Lorenzini Insurance & Financial Associates

Health Insurance, Life Insurance and Medicare Advantage

CA Insurance License # 0E16222 National Producer # 7875415

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(949) 636-4884

Individual Health Insurance

"What doesn't kill you makes you stronger" while there is some truth to this old saying being in need of medical care often leads to a person becoming financially weak. This is why health insurance exists. To help those individuals who plan ahead to keep their financial situation in tact in the event of a health issue. The cost of seeing a doctor or being hospitalized is always increasing, leading many to debts that they are not able to afford. Regardless of your age, present physical health, or any existing health coverage you may already have, choosing the right health insurance options that fit your particular needs, as well as your budget, requires the skill and experience of an insurance expert to ensure that you and your loved ones are fully protected. Lorenzini Insurance & Financial Associates offers a full range of affordable health plans and works closely with individuals and families to find the most suitable coverage options.

Affordable Health Insurance Plans Designed Just For You

Open Enrollment:    November 1, 2021 to January 31, 2022 California residents with individual health insurance can make changes Off Exchange or On Exchange (coveredca.com).  December 15th the last day to get a January 1, 2022 effective date.  January 15th last day to get a February 1st effective date. CoveredCA passive Open Enrollment is October 1 to November 26, 2021.  Those currently active with medical coverage review benefits and update their contact info and income for 2022. Those with income below the 150% of FPL may move from Bronze to the Silver 94 plans.  Direct mailing of updates sent late September. American Rescue Plan Act:  Effective January 2021 and ends December 2022.  Created an individual open enrollment period for those currently uninsured or collecting unemployment and seeking additional subsidy dollars to pay down premiums.  8.5% of income is the CAP for premiums for ALL enrolled and collecting unemployment.  Those individual involuntarily terminated could receive COBRA payments from April to September 2021 (only). Ideally, your health coverage should reflect the changes at each life stage. Lorenzini Insurance & Financial Associates offers a range of health plans that can be tailored to your individual situation. Choose from:

Individual medical coverage

designed for those who do not have any health insurance with their employer in the Orange region.

Medicare supplemental insurance

gives seniors extra coverage to help with medical expenses that are not covered by Medicare.

Supplemental health insurance

provides you with a fixed benefit amount for unexpected expenses in addition to the primary health coverage you already have. Accidental Injury or Critical Illness plans are examples of this coverage.

Primary medical insurance coverage

is designed for people who don't have this type of coverage through their employer or another group.

Customized Medicare Supplemental Coverage

Ask a Lorenzini Insurance & Financial Associates health insurance specialist for more information about specialized supplemental Medicare coverage to enhance/add to your Original Medicare (Part A & B). Contact our insurance advisers to find out more about individual health care coverage that can include medical, dental and vision plans. Protect your family’s well-being by ensuring you have protection when you need it most. With a wide range of options and a multitude of carriers at our disposal Lorenzini Insurance & Financial Associates experts can provide the individual coverage you need at affordable rates.

Contact us now to get a free quote!

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