About Us

Free services we provide:

We help you find and compare available Medicare/health insurance plans from major insurance carriers like Blue Shield, Anthem/Blue Cross, Kaiser, Health Net, Western Health Advantage, Sutter Health Plus, and others.
We will provide rate comparisons, detailed benefit summaries, search for doctors, and help you determine the most competitive options based on your objectives and budget.

For Medicare, we can help you understand the “parts,” costs, and enrollment timelines for Medicare parts A, B, C, and D. We can help you compare rates and benefits of Medicare “supplements” (Medigap), Medicare Advantage, and prescription drug plans from major carriers like AARP, United Healthcare, Blue Shield, Anthem/Blue Cross, Aetna, Humana, Cigna, Health Net, Sutter Advantage, WellCare, SilverScript, and others.

Our Medicare agency has been honored with the Soaring Eagle Top Producers award, a mark of excellence in the industry. We are also a member of the National Association of Benefits and Insurance Professionals, we are committed to providing top-tier service and expertise to our clients

For dental and vision plans we can provide rate and benefit comparisons from major providers like Delta Dental, Ameritas, Humana, and VSP vision plans. We can do provider searches to see if your providers are listed in the plan's preferred provider network.

Our services are available to you free of charge.

Call or email us for friendly personal assistance

Phone: 916-346-4417
Email: Tim@summitindins.com
Website: https://www.summitindins.com/
Facebook: https://www.facebook.com/SUMMITINDEPENDENTINSUR...
Twitter: https://twitter.com/SummitOptimal

How We Got Started

Established in 1985 with the central idea being that, "We work for you" by helping you find the most competitive insurance plans available based on your objectives and budget. There are no fees to use our services.

Products & Services
Medicare Supplement Plans  by Summit Independent Insurance
Tim Coughlin, the owner of Summit Independent Insurance Services, has specialized in Health & Medicare Plans for over 35 years. Medicare Supplement...
Prescription Drug Plans - Part D Plans  by Summit Independent Insurance
With extensive experience with Part D plans, we can shop your plan options to see what Part D plans offer the strongest and most competitive covera...
Medicare Advantage Plans  by Summit Independent Insurance
AHIP and Carrier certified for most top plans. When we shop your Medicare Advantage plan options, we do so by keeping your overall budget, prescrip...
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Recent Activity

Tim from Summit Independent Insurance Answered this on July 26, 2021
No, we do not charge for missed appointments. I think having an email or text reminder the day before helps minimize missed appointments.  (more) No, we do not charge for missed appointments. I think having an email or text reminder the day before helps minimize missed appointments. 

Tim from Summit Independent Insurance Answered this on June 28, 2021
I suggest reaching out to a licensed agent specializing in Medicare. Transitioning to Medicare can be very confusing with the different parts, plan options, and "gaps". It's also important to have an agent who can explain when you should apply for your Part B to start, as well as review your Part... (more) I suggest reaching out to a licensed agent specializing in Medicare. Transitioning to Medicare can be very confusing with the different parts, plan options, and "gaps". It's also important to have an agent who can explain when you should apply for your Part B to start, as well as review your Part D plan for the upcoming year. Another benefit to working with a good agent is that you develop a relationship with your agent for the years to come. You may not be able to reach a representative when you call your Medicare Supplement carrier's membership line, but you can trust you will be able to call and speak to your agent, and sometimes what we really need is to feel heard, seen, and valued. Your agent can research and call on your behalf sometimes, saving you time and stress. Your agent should also keep an eye out for you when it comes to general rate increases, other competitive plans, when to shop your options, and how to prep for the upcoming year during AEP.