Health Insurance

Easily compare the best health insurance plans

Why Choose Us?

Selecting the right health coverage is crucial for you and your family. Health insurance shields against unexpected high costs for hospitals, medications, tests, and doctor visits. Your choice of insurance plan directly influences and significantly impacts your medical expenses.

Cost-Effective Care Sharing

Our health insurance spreads care costs across a large group, minimizing individual financial strain.

Tailored Access to Healthcare

We cover everyone, ensuring even those with extensive healthcare needs get the necessary attention.

Enhanced Access and Timely Care

Studies confirm our insurance improves access and offers timely healthcare options.

Small Business Owner? Explore Health Insurance Solutions for Your Business

Every employee is valuable to their employer, especially for firms with fewer than 100 employees. At ZIS, we deeply understand this truth and deliver a high level of service, a trademark of ours, to our large group health clients.

As independent agents, we insist on health insurance options from companies that ensure all your employees and their families receive the necessary coverage while meeting your cost specifications. We prioritize the health and well-being of not only your firm and employees but also our client/agent relationship.

ZIS offers a range of services for your company’s needs. We provide an HR platform certifying your firm’s complete compliance with ever-changing rules and regulations regarding your legal obligation to offer health care insurance. Additionally, we offer customized online portals for you and your employees to review current policies, benefits, print policy ID cards, and plan for healthcare visits.

For clients with 25+ employees, ZIS provides customized options for additional coverage, including composite rates that protect employees with pre-existing conditions from high premiums.

$100,000 Worth of HRM Software

At Zein Insurance we offer our clients HRM software valued over 100-thousand-dollars for their first enrollment year.

Easy Human Resource Management

With Zein Insurance Services, you can access/retrieve certificates, commissions, task, carrier download, reports, invoices, and more.

Access and Receive Certificates

We offer an intuitive on-boarding and off-boarding, HRIS database, time-off tracking, employee self-services, benefits administration and more.

Quick and Easy HR Web Portal

At Zein Insurance, we provide access to an easy-to-use intranet portal that delivers companies over 50 useful features.

Health Insurance Solutions for Large Businesses with 100+ Employees

While we consider our small business clients as family, we maintain the highest levels of professionalism for our corporate clients at ZIS. We recognize this as not just a standard but a necessary aspect to ensure your firm conducts a fair bidding process.

ZIS offers an HR platform that certifies your firm’s complete compliance with ever-changing rules and regulations related to your legal obligation to offer health care insurance. Additionally, we provide customized online portals for you and your employees to review current policies, benefits, print policy ID cards, and plan for healthcare visits.

We possess unique knowledge and insight into the insurance market for our corporate clients. For many clients, attracting and retaining talented employees through employee benefits packages has been a common theme. Let us share our knowledge with your firm to aid in achieving its strategic goals.

Health Insurance Solutions for Individuals and Families

It is our goal at ZIS to provide the plan on which you and your family can always depend for your health care insurance needs. We understand that our clients seek a policy that covers their health care costs with the least amount of hassle. That’s why at ZIS, we strive to identify health care insurance coverage options that ensure your current doctors are covered while remaining flexible to protect you and your family in the event of any unforeseen circumstances.

Our agents work diligently to find the best plan for every situation. As an independent insurance agency, we are never pressured to push any specific carrier onto our clients. At ZIS, we are true agents, always working on behalf of our clients’ best interests when providing guidance.

Covered CA

Since day one, Zein Insurance Services has been a certified Affordable Care Act (Obamacare) agency, starting with its official rollout. We have assisted thousands of individuals and families in claiming the maximum amount of governmental subsidies/discounts when purchasing health insurance through Covered California™.

We are honored to play our role in the mission to increase the number of Californians with health care insurance, aiming to improve the quality of health care, reduce coverage costs, and ensure that affordable health care insurance is available to all of California’s uniquely diverse population.

In collaboration with DHCS (Department of Health Care Services), ZIS has provided low-income Californians access to affordable, high-quality health care insurance, covering Medical, Mental Health, Substance Abuse Treatment Services, and Long-Term Care. The vision is to preserve and enhance the physical and mental health of all Californians.

Zein Insurance Services agents empower individuals and families to understand and choose the health plan that offers security and peace of mind, ensuring every Californian deserves comprehensive coverage. We are committed to making clients aware of all their health coverage options. Our bilingual staff can help determine if you or your family qualify for free or low-cost health care insurance, including Medi-Cal, and assist in comparing a range of health plans to choose the right one.

Exploring Medicare Options

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help cover some of the healthcare costs that Original Medicare doesn’t, including co-payments, coinsurance, and deductibles.

Some Medigap policies also provide coverage for services not included in Original Medicare, such as medical care when you travel outside the U.S. If you have Original Medicare and purchase a Medigap policy, Medicare covers its share of the Medicare-approved amount for covered healthcare costs, and then your Medigap policy pays its share.

A Medigap policy differs from a Medicare Advantage Plan. While Medicare Advantage Plans offer a way to receive Medicare benefits, a Medigap policy serves to supplement your Original Medicare benefits.