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    Finn Insurance Services

    5.0 (2 reviews)
    Closed 9:00 am - 6:00 pm

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    Teresa Karam

    Teresa Karam

    4.9(73 reviews)
    5.5 mi
    10 years in business
    Free consultations

    I'm normally a pretty smart guy, but for some reason, as i approached 69, and had to get off of my…read morewife's medical insurance, i had no clue on how to sign up for Medicare. I just could not figure it out. So as i used YELP all the time, i went to YELP and asked for the top rated Medicare agent in my area. TERESA KARAM name popped up, and i stated to read the reviews, which were all fantastic. So i sent her a email, and got a reply very fast. Teresa told me EXACTLY what to do to get the process started, and of course i messed it up. I had to wait three weeks to get a paper signed, and when i finally got the paper signed that i needed, i called Teresa, and she told me step by step on how to proceed. Two days later, i was accepted by Medicare for part B. The rest was so simple. I had a very nice zoom call with Teresa, she showed me different options, and i picked SCAN ADVANTAGE, so i could keep my doctors and hospital. She went thru each step, each option, each benefit, each scenario. At the end of the zoom call, i was so happy, that i was finished getting Medicare, got a lot of nice benefits that i did not expect, and that TERESA KARAM was my Medicare agent.

    Great experience. Teresa helped me navigate to the right mix of Medicare and supplements without me…read morehaving to invest all of the time to learn every detail (and then to constantly keep up with changes). For me its a no-brainer - just accept the help and use your time to enjoy your retirement

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    Teresa Karam - Contact me directly, I'm here to make Medicare easy!

    Contact me directly, I'm here to make Medicare easy!

    Teresa Karam - Specializing in Medicare health plans.

    Specializing in Medicare health plans.

    Teresa Karam

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    Garnett-Powers and Associates

    Garnett-Powers and Associates

    1.0(2 reviews)
    4.6 mi

    This review is for The University of Southern California Postdoctoral Scholar Benefit Program,…read morewhich is administered by Garnett-Powers and Associates. Quite simply, the "benefits" are a MESS. It's difficult to understand what your benefits are, the process to find a provider is lengthy and time-consuming, and once you find a provider, it's difficult to actually get the care you need. I was initially enrolled in the medical HMO, dental HMO, and vision plan. I discontinued the vision plan because it was nearly worthless. Then switched from the dental HMO to the POS plan. Let me point out a few of the problems: 1) NETWORK FILLED WITH 1- AND 2-STAR DOCTORS: If you look through the list of providers offered by the HMO, most are poorly rated online. Some phone numbers on the list don't even work (one was for a bail bond agency, another for a medical practice in another state, another number was disconnected). I finally settled on a provider that is only in the clinic on Tuesdays, doesn't take appointments, and has an office filled with homeless patients seeking opiates (as he is the only provider in the group who prescribes them). 2) MULTIPLE GROUPS (MIDDLE MEN) ARE INVOLVED: You have Garnett-Powers, who gives you Aetna, who gives you some medical group, who gives you the actual doctor. If you dare seek behavioral health, then it's a different company than Aetna, which they don't tell you. The process is so convoluted, I really pity anyone with mental health needs, as I doubt they will be able to jump through all the hoops. Then there's California Dental. They have a list of providers, most of which are 1-star. Their list is not updated, so when you finally find a provider who has decent reviews, they won't be accepting new patients. 3) EVERYTHING TAKES FOREVER: It took me over 4 months to get a needed ultrasound. I first had to see my PCP, who had to submit a referral request to the medical group, who told me to make an appointment with an imaging center, who told me that I wasn't covered to be seen there, so I had to make several phone calls to find a different imaging center, which I took a morning off of work to go to, where they said they never received a referral, so wasted the morning instead calling the medical group, then went in person to my doctor to get the referral printed, then made another imaging appointment, etc. They're lucky I didn't have cancer, because that would have been a lawsuit. 4) NO ONE KNOWS WHAT'S GOING ON: They, Aetna, Regal Medical Group, and California Dental have mastered the runaround. No one seems to know what's going on, and their records are always incorrect. The associate I have communicated with, Dane Pisano, is really nice, but that unfortunately doesn't make up for how awful this plan is. I work at USC Medical Center - why can't I see doctors here, like normal (non-postdoc) employees?

    They charge around $1600 a semester to students!!! Every semester we have to submit a wavier to my…read moreson's school. so about $3600 for healthcare insurance a year, when I pay around $1500 for healthcare insurance a year with my work benefits for my husband, son and myself. I have found plans for my son's friends 180$ a month.

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    Garnett-Powers and Associates
    Garnett-Powers and Associates
    Garnett-Powers and Associates

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    Finn Insurance Services - healthinsurance - Updated August 2026

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