We decided to end our relationship with Ben Losin of Schulte Insurance after repeatedly struggling…read moreto reach him for assistance with our medical insurance. While he was initially usually attentive, over time it often took several days for calls and emails to be returned, which made navigating our coverage increasingly stressful. I had shared my health issues with Ben so he was aware of my condition, which made timely and clear communication especially important. Despite this, he consistently preferred phone conversations over providing written responses to important insurance questions. We explained that having information in writing was essential for us to reference later, but this request was not accommodated. This left us feeling uncertain and raised concerns about why written communication was avoided. The challenges became even more apparent as my husband's coverage grew more complex. Instead of guiding us directly, Ben encouraged us to contact the insurance company ourselves. Without a full understanding of the intricacies of the plans, this process became frustrating, time-consuming, and stressful, especially since we had engaged an insurance representative specifically to help navigate these issues. We hope our experience can serve as a caution to others so that no one else faces similar difficulties.

Friendly, knowledgeable, helpful - totally great and easy to work with, I love family businesses!…read moreThank you so much!

We've relied on Lauren's and Raul's expertise for our small business for several years and wish to…read moreexpress our gratitude. Customer service is top notch and proactive. Thank you HSA!

HSA or Health Savings Associates is a company I heard about over the radio. I sent them info from…read more their website and they called me. After talking to Maria I was impressed. I can tell pretty much right off if a company is out for you or just out for the money. Well HSA is out for you. I told Maria my information on my Health Insurance and she gave me honest information and told me how to go about it. She did not try to sell me anything, but guided me in the right direction. HSA offers Health Savings Plans where you can put your health payments otherwise going into a health insurance plan into a saving plan. I am no exactly sure how all of it works, but I am sure they can guide you in the right direction and save you money in the long run. They also represent most all major health insurance plans. If you haven't heard about this company you should check them out.

Steve is fantastic. He helped guide me through all the bureaucracy and details one needs to…read moreunderstand to navigate the Medicare and supplemental insurance world. Super nice guy, and he makes everything easy to understand. He followed up multiple times with my insurance company when they were playing games with my supplemental insurance. Tremendous customer service. I've become a customer for life.

Steve is very knowledgeable, and was so helpful with navigating the very confusing Medicare…read moreprocess. He is very responsive and I definitely recommend him!

Literally the best group of people to work with ever!!! They are so helpful and so kind and so…read morewilling to help you and your business

The only time you can get a hold of them is if you miss a payment then they call you 5 times per…read moreday. But when I try to get info on a claim and why they won't pay which they never do they are nowhere to be found and never and I do mean never get back to you for it . Go to Christian share program more affordable and you can actually talk to someone. This place is the worst. I had this "insurance" for almost 5 years hoping it would change it never did so I had to.

