No Matter What Kind Of Insurance You Need, We Get You Reliable Coverage At Affordable Prices
Medicare Options
The Medicare Advantage Plan will provide you with all your Part A and Part B benefits. These plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. This plan covers services that aren’t offered under the original Medicare plan, giving you added benefits!
Medicare Supplement Insurance Plans
Medicare supplement insurance helps pay some of the health care costs that Original Medicare doesn’t cover. Plus, it can be combined with the Original Medicare policy to get you maximum coverage and keep your health costs to a minimum.
Medicare Part D Prescriptions Plans
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
Health Insurance
Preferred Provider Organizations (PPOs)
A PPO lets its plan members visit a hospital or doctor network without requiring a referral from that member’s Primary Care Physician, or PCP. This type of plan is far more flexible and provides greater coverage than other health insurance options. This is the highest cost plan, but also provides some of the highest coverage.
Health Maintenance Organizations (HMOs)
An HMO is a health insurance provider that has a network of contracted healthcare facilities and providers. With an HMO policy, your primary care provider will need to refer you to any specialists within your network. This is the most affordable and most popular health insurance plan type.
Life Insurance
Term Life Insurance
Term life insurance provides coverage at a fixed rate of payments for a limited time. When that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client will need to add to their policy. If the life insured dies during the term, the death benefit will be paid to the beneficiary. This type of insurance is the most affordable way and can be amped up with additional riders to the policy.
Universal Life Insurance
Universal life insurance is a blend of a life insurance policy and an investment savings account. With this policy, you can build up your savings while still taking advantage of having a life insurance policy. And, you can take out multiple different kinds of universal life insurance policy, giving you different options that get you the coverage you need. We’ll work with you to create a custom policy that makes sense for you.
Auto Insurance
A home insurance policy is a great way to protect the valuable investment that is your home. With a home insurance policy, you ensure that you’ll receive payments or damages in case of a fire, earthquake, or other disaster befalling the home. Prepare for any emergency with a solid home insurance policy.
Final Expense – Burial Insurance
Final expense insurance is designed to pay for the bills that your loved ones will have to deal with after your death. These costs can rack up quickly and include medical bills and funeral expenses and more. This type of insurance is sometimes known as burial insurance since it’s created to help cover costs that take place as part of the burial process. This is the most expensive, yet one of the most beneficial, forms of life insurance.
Exclusive Provider Organization (EPOs)
An EPO is a combination of an HMO and a PPO plan. These types of health insurance plans tend to offer a bit more flexibility than an HMO but are less expensive than a PPO. Choose this option for a great middle-ground between the two different types of health insurance policies.
Just Us Insurance Helps You Take Control Of Your Life
Easy Sign-Up Process
There’s nothing more irritating than spending hours sifting through paperwork and application processes to get started with a life insurance policy. Just Us Insurance takes that hassle away with its easy sign-up process. Simply fill out your details on our contact form, send it our way, and we’ll get to work creating a custom insurance policy based on your needs and information.
No Cost To You
Gone are the days of paying an exorbitant amount to simply set up an insurance policy. However, our team won’t charge you for our services. You’ll only be charged the payments on the policies that are needed for you to hold onto and maintain those policies. Know that you’re taking an affordable approach to insuring your life and protecting your assets and your loved ones.
Comprehensive Coverage
We don’t just focus on one type of insurance. At Just Us Insurance, we know how important it is for you to have coverage for many different kinds of emergencies and disasters. Select from Medicare options, health insurance plans, home insurance coverage, auto insurance policies, and life insurance plans that keep you and your loved ones protected.
Customizable Quotes
Each policyholder is different, requiring different add ons and coverage. That’s why every quote that we put together is completely customized to your unique needs. When you work with our team, you know that you’re getting an insurance policy that’s been handcrafted for you and your needs.
What Sets Just Us Insurance Apart
With 15 years of hosting experience, we focus on successful and supportive insurance policies. Our community and support help you take out a policy fast and easy!
Affordable Rates
We get the lowest rates in the insurance market, ensuring that you’re fully covered in an emergency and on any budget. Plus, we don’t charge you for our services, getting you the best possible policy without racking up additional fees.
Dedicated To Customer Service
When something goes wrong with your insurance policy or you need help filing a claim, you want to know you’re working with a team you can count on. Just Us Insurance prides itself on putting our customers at the forefront of what we do, allowing us to provide outstanding service to everyone we work with.
