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We assist individuals and employers in determining which insurance plan is appropriate based on their budget and needs. Furthermore, we help each client determine their most accurate current income that will determine the proper Tax Credits to help pay their insurance premium. We present each client with plan options from a range of coverage and insurers and enroll them into a plan.
Question: Can I insure my 23 year old daughter?
Yes: If your daughter is listed as a dependant on your tax return and does not file her own taxes.
Question: What does the Affordable Care Act require of me?
The Affordable Care Act is also known as Obamacare. People who fill out a Federal Income Tax form MUST maintain health insurance for themselves and their dependents. Those who don’t will pay a fine.
Question: What if I can’t afford health insurance?
Individuals and families whose income falls below the level set by the Federal Government will be insured with Medi-Cal.If you are not sure if you qualify for Medi-Cal, call us and we will let you know.>
"Insurance Agents You Can Rely On."
Optimized Financial and Insurance Services has served the community for over a decade, bringing Southern California a refreshing, common sense approach to the valued products of Health & Life insurance.Optimized Financial and Insurance Services “Client First” attitude and broad knowledge across Health & Life products gives each client a tailored portfolio of the highest quality, including Health and Accident Insurance, Medicare, Final Expense and Life Insurance, as well as Long Term Care.