D.O.S Insurance services proudly offers Individuals of all ages’ families and Medicare beneficiaries’ Medical health plans by most of California’s leading health insurance carriers.
Health plans are offered by Anthem Blue Cross, Blue Shield, Health net, Aetna, United health care and Kaiser Permanente. For groups we also offer California choice plans.

The main difference between an individual plan and a group plan is the fact that for an individual or family plan one has to submit an application and go through medical underwriting. A process in which the insurance carrier takes into account the applicants medical history, obtaining information from the applicant’s application and or their medical record. Were In a group plan an individual’s health history cannot be a reason for declining coverage. However in a group’s case the group has to be able to prove with documentation that they are a legal business entity.

Individuals and their families have many choices weather to get a PPO (preferred provider organization), HMO (health maintenance organization) POS plan (point of service), HAS (health savings account) and others.

Families can choose high or low deductibles and co pays and pretty much find any plans that meet their needs. For example, some plans do not cover maternity. So if you are a single male or a 50 year old female and not planning on having children you may as well choose one with no maternity since the plans are lower in cost.

Most companies today have in excess of 20 plans they offer. Multiply by 9 to 10 Medical insurance companies and you have several hundred choices. Not an easy task for the average consumer, therefore we strongly recommend that you call on us to help you with your selection. We can make your journey navigating between the health plans shorter easier and hopefully also pleasant.

D.O.S Insurance services proudly presents Health insurance plans for groups and businesses of any size. Offering medical plans with California’s leading insurance carriers. Anthem Blue Cross, Blue Shield, Health net, Aetna, united health care, Kaiser Permanente and California choice health plans.

There is no medical underwriting in group health insurance. The only qualification is that the group provides documentation proving they are a legal entity.

Choices are many, PPO’S HMO’S POS plans HSAs and some other plans. In the old days employers had only one option to choose from. If they chose a PPO than all employees had to get the same plans. However times have changed and an employer can choose a variety of options that the employee can select any option of their choice that meets their and their family needs. We can even tailor an option that combines several Health insurance carriers and each employee can select a different carrier.

Auxiliary benefits are also offered through D.O.S insurance services and they include, dental insurance, disability insurance life insurance Long Term care insurance, chiropractic and acupuncture.

Some employers mistakenly think that it is very expensive for them since they have to pay for a high percentage of the premium. On the contrary, an employer can choose to pay for what is called a “defined contribution”. As an example they can pay for $100 for each employee and the employee than pays the rest. By doing so, they can secure a fixed cost for their business and most important offer guaranty issue health insurance for their employees and their families.

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We represent the following insurance carriers:

D.O.S Insurance Services is a business-to-consumer Health Insurance agency that delivers Web-based, Medical Insurance information to individuals, families and small businesses who are in need.

Our integrated suite of online services facilitates a comprehensive of leading insurance companies. Affordable health insurance is provided by major carriers such as Anthem Blue Cross, Blue Shield, Kaiser Permanente, Health net, Aetna United healthcare and California choice plans. Many other Insurance carriers are available offering Life insurance Long-Term Care insurance disability insurance and other auxiliary benefits to small group employers. Just input your information, click your mouse and you will be able to view a wide variety of health insurance plans presented by the top Insurance companies in California.

In addition we also offer Dental plans and for our senior clients we offer many Medicare supplement health plans including Medicare advantage plans.

After you select the plan of your choice, click apply, and complete the application.

If you need help choosing a plan just give us a call. We will be more than happy to help you with your selection.

D.O.S Insurance Services is not owned by any insurance company, therefore we provide objective information to consumers and small business owners, helping them make informed decisions about their Health Insurance needs. Our service is available to all California residents.

D.O.S Insurance services has been the agency of choice for Californians for over 10 years and currently servicing over 2000 clients.