Business Details
13 Years
experience
Your Trusted Insurance Partner in Walnut Creek, CA
CalHealthAgent is a family-run insurance agency dedicated to helping individuals and families navigate health, Medicare, life, and long-term care insurance options. Founded in 2013 by Karen Marriner, a licensed agent with over 25 years of experience in employee benefits and health care management, we prioritize personalized service and client education. Our mother-daughter team combines deep industry expertise with a commitment to making insurance accessible and stress-free.Karen, a UC Berkeley and Wharton School graduate, specializes in Affordable Care Act subsidies and Medicare solutions, while Lucy Marriner focuses on individual and family health plans, leveraging her social work background to provide tailored guidance. We handle enrollment processes from start to finish, ensuring clients receive comprehensive support and coverage that aligns with their unique needs and budgets.
Services
Health Insurance
Medicare Options
Life Insurance
Long-Term Care
Covered California Plans
Private Health Insurance
Short-Term Coverage
Medicare Supplements
Part D Prescription Plans
Hybrid Life Insurance with LTC Benefits
Details
- Year established: 2013
Highlights and features
- We offer personalized insurance solutions tailored to your unique needs
- Our team has over 25 years of combined experience in health care and insurance
- We provide free, unbiased guidance from licensed California agents
- We specialize in maximizing ACA subsidies and Medicare cost savings
- We handle complex enrollment processes to reduce client stress
What people say
Super incredible experience
Knowledgeable and helpful
Lifesaver
Clear and concise information
Trusted expert
Services
Health Insurance
We help clients navigate Covered California and private health insurance options. Our experts compare plans based on network coverage, prescription needs, and budget considerations. We specialize in maximizing subsidies and tax credits while ensuring access to preferred providers. Our service includes enrollment assistance, plan comparisons, and ongoing support for policy adjustments.
Medicare Options
Our Medicare specialists guide clients through Original Medicare, Advantage plans, and Supplement options. We focus on prescription coverage, network limitations, and annual plan reviews. We help with enrollment timelines, penalty avoidance, and understanding changing benefits. Our service includes personalized comparisons of 2025 plan options.
Life Insurance
We offer term, whole, and hybrid life insurance solutions. Our process includes needs assessment, policy comparisons, and legacy planning. We help clients understand premium structures, death benefits, and cash value components. Our service covers estate planning, mortgage protection, and business continuity strategies.
Long-Term Care
We provide traditional LTC insurance and hybrid life insurance-LTC combinations. Our experts explain coverage options for home care, assisted living, and nursing facilities. We help clients protect assets while maintaining care flexibility. Our service includes inflation protection planning and shared coverage options for couples.
Covered California Plans
As certified agents, we assist with subsidized health plan enrollment. We verify eligibility, compare Bronze-Silver-Gold-Platinum tiers, and ensure maximum tax credit utilization. Our service includes special enrollment guidance, income change reporting, and network verification for preferred providers.
People
Karen Marriner
Founder & Licensed Agent
With 25+ years in health care and employee benefits, Karen founded CalHealthAgent to simplify insurance access. She holds a UC Berkeley nutrition degree and Wharton MBA, specializing in ACA subsidies and Medicare solutions.
Lucy Marriner
Licensed Agent
Lucy specializes in individual and family health plans, leveraging her social work background to provide personalized insurance guidance. She focuses on Covered California enrollment and transition coverage solutions for self-employed clients.
Questions
How do I enroll in Covered California through CalHealthAgent?
We guide you through document verification, subsidy qualification, and plan selection with no extra fees.
What's the difference between Medicare Advantage and Medigap plans?
We explain coverage gaps, premium costs, and network limitations to help you choose the best option.
Do I need long-term care insurance if I'm healthy?
We help assess risk factors and create customized plans to protect savings against future care costs.
Can I get life insurance with pre-existing conditions?
We work with top-rated carriers to find affordable options tailored to your health situation.
How do I schedule a consultation?
Use our online booking system or call us directly for same-day appointments.
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