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.

6 Best Palmdale Life Insurance Companies

Berns Financial and Insurance Services

45725 Chama Drive, Lancaster, CA 93535

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Life Insurance

Berns Financial and Insurance Services is a Lancaster company that extends its life insurance and fixed and indexed annuities to Palmdale. With over 30 years of experience in the industry, the company works closely with its clients to design coverage and protection that meets their unique, individual needs. Other areas of specialization include retirement, tax, and estate planning services. Berns Financial and Insurance Services aims to free its clients with high-risk investments and help them enhance their financial situation and quality of life.

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CHL Insurance Agency

949 East Palmdale Boulevard, Palmdale, CA 93550

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Life Insurance
Health Insurance

CHL Insurance Agency has over 20 years of experience serving Palmdale and the Antelope Valley. It works with multiple insurance companies, such as Kemper and Bristol West Insurance Group, to help clients obtain the best possible life, health, home, or auto insurance policies. Its agents also assist in managing risks associated with recreational vehicles, motorcycles, and businesses. CHL Insurance Agency also provides income tax preparation, notary public, and vehicle registration services. Moreover, its website contains insurance company links to facilitate online payments.

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Delcid Insurance Agency

38406 10th Street East, Palmdale, CA 93550

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Life Insurance

Delcid Insurance Agency is a family-owned business that has been providing insurance solutions to Palmdale and other nearby metros since 2013. As a bilingual company, it also serves the needs of its Spanish-speaking clients. It offers life, disability, medical, and dental insurance. The agency also protects properties and personal possessions through its auto, ATV, UTV, homeowners' and renters' insurance options. In addition, it helps businesses acquire general liability, commercial vehicle, and workers' compensation insurance.

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Right Source Insurance

38780 Trade Center Drive, Palmdale, CA 93551

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Life Insurance

Located in Palmdale, Right Source Insurance is an independent insurance agency that has been serving individuals, families, and businesses throughout California for more than two decades. It offers term life insurance and individual health insurance. It also provides other insurance products, such as homeowners' insurance, auto insurance, and commercial insurance. The company works with various insurance providers, such as Blue Cross of California, Aetna, and Progressive to provide clients options. Right Source Insurance is a Trusted Choice Agency.

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Todd Main

650 Commerce Avenue, Palmdale, CA 93551

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Life Insurance

An affiliate of State Farm, Todd Main handles two insurance agencies in Palmdale and Lancaster. With over 100 years of collective industry experience, Todd and his team assist clients in understanding the insurance process and help them obtain suitable coverages, whether for life, property, auto, or home insurance policies. They walk clients through life insurance coverages, which include limited time periods, death benefits, and cash values that grow over time. Todd has been living in Palmdale for 25 years.

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Wendell Cuffy

40015 Sierra Highway, Palmdale, CA 93550

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Life Insurance
Health Insurance

Wendell Cuffy is an insurance professional affiliated with State Farm. He caters to individuals, families, and businesses in Palmdale and the surrounding communities. His product line includes term, universal, and whole life insurance policies, covering college tuition, debt settlements, living expenses, and mortgage payments. Additionally, he helps in the acquisition of auto, health, home, pet, and property insurance plans. Besides being an insurance agent with 25 years of professional experience, Wendell has served in the Naval Reserve and the United States Navy.

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Best Life Insurance Companies in Palmdale

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Life Insurance Companies FAQs

Berns Financial and Insurance Services

CHL Insurance Agency

Delcid Insurance Agency

Right Source Insurance

Todd Main

Wendell Cuffy

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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