Our new site is now up

After months of working on revamping our site, we are happy to say we are up and running. Please let us know if you have any bugs or issues with the site. We appreciate any feedback.
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