Groups that work with the family's of ill or dependent seniors have a big responsibility. Their…read morecaretakers/helpers are in an emotionally fragile and stressed out place, worrying about how to help their loved one and get them the best services and support available. Medi-Cal Advisor Group, for all of these reasons and more, must be avoided. A few months ago this organization kept all of our money even after being presented with proof from the County of San Diego Health & Welfare Agency (Dept of Social Services) that they were not only lying to us, but that they never even contacted them on our behalf as promised. I've waited this long to write the review for a few reasons. One was to calm down enough to write a measured review, and the second, was because they told us (in writing) that an appeal of the County's decision was futile and they would not do it. This, even though it was discussed as an option when they were 'selling' us on their services. At the time of writing this I can report that we, independently filed an appeal, had the meeting with the judge and we have succeeded in our efforts. The appeal was the *only* way to get the County to fix the issues being faced. Medi-Cal Advisor Group lied, they were wrong and they were lazy. When Medi-Cal Advisor Group was originally contacted by us, from a referral, we let them know that we had already successfully navigated the Medi-Cal system and gotten the person we were helping approved for benefits. What we needed help with was getting her approved for the Assisted Living Waiver Program (ALWP). This was done verbally and in writing via email. They claim a 100% success rate in doing this (again, it was written in email by Jennifer Marcks, our contact person, so they cannot refute this. They took our money and sent email updates about their contact (phone and email) with the County office listed above. We added them as an Authorized Representative for this purpose. In the late summer/early fall of 2024 they stopped responding to emails and were not sending updates. When we finally sent them an email (and vm) saying they needed to respond or we'd file a complaint is when they responded. They claimed that they got her 'share of cost' reduced and that this was the best they could do. The 'share of cost' needs to be $0 in order to apply for the ALWP and, again, they claimed at the beginning that they were 100% successful at this. When we told them that this was not a fulfillment of the agreement they sent their very vague commitment outline which, obviously, is their 'out' when they screw up/don't do any work/fail at their jobs. When I reminded them that our agreement, again in writing, was to get the 'share of cost' with the County to $0, they didn't respond. When they were shown proof from the County that they did not do all that they had claimed, that the County - on their own, reevaluated the finances and lowered the share of cost and that the County had them on record exactly once when the County told them that they (and not Medi-Cal Advisor Group) had lowered the share of cost, they disappeared. This company fails at their job, at their promise, with the elderly, with the help they should be offering caretakers of the elderly who believe in them and hire them. Most importantly, for them and all companies that exist to scam the vulnerable, they fail at being human beings. Stay away from this organization at all costs. The County system may be daunting, but we found many polite and caring agents that took time to explain things and help us. Exactly what this group promised, and failed, to do. I'm sure there are reputable and caring agencies out there that can help, but this isn't one of them. Run.

Navigating the health insurance market can be a very intimidating process for someone who isn't…read morefamiliar with the subject and terminology. Luckily I found Tim at SPF insurance to help me navigate the insurance market and find the right plan for me and my wife. Tim's expertise and clear dialect give him an unparalleled ability to easily explain the subtle nuances and variations within each insurance plan's terminology. Thank you Tim for making the process of finding health insurance so quick and painless.

We had a great experience working with Marc Sandknop from SPF Insurance Services. He was patient,…read moreanswered all our questions and provided options for our medical and dental insurance needs. I'm recently retired, but not at the age for Medicare - we feel really good about the choices we made through SPF for our family.

Andrew has gone above and beyond helping us with our homeowner's insurance needs in a challenging…read moremarket. We were very satisfied with the coverage and rate we were able to secure with him. He's had excellent communication, responsiveness, and professionalism anytime we've reached out, and continues to give us confidence that we're being taken care of by someone who really cares. A rare and lucky find indeed!

The folks at Alitt Agency are true professionals and work very hard to answer my questions…read morethoroughly. I trust them and appreciate all their hard work over the years. Thank you!

I found Marc because I needed some help with Covered CA enrollment, and I'm really glad I did…read more Marc was super nice, very helpful, and patiently walked me through things (actually did much of the work for me). Dealing with the complexities of our healthcare system is definitely challenging, but Marc made it easy for me. I would definitely recommend Marc, and although dealing with insurance isn't my favorite thing to do... I will enjoy working with Marc again. Thanks Marc!

Sorry for the delay, Mr. Thompson but I do not get on the computer much, and don't do much online…read morestuff anymore....it took me some time to research this and possibly more time than it is worth, so here we go......my comment was based on the State of CA website that has Marc's license effective date as 06/06/2018. It appears that there were Yelp reviews prior to his license being active, but they have been removed. It is my belief that Marc was a teacher at la costa canyons high school before he got is license, as the Voice of San Diego attests to. As with anything in life, I recommend that buyers do their research and take responsibility for due diligence. That is what I always told my Marines, and live by that today. https://interactive.web.insurance.ca.gov/webuser/LIC_STS_UTL.GET_LIC_DETAILS?P_IL_LIC_NBR=0K88969