HEALTH INSURANCE
FLEXIBILITY---FREEDOM---SUPPORT
It’s all inside

We make available for you a wide range of QUALITY Health Insurance Companies providing the entire spectrum of health care plan designs serving California. Then we leave the decision to you without compromising on the support, service and options we place before you.

At JayFernando Financial, we strongly believe that you, the client know what is best for you.

Blue Cross of California - You will be impressed with its vast network of HMO & PPO physicians:  Along with BC Life & Health Insurance Company, has been consistently ranked by AM Best as being one of the top among health care companies based on financial strength and claims paying ability. It is California’s leading Health care company. You will be impressed with its vast network of HMO and PPO Physicians. Call 408-244-1316

Blue Shield of California: Has earned National Committee for Quality Assurance (NCQA) Commendable Accreditation (1999) for its Commercial HMO/POS, and Accredited status for its Medicare HMO products. NCQA has rigorous requirements which Blue Shield has met or exceeded in order to be granted this accreditation. Call 408-244-1316

We would like you to know that Blue Cross and Blue Shield are separate entities in California and are engaged in “healthy” competition with one another.

We at Jay Fernando Financial would be happy to provide you competitive quotes to see which would win your business. Call 408-244-1316.

Health Net: Founded in 1979, has been awarded “Excellent” status from the NCQA. It is among the largest and most respected health insurance companies in California. We have observed that Health Net has been quite aggressive in its plan designs and premiums in order to keep in step with its better-known competitors Watch out for this one!! Call 408-244-1316.

Aetna - Its reputation for excellence & integrity is one of its most valuable assets: Incorporates efficient plan installation and administrative processes. For the small business employee there is the important convenience of “First Claim and First Call Resolution”—for accurate resolution and payment of claims. A reminder is mailed out for important checkups, immunizations and preventive care screenings. Call 408-244-1316.

Kaiser Permanente: Reputed to be THE model HMO in the United States, this is complete medical care in one facility without having to travel distances in most cases. Even the pharmacy is in-house providing you, the member with a discounted rate. There are no deductibles and virtually no paperwork. You get broad-based coverage from primary care to specialty service including Hospitalization coverage. All at a reasonable premium. Call 408-244-1316.
        Still can't decide? Employees adamant that only ‘their’ carrier is the best? Ok then---Let the employee choose:

• One source---a Variety of plans. Rapid enrollment

• Easy administration

• Consolidated client billing

• Dedicated customer service

California Choice: The list of carriers includes:
 

Pac Advantage: The list of carriers includes:
 

Is this suitable for you? Call us for a no-obligation-no pressure and free consultation: 408-244-1316

Fill & Quote - Take a minute to download the form and answer the simple questionnaire and then either email it or fax it back to us. We will get in touch with a special quote.

“We…provide you competitive quotes to see which would win your Business. Then, we leave the decision to you without compromising on the support and service we place before you.”
-Jayal Fernando