Business Details
Emergency
services
Your Trusted Partner for Comprehensive Insurance Solutions
Santa Barbara Health Insurance, founded by Steve Byrd and Rob Cavaness, offers tailored insurance solutions with over 50 years of combined industry experience. Specializing in small group health plans, Medicare supplements, life insurance, and international coverage, the company prioritizes personalized service and comprehensive benefits. Their approach emphasizes transparency, client education, and proactive support for businesses and individuals. With deep roots in Santa Barbara, they focus on building long-term relationships through reliable guidance and adaptive strategies. Their expertise spans navigating complex insurance landscapes, optimizing cost-effective plans, and ensuring clients receive maximum value.The team remains directly involved in all client interactions, from policy initiation to ongoing support. Their commitment to excellence is reflected in their track record of client retention and referrals. They serve diverse needs, including small businesses, families, and individuals seeking coverage outside employer plans. By partnering with leading insurers, they deliver trusted solutions aligned with evolving regulatory standards. Their mission centers on empowering clients with informed choices and unwavering advocacy.
Services
Small Group Health Insurance
Medicare Supplements
Life Insurance
International Health Insurance
Long-Term Care Insurance
Individual/Family Health Insurance
Health Savings Account Strategies
Disability Insurance
Employee Benefits Consulting
Prescription Drug Coverage
Highlights and features
- We offer over 50 years of combined insurance expertise with personalized service.
- Our team specializes in navigating complex insurance landscapes for optimal coverage.
- We provide tailored solutions for small businesses, families, and individuals.
- Our local market knowledge ensures plans aligned with Santa Barbara's unique needs.
- Direct involvement in all client interactions guarantees consistent, high-quality support.
What people say
Exceptional service
Cost savings
Responsive communication
Expertise in complex solutions
Long-term trust
Services
Small Group Health Insurance
Small group health insurance helps businesses attract talent with competitive benefits. We assist companies with 2-100 employees in selecting cost-effective plans covering medical, dental, and vision needs. Our support includes enrollment, claims resolution, and annual renewal optimization to ensure ongoing alignment with workforce requirements.
Medicare Supplements
Medicare Supplement plans bridge coverage gaps in Original Medicare Parts A and B. We help clients choose policies that cover deductibles, co-insurance, and extended care costs. Our expertise ensures clients understand enrollment timelines and coordinate prescription drug coverage through separate Part D plans.
International Health Insurance
International health insurance provides worldwide protection for travelers and expatriates. Partnering with GeoBlue, we offer 24/7 assistance, English-speaking providers, and emergency medical evacuation services. Policies ensure seamless coverage for unexpected illnesses or accidents outside the United States.
Long-Term Care Insurance
Long-term care insurance covers home healthcare, assisted living, and nursing facility expenses. We explain hybrid policy options combining life insurance with care benefits. Our guidance helps clients preserve assets while securing quality care solutions for future needs.
Life Insurance
Life insurance safeguards dependents with tax-free death benefits. We offer term and permanent policies tailored to income replacement, debt protection, and estate planning needs. Our process compares top-rated carriers to find affordable, long-term coverage solutions.
People
Steve Byrd
Co-Founder
Steve Byrd, a UCSB graduate with 35+ years in insurance, specializes in employee benefits and life insurance. He holds industry awards like the Million Dollar Roundtable and prioritizes client relationships over sales metrics.
Rob Cavaness
Co-Founder
Rob Cavaness brings 18+ years of insurance expertise, focusing on small business solutions and Medicare planning. A UC Santa Barbara alumnus, he emphasizes clear communication and personalized service for clients navigating complex coverage options.
Questions
Does Santa Barbara Health Insurance charge service fees?
No, our services are free to consumers. Insurance companies pay our commissions, ensuring no additional costs for clients.
Can I get the same insurance prices directly from providers?
Yes, premiums remain identical whether purchased through us, other agents, or directly from insurers.
Am I obligated to buy after applying?
No, you may cancel applications at any time during underwriting without commitment.
Do you offer health savings account options?
Yes, we help transition clients to HSA-compatible plans for tax-advantaged healthcare spending.
