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We provide affordable healthcare options
that meet our clients' "needs & desires".

Being healthy has its rewards

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Medicare Annual Enrollment Period
is October 15 thru December 7 with
plan effective date of January 1.

DBIS: Where clients send their friends & family

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Confused about Medicare?

We offer many different options
to meet your needs and personal budget.

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We represent most major health insurance carriers
in California for Individuals and Families.

We can tailor a plan that fits you and your family.

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We understand all aspects of the health insurance industry, including how to bridge employees from Group Ins to Medicare, which can have a very big cost savings to employers.

Different Kinds of Health Insurance Plans

HMO Health Insurance Plans

HMOs, or Health Maintenance Organizations, offer health care from a network of health care providers. HMOs tend to have respectable premiums and deductibles, but offer limited flexibility for choosing doctors and hospitals. Under an HMO plan, you need a referral from your primary care physician to see a specialist and you may have to pay 100% of cost if you see a doctor out-of-network.

PPO Health Care Plans

PPOs, or Preferred Provider Organizations, also have affordable premiums and deductibles – however, they offer more flexibility to see any doctor you want and don’t require a referral from your primary care physician to see a specialist (as is required from an HMO). Under a PPO, out-of-network costs are covered, but at a lower rate than in-network costs.

High Deductible Health Care Plans

High Deductible Health Plans, tend to have lower premiums than both HMOs and PPOs, but much higher deductibles. Deductibles are the out-of-pocket expenses you have to pay before insurance starts to cover you. You can use an HSA to lessen the financial burden of covering the high deductibles. These plans generally have similar flexibility to PPO plans.

Health Savings Account

HSAs, or Health Savings Accounts, are growing in popularity for a variety of reasons. Though they may not be for everyone, if you can afford to put up the money up front, you can benefit from tax savings, and people typically save a decent chunk of money when all is said and done because they don't have to pay the expensive premiums.

We provide affordable healthcare options that meet our clients' "needs & desires".

Being healthy has its rewards.

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Contact Us

Del Bucchia Insurance Services
Larry M. Del Bucchia
Fresno - Coarsegold, CA
Lic. # 0D77714 (California)