Licensed Health Insurance Advisor
My career prior to health insurance was in the high-tech industry where I
worked for a Fortune 500 company. I was not inspired and did not feel I
was making a difference. My inspiration for health insurance and
working with the 65+ community started with my parents. Once they
turned 65, I remember how they struggled to decide what options were
best for them. Unfortunately, I was not in the industry at the time and
they made mistakes during the process. They felt helpless. Once I
became licensed, I was able to understand and help them correct those
issues and knew I could make a difference for many more people. Both
my parents are currently on different plans to meet each of their
individual needs. In addition to their main health coverage, I feel secure
knowing they are covered when they travel. I enjoy helping people and
as a health insurance agent working with Medicare recipients, I can
continue to help you understand your potential options. You worked all
your life to earn your benefits. Let me help you understand the best
solutions for your individual needs.
Meet Daniel and Maricela
Licensed Health Insurance Advisors
I started working in health insurance with a focus on medicare age clients in 2012 and have had the opportunity to work at various levels within the industry. My most recent position was with a large national insurance company as a Medicare broker manager working directly with agents to help them provide the best plan options to their clients. My experience and background led my wife and me to eventually start our own agency in 2017 so that we can provide the best level of service that our clients and members of the 65+ community deserve.
The most impactful moment of my life was prior to my career in health insurance. I watched my grandmother slowly deteriorate as her body and mind gave way to Arthritis, Alzheimer’s, and mini-strokes. Right before she passed, she had stopped talking and barely recognized many of our family members. This painful memory of watching a loved one slowly deteriorate, and the challenges families face navigating health benefits and resources drive me to provide my clients age 65+ and their families with the guidance and support to ensure that they have an advisor that is available year-round.
Before I became a licensed Health Insurance advisor, I worked for 15 years in several states linking people in various communities to financial, health, and other valuable resources. The experience of being an advocate and working for non-profit organizations has allowed me to maintain the same principles of advocacy for each and every one of my clients in healthcare. Providing a high level of attention to people that need guidance is a major part of my work ethic and has turned them into lifelong clients. I love it when my clients feel empowered and confident about their healthcare options. As an independent agent advisor, I am able to be much more of an advocate than if I was employed by the insurance company directly.
One of the biggest challenges for people working with health insurance agents is that many agents are inaccessible after enrollment. I have come across many of these clients and have rightfully earned their trust and confidence. They find the level of follow-up and advocacy that I provide refreshing. You are not alone when talking to the insurance company. I am your advocate. Let me work for you
My education includes a Master of Arts in Marriage Family Therapy with an Emphasis in Latino/a Families from Pacific Oaks College in California and a Bachelor of Art in Psychology from the University of California Santa Barbara.
Why Work with an Independent Advisor?
Peace of Mind
We will guide you through each step of the process. You are not alone. We do this for a living and take the stress of your plate.
After your plan starts, there are many moving parts: insurance carrier, doctors, billing, claims, etc. If things don't go right we are here to advocate on your behalf.
The right coverage not only means health security but also financial protection. We look at all the parts of your plan to ensure that your peace of mind and financial security goals are met.
We do all the work. We ask you about the things that are important to your healthcare needs, identify important doctors, and review your prescription drugs. We help simplify the process and narrow down all options to the few that really make the most sense for you. You make the final choice.
You never pay us, ever.
Our time and energy will never cost you a cent. Since we contract with most major carriers, when we help you find the right plan, they pay us. Once you are enrolled, we are your agent and advocate on your behalf, all at no cost you.
Unlike insurance concepts, we keep it simple. Do you really need more reasons to schedule your appointment today?
"I cannot begin to tell you the wonderful experiences I have had with Daniel Santos! He has been right there to help me through a number of crises and I am so grateful he’s on my team!"
— Martha Jensen