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John M. Caris
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John M. Caris
Independent Insurance Agent and Broker |
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John has been in the Life and Health insurance business for over 20 years. As an independent agent, he loves to help people get the best deal on their life and health insurance.
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Covered California
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John Caris is a Certified Insurance Agent for Covered CA, California's Health Insurance Exchange created by the Affordable Care Act. Premium Assistance Tax Credits are only available when a policy is purchased through the Exchange.
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Anthem Blue Cross |
Anthem Blue Cross is California's largest health insurance company. Their individual plans are affordable and available both on and off the Covered California exchange. Anthem offers both PPO and HMO dental plans.
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Blue Shield of California |
Blue Shield is California's 2nd largest health insurance company. Their individual plans are available both on and off the Covered California exchange. Blue Shield offers an EPO with a large number of doctors in-network. Blue Shield also offers both PPO and HMO dental plans.
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Kaiser Permanente |
Kaiser Permanente is a leading HMO that operates it's own hospitals and physicians. Their plans offer a good value despite their relatively small network. Kaiser plans include vision exams, but they do not offer their own dental plan. Plans are offered both on and off Covered California.
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Health Net |
Health Net offers HMO, PPO, and EPO networks. Smaller than other carriers in terms of subscribers, their physician networks are nonetheless adequate for most people. PLans are offered both on and off the Covered California exchange.
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Assurant Health |
Assurant is a smaller but established health insurance company operating in all 50 states for over 100 years. In California, they manage the Aetna Signature Network which is a robust network, arguably the best in California.
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Western Health Advantage |
Western Health Advantage is a Northern California regional HMO. Their network is smaller, but plan pricing is competitive. Plans are offered both on and off Covered California.
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