The health insurance industry is complex and Reinhardt Insurance is here to make sure you understand your options and keep your health care secure.

We utilize the services of the major health insurance carriers authorized to provide coverage in California and ensure you get the right coverage at the best possible price.

With life insurance, we help our clients find the best solution at the lowest cost. We employ creative and proven strategies to help you manage risk while planning for the future. 

While business coverage can being at any time, personal health coverage has open enrollment from Nov. 1 through Jan. 31, unless the individual is able to enroll through a qualifying event.

Our coverage options include:

Health Coverage: Health insurance has traditionally been provided by private insurers and by service associations. Health insurance organizations (HMO) and preferred provider organizations (PPO) offer alternative methods of health care coverage and financing. There are many options available based on coverage needs, and many have a surprising low cost.

Disability Coverage: This coverage protects your income and quality of life, if you encounter a series injury or illness. Most disability policies will cover you for both short-term and long-term periods during disability, by replacing a set amount of your income if you are unable to work due to that disability.

Life Insurance Options: Life insurance has a primary purpose – to replace the loss of income due to an untimely death. For most people, a term insurance policy that covers them to retirement age is the most appropriate choice. These policies are available at surprisingly low, level premiums for terms up to 30 years. There are also policies that guarantee the full return of the premium if the insured is still living at the end of the term and does not need to keep the coverage in force - providing peace of mind.

Medicare Supplemental Insurance: Medicare is designed to provide basic medical coverage to retirees and certain disabled persons. Medicare supplemental policies are designed to help keep medical expenses as low as possible. There are several plans to choose from depending on the level of coverage desired.

Strong Carrier Relationships

Working with the following major Life & Health carriers, Reinhardt Insurance can meet our clients needs and give them many options to select their coverage:

• Aetna

• Aflac

• Allstate Voluntary Benefits

• Ameritas

• Anthem Blue Cross

• Blue Shield

• California Choice

• Caretrust Networks

• Choice Builders

• Cigna

• CIMS

• Cincinnati Life

• Colonial Life

• Community Care Health

• CoPower

• Delta Dental

• Health Net

• Kaiser Permanente

• Lincoln Financial

• Mass Mutual

• Metlife

• Principal Financial Group

• Reliance Standard

• TransAmerica

• United Health Care