Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

5 Best Fairfield Life Insurance Companies

Barbara Lightfoot-Nielsen

2581 Nut Tree Road, Vacaville, CA 95687

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Life Insurance
Health Insurance

Barbara Lightfoot-Nielsen is an insurance agent who works with State Farm and serves clients in the Fairfield area. She offers comprehensive insurance policies, which include life, properties, homes, and health. She also provides risk protection plans for mutual funds, banking, and annuities. She and her members are committed to delivering personalized and customized solutions that suit every client's needs and goals. Lightfoot-Nielsen has been working with State Farm since 1987. She is heavily involved with community-based organizations such as the Vacaville Swim Club.

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Cory Ellerbee

2449 Martin Road, Fairfield, CA 94534

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Life Insurance

Cory Ellerbee is a life insurance agent who serves clients from Fairfield and its surrounding areas. He provides a wide range of life insurance such as universal, whole, and term. Aside from life insurance, Ellerbee also offers plans for vehicles, businesses, condominiums, and renters. Ellerbee served in the United States Air Force for eight years and is a Fairfield/Suisun Chamber of Commerce member. He now owns the Cory Ellerbee Insurance Agency, a full-service Farmers Insurance agency that has been operating since May 2020.

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Eastman Insurance Solutions

490 Merchant Street, Vacaville, CA 95688

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Life Insurance

Eastman Insurance Solutions is a life insurance agency that serves clients from Fairfield. The firm offers whole and term life insurance options to secure clients' financial security in case of an unexpected event. Its team of insurance professionals is well-versed in handling the needs of families, individuals, and small and medium-sized businesses. There are insurance policies for workers' compensation and real estate investors as well. Owned by Shane Eastman, this privately held firm has been operating since 2013.

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Firebird Insurance Solutions LLC

1000 Texas Street, Fairfield, CA 94533

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Life Insurance
Health Insurance
Whole Life Insurance
Term Life Insurance

Firebird Insurance Solutions LLC is a multi-line insurance company serving the Fairfield metro area. The firm helps clients in protecting their loved ones against future financial mishaps by obtaining a life insurance plan. Its independent insurance brokers represent over 50 companies that can deliver different types of life insurance, such as term life, whole life, indexed and variable universal life, accidental, and final expense life insurance. Some of the company's staff are fluent in Spanish, allowing the firm to cater to Spanish-speaking communities.

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Rena MacDonald

1300 Oliver Road, Fairfield, CA 94534

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Life Insurance
Health Insurance

Rena MacDonald is a California-based State Farm insurance agent serving families and individuals in the Fairfield and Suisun areas. Rena has been in the insurance industry for over three decades and is passionate about helping members of the community achieve elevated and stress-free lifestyles. She and her team of trained insurance specialists are adept at assisting individuals in different stages of their lives and with varying needs. They offer exhaustive life insurance packages with options for term, whole, and universal life insurance coverage.

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Best Life Insurance Companies in Fairfield

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Life Insurance Companies FAQs

Barbara Lightfoot-Nielsen

Cory Ellerbee

Eastman Insurance Solutions

Firebird Insurance Solutions LLC

Rena MacDonald

Frequently Asked Questions

Q: Who should buy supplemental health insurance?

Q: Can I buy health insurance anytime?

Q: Can I buy health insurance that is not Obamacare?

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