Insurance Plans
Over 25 Years of Experience  |  Certified Agent of Covered California  |  Free Quotes


Medicare Plans

Types of Medicare Advantage Plans

Health Maintenance Organization (HMO) plans

In most HMO plans, you can only go to doctors, hospitals, or other healthcare providers in the plan's network, except in an urgent or emergency situation. Referral from your primary care doctor for tests or to see other doctors or specialists may be needed.


Preferred Provider Organization (PPO) plans

In a PPO plan, if you go to doctors, hospitals, and other healthcare providers that belong to the plan's network, you'll pay less. If you use doctors, hospitals, and providers outside of the network, you'll usually pay more.


Private Fee-for-Service (PFFS) plans

PFFS plans are similar to Original Medicare. As long as they accept the plan's payment terms, you can generally go to any doctor, other healthcare provider, or hospital. The plan determines the cost it will pay for doctors, hospitals, and other healthcare providers and the cost you must pay when you get care.


Special Needs Plans (SNPs)

SNPs offer focused and specialized healthcare for specific groups of people, such as those living in a nursing home, having certain chronic medical conditions, or having both Medicare and Medicaid.


HMO Point-of-Service (HMO-POS) plans

A HMO-POS plan may allow you to get some services out of the plan's network for a higher copayment or coinsurance.

Medicare Advantage Plan Eligibility

Those who have Medicare Parts A and B and live in the plan's service area are eligible to join. Generally, people with end-stage renal disease (permanent kidney failure) can't join a Medicare Advantage plan.

Cost of Medicare Advantage Plans

You'll usually pay one monthly premium for the services included in a Medicare Advantage plan in addition to your Part B premium. It's important to compare plans in your area and understand plan costs and benefits before you join as each Medicare Advantage plan has different costs for services and different premiums. 

Medicare Advantage Plan Coverage

A Medicare Advantage plan covers all of the services that Original Medicare covers, except hospice care. Even if you're in a Medicare Advantage plan, Original Medicare covers hospice care. You'll be always covered for emergency care in all types of Medicare Advantage plans. Medicare Advantage plans will offer emergency coverage outside of the plan's service area (but not outside the United States).


Extra benefits such as dental care, eyeglasses, or wellness programs are also offered by many Medicare Advantage plans. Medicare prescription drug coverage (Part D) is included in most Medicare Advantage plans.


You'll pay one monthly premium for the plan's medical and prescription drug coverage in addition to your Part B premium. Benefits of the plan can change from year to year. You will want to make sure you understand how a plan works before you join.

Medicare Advantage Plans in Detail

Get Medicare benefits through Original Medicare or a Medicare Advantage Plan (such as an HMO or a PPO). The government pays for Medicare benefits if you have Original Medicare. The private companies approved by Medicare offer these Medicare Advantage Plans, sometimes called "Part C" or "MA Plans." Medicare pays these private companies to cover your Medicare benefits.


Join a Medicare Advantage Plan to get all your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. Contact the insurance expert at Frans Visser Financial Services to discuss your needs and get a FREE quote.

Doctor's Appointment

Health and Dental Insurance

Dentist Chair

Your Covered California Health and Dental Insurance Specialists

Learn everything you need to know about Covered California with us. As the state's official health insurance Exchange mandated by the ACA, Covered California seeks to get as many Californians enrolled in an affordable health insurance plan as possible. 


A patient-centered benefit design by Covered California gives you exceptional benefits. Dental coverage is considered a major health benefit for children. Any health plan purchased through Covered California includes dental coverage for individuals under age 19.

Covered California provides coverage from a number of health insurance companies. You'll get exceptional benefits with affordable premiums and good access to doctors and hospitals in all areas of the state from these health insurance companies. We are associated with health insurance companies such as those listed below, though not all companies are available in all areas:

  • Blue Shield of California

  • Anthem Blue Cross and Blue Shield

  • HealthNet

  • Kaiser Permanente

  • Humana

  • Aetna

  • Cigna

  • United Healthcare

Make the Right Healthcare Decisions

It is true that you can do your research through Covered California yourself. But why should you have to when someone is available to do it for you and offer you all the FREE advice you need to make the right healthcare decisions for you and your family?


The Best Health and Dental Plan for Your Needs

Frans Visser Financial Services, your certified Covered California agent, can help you obtain Medi-Cal if necessary, as well as other coverage that can never be cancelled or denied due to pre-existing conditions. Our goal is to help you choose the best plan possible for your needs.

Medicare Prescription Drug Plans


We Provide Insurance Plans Approved by Medicare


Medicare offers prescription drug coverage to everyone with Medicare. If you want Medicare drug coverage, you need to join a plan run by a Medicare approved insurance company like Frans Visser Financial Services. The cost and the drugs covered may vary depending on the plan you choose. Contact us today to learn more about these plans.

Insurance Consultation

What Do These Drug Plans Cover

Medicare drug plans have different tiers for drugs based on their formularies. Drugs in these tiers have different costs. A drug plan can make changes to its formularies during the year within the guidelines set by Medicare. If a drug that you're taking is part of this change then your plan needs to do one of these:

  • Written notice must be provided to you at least 60 days prior to the date the change becomes effective

  • When you request a refill, provide written notice of the change and a 60-day supply of the drug under the same plan rules as before the change

Life Insurance for Families and Individuals


Different Life Insurance Plans

  • Family maintenance plans

  • Family income plans

  • Estate preservation plans and many more


  • Prudential

  • Protective Life

  • American General

Why Choose Us?

  • Frans Visser Financial Services was established in 1997

  • We provide sound financial and insurance advice for free

  • Individual and family coverage is available


Comprehensive Life Insurance for Everyone

Life insurance is very important to keep your family financially secure when the unthinkable happens. The executives at Frans Visser Financial Services will help you find the right policies for you and your family. Fill out our form to contact us