Business Details
22 Years
experience
Your Trusted Insurance Partner in Placerville, CA
Since 2004, Robert Lenoil Insurance Agency has been a trusted insurance professional serving El Dorado County residents and businesses. Our focus on health, life, and disability insurance is rooted in a commitment to simplifying complex insurance needs through personalized solutions. With over two decades of experience, we operate as certified agents for Covered California, guiding clients through the Affordable Care Act with clarity and expertise.Our history includes transformative milestones, such as becoming independent brokers in 2018 to better serve homeowners in wildfire-prone areas. We prioritize jargon-free communication, ensuring clients understand their coverage options while emphasizing affordability and ethical practices. Our team combines technical precision with community dedication, reflected in leadership roles and recognition for office design excellence.
Services
Health Insurance
Life Insurance
Disability Insurance
Medicare Coverage
Dental Vision Plans
Details
- Year established: 2004
Highlights and features
- We have over 20 years of experience in health, life, and disability insurance.
- Our team includes certified agents with expertise in Covered California applications.
- We prioritize transparent, jargon-free explanations of insurance options.
- We focus on ethical recommendations aligned with client needs, not commissions.
- Our office provides year-round dental and vision coverage assistance.
Associations and certifications
- Covered California
What people say
Patient and understanding
Perfect insurance plan
Saved me cash
Timely thorough help
Community-focused service
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and employee groups. Our expertise includes navigating Covered California plans, Medicare options, and off-exchange policies. We help clients understand premium tax credits, cost-sharing reductions, and network limitations while focusing on affordable, personalized coverage that adapts to changing life circumstances and income levels.
Life Insurance
Our life insurance services include term and permanent policy options tailored to protect dependents, cover debts, or preserve estates. We guide clients through selecting appropriate coverage amounts, understanding policy features like cash value accumulation, and implementing strategies for business succession or special needs dependents. Our approach emphasizes long-term financial security over changing life stages.
Disability Insurance
We offer disability insurance solutions that replace income during work interruptions caused by illness or injury. Our policies feature customizable elimination periods, benefit durations, and inflation protection options. We emphasize the importance of coverage for both individual wage earners and business owners, explaining differences between own-occupation and any-occupation definitions to ensure appropriate protection.
Medicare Coverage
Our Medicare expertise includes original Medicare supplementation, Advantage plans, and prescription drug coverage. We help clients understand Part A/B basics, Medigap options, and enrollment timelines while explaining cost structures like deductibles and coinsurance. Our guidance addresses network limitations, foreign travel coverage, and coordination with other insurance products.
Dental Vision Plans
We provide year-round dental and vision coverage options that complement major medical insurance. Our plans address preventive care, corrective procedures, and emergency services with no waiting periods for qualified applicants. We explain benefit structures, network provider access, and cost advantages of bundling supplemental coverage with primary insurance policies.
People
Robert Lenoil
Owner
With a software engineering background from MIT and Silicon Valley experience, Robert transitioned to insurance in 2004. He combines technical analysis with community focus, serving on local leadership committees and applying engineering principles to risk management. His career spans technology and insurance sectors, emphasizing ethical client advocacy.
Nancy Lenoil
Owner
Former California State Archivist with 13 years of government service, Nancy brings institutional knowledge and administrative expertise. She supports operations while maintaining professional affiliations with historical and cultural organizations. Her background complements Robert's technical approach with public service perspective.
Questions
What insurance services do you offer?
We specialize in health, life, and disability insurance with expertise in Covered California plans, Medicare solutions, and business insurance products.
Are you certified to sell Covered California plans?
Yes, we've been certified Covered California agents since the program's 2013 launch and have helped over 1,000 families with enrollment.
Do you offer Medicare coverage options?
We provide comprehensive Medicare guidance including original Medicare supplementation, Advantage plans, prescription drug coverage, and enrollment strategies.
Can you help with disability insurance?
Yes, we explain disability policy components like elimination periods, benefit structures, and occupation definitions to ensure appropriate income protection.
What areas do you serve?
We primarily serve El Dorado County residents in Placerville, South Lake Tahoe, and surrounding communities.
Do you offer dental and vision coverage?
Yes, we provide standalone dental and vision plans available year-round without qualifying events.