24/7 Support
You never know when disaster might fall, which is why we have agents working around the clock to support you. If you need help filing a claim, simply reach out to our team and we’ll work with you to get the paperwork done and ensure that you receive the payout that you deserve.
One-Stop-Shop For Insurance Policies
There are so many different types of insurance policies out there, and you need to have all the coverage that you need for each one of your assets. Just Us Insurance acts as a one-stop-shop for your insurance needs by providing home, auto, life, medicare, and health insurance policies.
What Past Customers Are Saying
Are you still not sure if you’re ready to take out an insurance policy with Just Us Insurance? We understand! Check out some of our reviews from past clients and see what Just Us Insurance can do for you to keep you protected and on track.
“I took out a home insurance policy in the off-chance that something would happen. These guys made the whole process simple and easy to navigate! They gave me expert advice and got me amazing rates” – Rebecca Black
Protect Your Assets & Your Family
There’s no point waiting until disaster strikes to take out an insurance policy. Get ahead of emergencies and mitigate risks and expensive damages by taking out an insurance policy with Just Us Insurance today.
To get started, simply reach out to our team using our phone, email, or contact form and we’ll get back to you with a custom quote that makes sense for you.
We’ll take care of your home, auto, health, Medicare, and life insurance needs and make sure that you’re prepared for anything that comes your way.
Medicare Insurance
Congratulations ....Your Turning 65!
Medicare Part A & B Only
Part A is Free and Covers 80% of all Hospital Costs. Part B is Not Free and Covers 80% of Doctor Visits. Part D is NOT included, you NEED to add it.
Prescription Drug Plans – Part D
Helps you pay for both brand-name and generic drugs and offered as a Standalone or included with Medicare Advantage Plans. You must have a PDP even if you aren’t taking drugs, or you will pay a Fine!
Medicare Advantage Plans – Part C
Medicare Supplement Plans
Our Team
We are Independent Insurance Brokers, and have been helping Southern Californians find Affordable Insurance for over 20 years plus.
We represent America’s Finest Insurance Companies and offer Multiple Carriers for:
Medicare, Health Insurance, Life Insurance, Final Expenses, Auto & Homeowners Insurance.
Customizing plans to fit the Needs & Budgets of our Clients, We do all the research to make your choices easy.
*** NO COST TO YOU FOR OUR SERVICES***
Testimonials
What our Clients are telling us!
Received a personal/professional note from these people, made an appointment; they arrived at my home on time and set me up with the CORRECT Medicare package for my needs. Very nice and professional and suggest anybody looking to make the Medicare decision to call them. Can’t say enough about Jay and his daughter, Heather.. even changed my wife’s Medicare plan, and then also my 86 year old uncles plan…BEST service and help that I’ve ever received from an insurance agent/s…more like 🔟⭐️s THANKS AGAIN, Jay and Heather with Just Us Insurance
George H
Heather with Just Us Insurance Services is the best!! I was spinning my wheels for weeks trying to find my own coverage with affordable premiums. I was overwhelmed and confused; then I spoke to Heather! She found me exactly what I was looking for while I was on the phone with her! Heather has so much knowledge and patience and I would highly recommend using her! I am very grateful I gave her a call!!
Susan J
Jay has been a good friend for years but this is the first time I’ve used his insurance services as I am turning 65 soon and will start Medicare. I needed to learn all about the secondary coverage considering my circumstances. I am moving from California to Oregon and he was able to recommend what coverage would give me the most value for either state as I will be commuting back and forth several times during the year. Also I told him about my eye surgeon in Portland OR to be certain his services will be covered fully and he assures me they will. No question, he will help you too!
Molly O
Having done a lot of my own research in getting a supplement when starting on Medicare this year, Jay was able to coordinate all the missing pieces I had and get me a superb plan that covered all my wishes for a nice price.
He knows the business and can put your cares at ease. Looking forward to continued business.
JT
Jay is awesome and has always taken care of anyone I’ve referred his way including my uncle who lives in California. He thoroughly goes over any questions and answers the call when needed.
Rafael N.
Jay with Just Us Insurance is my go to for all insurance needs. He just redid my life insurance – cut my premium in half with the same coverage! Highly recommended!
Bill K.
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