Independent & Licensed in California
Health coverage explained by someone who’ll actually pick up the phone.
Our licensed agents bring decades of combined insurance experience to helping California individuals, families, and small businesses find coverage that fits — no call centers, no scripts, no added cost to you.
Coverage We Help With
- Individual & Family Health
- Covered California & CCSB
- Dental & Vision
- Life & Disability
- Key-Person & Buy-Sell
- Medicare
Agency License #0I36052
Todd Larner, Agent #0H68659
Patricia Amano Larner, Agent #0592307
Serving California since 2009
Why Work With Us
Advice first. Commission second.
We’re paid by the carrier, not by you — so our only job is finding the plan that actually fits your situation.
No Added Cost to You
Our commission is paid by the carrier at no extra charge — the premium is the same whether you enroll with us or go direct.
One Team, Every Product
Both agents are fully licensed and knowledgeable across everything we sell — so you get a straight answer, not a transfer to “the other specialist.”
A Direct Line to Your Agent
You’ll have a direct number to call. We may not always be able to pick up right away, but we’ll endeavor to get back to you within the same business day.
Products
The Coverage We Offer
Ask us about any of these — the ones marked → have a page of their own.
Individual & Family Health →
Covered CA & off-exchange plans
Small Group Health →
CCSB & private small-group
Dental & Vision
Standalone & bundled plans
Life Insurance
Term & permanent options
Disability Insurance
Individual income protection
Key-Person & Buy-Sell
Business continuity coverage
Medicare →
Advantage, Supplement & Part D
Covered California →
Subsidy & enrollment help
Medicare
Turning 65? Confused by the mail?
Todd and Trish are both licensed for Medicare, with decades of combined insurance experience between them — including the complicated cases many agents turn away.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 40 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program.
Request a Callback
We’ll call you back
Name, phone number, and the best time to reach you — that’s all we ask. No plan details are collected online.
Travel Health Insurance
Going abroad? Coming here?
Health coverage for short-term and long-term assignments, inbound and outbound from the U.S.
Who it’s for
- Students, faculty, and staff
- Missionaries
- Leisure, short, long, and multi-destination travel
- Visa requirements for students and others
Two ways to do this
Call us at 818-253-1736 and we’ll help you find the plan that fits your situation.
Or quote it yourself using the links below, if you already know which one applies.
BCBS Global Solutions
International health plans for expatriates, students, and long-stay travelers.
Independent, Authorized Broker of BCBS Global Solutions. See disclosures below.
WorldTrips
Travel medical coverage for shorter trips, visitors to the U.S., and visa requirements.
WorldTrips (formerly HCC Medical Insurance Services, LLC), 4 Carter Green, Suite 400, Carmel, IN 46032. California dba / License #0G39705.
Disclosures
Blue Cross Blue Shield Global Solutions is the trade name of Worldwide Insurance Services, LLC (Blue Cross Blue Shield Global Solutions Insurance Services in California and BCBS Global Solutions Insurance Services in New York), an independent licensee of the Blue Cross and Blue Shield Association. Blue Cross Blue Shield Global Solutions is a Brand owned by the Blue Cross and Blue Shield Association.
For fully insured Corporate plans and Scholastic plans in NY and certain schools in CA, medical benefits are provided under insurance policies underwritten 4 Ever Life Insurance Company, Oakbrook Terrace, IL, NAIC #80985. 4 Ever Life Insurance Company is an independent licensee of the Blue Cross and Blue Shield Association.
For all other fully insured Student plans and Individual Travel plans, Blue Cross Blue Shield Global Solutions℠ is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross and Blue Shield Association. This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
Please note: Travel health insurance does not provide assistance or emergency transportation from the country of travel in the event of kidnapping or a terrorism event. This coverage assists with health needs during travel, and with evacuation where necessary due to illness.
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Let’s find your plan.
One conversation, no pressure — that’s the whole approach.