Business Details
Your Trusted Health Insurance Partner in Santa Cruz
Pozos Insurance Services has dedicated over two decades to helping individuals, families, and businesses navigate the complexities of health insurance. With expertise in the Affordable Care Act and Covered California, we guide clients through policy selection, enrollment, and ongoing support. Our team combines deep healthcare industry knowledge with personalized service to ensure clients find affordable, comprehensive coverage. We specialize in Medicare transitions, small group plans, and supplemental benefits like dental and vision.Bilingual support and free consultations underscore our commitment to accessible, client-centric solutions. As a Covered California Certified Insurance Agent, we prioritize education and transparency to empower informed decisions. Our local focus extends to Santa Cruz and the Monterey Bay Area, where we build lasting relationships through tailored insurance strategies.
Services
Health Insurance
Medicare Transition
Small Group Plans
Dental Coverage
Travel Insurance
Highlights and features
- We offer 20+ years of experience in health insurance and healthcare management.
- Our team includes a Covered California Certified Insurance Agent.
- We provide personalized, bilingual support for Santa Cruz and Monterey Bay clients.
- Our service is free with no additional cost for policy purchases.
- We specialize in Medicare transitions and small group plan optimization.
Associations and certifications
- Covered California
Services
Health Insurance
We help clients select affordable health insurance plans through Covered California and private insurers. Our expertise includes policy comparisons, subsidy eligibility assessments, and enrollment assistance for individuals, families, and small businesses. With deep knowledge of the Affordable Care Act, we ensure clients understand their options and secure coverage matching their healthcare needs and budget.
Medicare Transition
Specialized guidance for clients turning 65 or transitioning to Medicare. We explain enrollment timelines, supplement plan options, and prescription coverage choices. Our support includes navigating employer-sponsored insurance transitions and maximizing benefits while minimizing out-of-pocket costs through tailored Medicare Part A/B/D coordination.
Small Group Plans
Customized health insurance solutions for small businesses through Covered California's SHOP program. We help employers design cost-effective plans with flexible employee options while optimizing tax credits. Our service includes plan comparisons, compliance guidance, and ongoing support for payroll integration and employee onboarding.
Dental Coverage
Affordable dental insurance options for individuals and families, including preventive care, restorative treatments, and orthodontic coverage. We offer plans both inside and outside the Covered California marketplace, with network provider guidance to ensure access to quality local dental care services.
Travel Insurance
Comprehensive travel medical insurance for domestic and international trips through GeoBlue partnerships. We provide policies for single journeys, multi-trip needs, students, and long-term overseas workers. Our service includes coverage explanations for emergency medical evacuation, pre-existing conditions, and repatriation assistance.
People
Kathleen Brewer de Pozos
Certified Insurance Agent
With 20+ years in insurance and 40+ years in healthcare, Kathy specializes in Covered California plans and Medicare transitions. She holds dual licenses (0D49354) and combines policy expertise with bilingual support to serve Santa Cruz clients.
Randolfo R. Pozos
Insurance Agent
Randy brings 25+ years of insurance experience and 40+ years in healthcare management. Licensed (0A37551), he focuses on small business plans and policy design, leveraging industry relationships to connect clients with innovative coverage solutions.
Questions
How can you help with Covered California enrollment?
We guide clients through creating accounts, selecting plans, and designating agents on Covered California's website. Our free service ensures you understand subsidy eligibility and network provider options.
What Medicare transition support do you offer?
We explain enrollment timelines, supplement plan options, and prescription coverage choices. Our support includes navigating employer-sponsored insurance transitions and maximizing benefits while minimizing out-of-pocket costs.
Do you offer small business health insurance solutions?
Yes, we specialize in Covered California's SHOP program, helping employers design cost-effective plans with flexible employee options while optimizing tax credits and ensuring compliance.
Are dental plans available outside Covered California?
Yes, we offer standalone dental coverage through multiple insurers for clients seeking options beyond the Covered California marketplace, including network provider guidance.
What travel insurance options exist for international students?
We provide GeoBlue policies covering medical emergencies, pre-existing conditions, and repatriation for students studying abroad or coming to the U.S., with customizable duration options.
