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Health Insurance for Individuals, Families & Businesses
Health insurance can be complicated. Whether you're shopping for coverage on your own, looking for insurance for your family, or trying to provide benefits for your employees, there are a lot of choices to consider.
At Campanelli Insurance Services, I help individuals, families, and small businesses understand their options and find coverage that fits their needs and budget.
As an independent, licensed insurance agent, I work with multiple insurance companies and can help you compare your options rather than being limited to one carrier.
Individual & Family Health Insurance
If you don't have health insurance through an employer, you may be able to purchase an individual or family health plan.
Individual and family plans can provide coverage for:
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Doctor visits
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Hospital care
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Emergency services
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Prescription medications
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Preventive care
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Specialist visits
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Mental health services
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Laboratory services
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And other essential health benefits
The right plan isn't necessarily the one with the lowest monthly premium.
It's important to look at the overall cost of the plan, including the premium, deductible, copays, coinsurance, and maximum out-of-pocket costs.
Just as importantly, you'll want to make sure the plan works with the doctors, hospitals, and prescriptions that matter to you.
Covered California
Covered California is California's health insurance marketplace and is where individuals and families can shop for ACA-compliant health insurance and determine whether they qualify for financial assistance.
Depending on your household income and circumstances, you may qualify for:
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Federal premium assistance
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California state financial assistance
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Lower out-of-pocket costs on certain plans
Your eligibility for financial assistance can change when your income, household size, or othercircumstances change.
That's why it's important to provide accurate information when applying and to review your coverage whenyour circumstances change.
Choosing a Health Plan
When comparing health insurance, I recommend looking beyond the monthly premium.
Some of the most important questions to ask are:
Are your doctors in the network?
If you have doctors you trust, verify that they participate in the specific plan you're considering.
What will you pay when you use your insurance?
Look at deductibles, copays, coinsurance, and the annual out-of-pocket maximum.
Are your hospitals covered?
Hospital networks can vary significantly between plans—even plans offered by the same insurance company.
Does the plan fit your lifestyle?
A plan that works well for someone who rarely visits the doctor may not be the right choice for someone who sees specialists regularly.
Are your prescriptions covered?
Different plans can have different formularies, tiers, copays, and pharmacy networks.
The goal...
...isn't simply to find the cheapest health insurance. It's to find coverage that makes sense for you.
Employer Group Health Benefits
If you own or manage a small business, offering health insurance can be an important way to attract and retain employees.
I help small businesses evaluate group health insurance options and build benefit packages that make sense for both the employer and employees.
Depending on your business and the plans available, employee benefits can include:
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Medical insurance
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Dental insurance
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Vision insurance
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Life insurance
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Supplemental benefits
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Other employee benefit options
Benefits don't have to be complicated.
For a small business, the challenge is often balancing:
Employee needs + employer budget + plan quality + administrative simplicity
I can help you compare those factors and explain the options in straightforward language.
Whether you're establishing benefits for the first time or reviewing an existing group plan, I can help you evaluate whether your current coverage is still competitive.
Dental Insurance
Medical insurance doesn't cover everything—and dental care is usually separate.
Dental insurance can help with the cost of:
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Preventive cleanings and exams
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X-rays
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Fillings
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Crowns
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Root canals
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Extractions
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Other covered dental services
Dental plans can differ in their premiums, deductibles, annual maximums, waiting periods, networks, and coverage levels.
If you already have a dentist you want to continue seeing, checking the network is an important part of comparing plans.
I can help you compare dental options based on the coverage you actually need.
Vision Insurance
Vision coverage can help with routine eye care and the cost of glasses or contact lenses.
Depending on the plan, benefits may include:
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Routine eye exams
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Prescription glasses
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Lenses
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Frames
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Contact lenses
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Discounts on additional vision services
Vision plans are generally designed to complement your medical insurance rather than replace it.
One Place to Review Your Coverage
Whether you're an individual, a family, or a small business owner, insurance decisions are easier when you can talk with someone who understands how the different pieces fit together.
I can help you review:
Individual & Family Health
Find coverage that fits your household and budget.
Covered California
Understand your plan choices and whether you may qualify for financial assistance.
Employer Group Benefits
Explore health, dental, vision, life, and other employee benefit options.
Dental & Vision
Add coverage for important services that may not be included with your medical plan.
Independent Guidance. No Additional Cost to You.
As an independent insurance agent, I work with multiple insurance companies and help you compare your available options.
There is no additional cost to you for my assistance with your health insurance enrollment.
My job is to make the process easier to understand—not to make it more complicated.
Have questions about your health insurance?
Let's talk about your situation, your priorities, and the options available to you.
Schedule a no-cost, no-obligation consultation today.
Campanelli Insurance Services is an independent insurance agency. Insurance products, plans, premiums, networks, benefits, and availability vary by carrier and service area. Covered California plans and financial assistance are subject to eligibility requirements and applicable rules.