Business Details
50+ Years
experience
Your Trusted Health Insurance Partner in California
Founded in 1954, Bob Heckley Health Insurance has established itself as a trusted leader in health insurance solutions across California. Our agency specializes in individual, family, and group health insurance plans, including Medicare supplements, Health Savings Accounts, and COBRA alternatives. With over 50 years of combined experience, our team of experts provides unbiased guidance to help clients navigate the complexities of the Affordable Care Act and secure coverage tailored to their unique needs.We maintain strong relationships with major California carriers to deliver competitive rates and personalized service without broker fees. Our commitment to transparency and client education ensures customers receive comprehensive plan comparisons and updates on evolving healthcare regulations. As a locally-owned agency based in San Jose, we serve clients throughout Santa Clara County and the entire state of California.
Services
Individual Health Insurance
Family Coverage Plans
Group Insurance Solutions
Medicare Supplements
COBRA Alternatives
Dental Insurance
Details
- Year established: 1954
Highlights and features
- We have over 50 years of combined experience in health insurance
- Our agents provide unbiased, personalized coverage recommendations
- We offer competitive rates from all major California carriers
- We specialize in Affordable Care Act compliance and updates
- We serve clients throughout California with local expertise
Services
Individual Health Insurance
We provide ACA-compliant health insurance plans for individuals seeking coverage that meets federal standards while fitting personal budgets. Our plans include preventive care, prescription drug coverage, and protection against high medical costs from unexpected illnesses or accidents. With no pre-existing condition exclusions, we help clients find affordable options that meet their specific healthcare needs.
Group Insurance Solutions
Our agency offers customized group health insurance proposals for businesses of all sizes, featuring competitive rates from major California carriers. We help employers provide comprehensive benefits packages without broker fees, ensuring compliance with current regulations while balancing employee needs and company budgets through personalized service.
Medicare Supplements
We assist Medicare-eligible clients in selecting supplemental coverage options that address gaps in Original Medicare plans. Our experts explain Medigap policies and Medicare Advantage plans, helping seniors choose coverage that handles deductibles, co-payments, and provides flexibility in healthcare provider selection across the country.
COBRA Alternatives
We offer affordable alternatives to traditional COBRA coverage for individuals transitioning between jobs or life changes. Our solutions provide continuous health insurance protection at lower costs than standard COBRA plans while maintaining essential coverage benefits during employment transitions.
Dental Insurance
We provide comprehensive dental coverage options including standalone plans and integrated health-dental packages. Our agents help clients understand ACA-related dental benefits, offering solutions that cover preventive care, major procedures, and emergency dental services at competitive rates.
People
Bob Heckley
Founder
With over 60 years in insurance, Bob founded the agency in 1954 after graduating UC Berkeley. He transitioned to health insurance specialization in 1980 and has educated at multiple institutions including Golden Gate University's MBA program.
Carol Newell
Agent
Carol joined the agency in 1990 while attending San Jose State University and has dedicated her career here since graduating in 1992. She provides expert guidance on health insurance options and ACA compliance to California residents.
Dennis Zaffonato
Insurance Agent
Dennis brings extensive sales experience to our team, offering personalized assistance with health insurance selection. He helps clients understand their coverage options while maintaining the agency's commitment to exceptional customer service.
Questions
What health insurance options are available for individuals?
We offer ACA-compliant individual plans covering preventive care, prescriptions, and major medical expenses with no pre-existing condition exclusions.
Can small businesses get group health insurance through you?
Yes, we provide customized group insurance proposals for businesses with two or more employees featuring competitive rates from major California carriers.
What Medicare coverage options do you help with?
We assist with Original Medicare (Parts A/B), Medicare Advantage (Part C), Medigap supplements, and prescription drug coverage options.
Do you offer dental insurance coverage?
Yes, we provide standalone dental plans and integrated health-dental packages covering preventive care, major procedures, and emergency dental services.
Are there alternatives to traditional COBRA coverage?
We offer affordable COBRA alternatives that provide continuous coverage during job transitions at lower costs than standard COBRA plans.
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