Business Details
Your Trusted Health Insurance Partner in Santa Cruz
Pozos Insurance Services has been dedicated to providing personalized health insurance solutions for residents of Santa Cruz and the Monterey Bay Area for over two decades. Our team, led by Kathleen Brewer de Pozos and Randolfo Pozos, combines extensive healthcare industry expertise with certified training through Covered California to guide clients through the complexities of health insurance selection and enrollment. With over 40 years of combined healthcare experience, we specialize in helping individuals, families, and small businesses navigate the Affordable Care Act marketplace while offering alternative coverage options through major insurers like Anthem Blue Cross, Health Net, and Kaiser Permanente.Our commitment to education and service excellence ensures clients receive tailored advice for Medicare transitions, dental and vision coverage, and international travel insurance. As a locally-owned agency, we prioritize transparent communication and bilingual support to make health insurance accessible and affordable for all our clients.
Services
Health Insurance
Dental Coverage
Vision Plans
Medicare Assistance
Travel Insurance
Small Group Policies
Highlights and features
- We offer 20+ years of health insurance expertise with Certified Agent training
- Our team provides personalized guidance through Covered California marketplace
- We maintain appointments with major insurers like Anthem and Kaiser Permanente
- Our service includes free assistance with policy selection and enrollment
- We provide bilingual support for Spanish-speaking clients
Associations and certifications
- Covered California Certified Insurance Agent
Services
Health Insurance
We provide comprehensive health insurance solutions through Covered California marketplace and private insurers. Our Certified Agents help clients evaluate ACA-compliant plans, understand subsidy eligibility, and select coverage matching their medical needs and budget. We support enrollment for individuals, families, and small businesses.
Medicare Assistance
Our agency specializes in Medicare transitions for clients turning 65. We explain Part A/B basics, help select supplemental plans, and advise on prescription drug coverage options. We coordinate with employer-sponsored plans during coverage transitions while explaining tax credit qualifications for small business owners.
Dental Coverage
We offer standalone dental insurance options available through Covered California and private insurers. Our plans cover preventive care, major procedures, and orthodontic treatments for all age groups. We help clients understand network dentist access and out-of-pocket cost structures.
Travel Insurance
Through GeoBlue partnerships, we provide travel medical insurance for short-term trips, student exchanges, and long-term overseas assignments. Our policies cover emergency medical evacuation, routine care abroad, and pre-existing condition protections for international travelers.
Small Group Policies
We help employers navigate Covered California's SHOP program to establish affordable group health plans. Our services include explaining tax credit opportunities, designing flexible plan options for employees, and maintaining cost-control strategies that balance business needs with comprehensive coverage requirements.
People
Kathleen Brewer de Pozos
Certified Insurance Agent
With 20+ years as a Covered California Certified Agent and 40+ years healthcare experience, Kathy specializes in ACA marketplace navigation, Medicare transitions, and small business insurance solutions.
Randolfo R. Pozos
Insurance Agent
Randy brings 25 years insurance industry experience and 40+ years healthcare management background, focusing on property/casualty cross-selling and senior coverage options.
Questions
What health insurance options exist outside Covered California?
We offer alternative plans through Anthem Blue Cross, Health Net, Kaiser Permanente, and other insurers for clients needing coverage outside the ACA marketplace.
Can I get dental coverage through Covered California?
Yes, adult dental coverage has been available through Covered California since 2017, with multiple plan options available in our service area.
How do I designate your agency during Covered California enrollment?
Create your Covered California account and search for 'Brewer de Pozos' under 'Find Help Near You' to designate us as your official agent.
What Medicare supplement options do you offer?
We provide various Medigap plans and Advantage options to cover deductibles, co-pays, and excess charges not included in Original Medicare Parts A and B.
Do you offer international health insurance?
Yes, through our GeoBlue partnership, we offer travel medical insurance for single trips, multi-trip policies, and long-term overseas assignments.
Is your insurance assistance really free?
Yes, our services are completely free - your policy cost won't increase for using our Certified Agent consultation and enrollment assistance.
