About Us
I provide easy, fast access to affordable health (small group, individual, CoveredCA, lower-cost health-sharing plans) and Medicare plans throughout California. I also help you find the best value in long-term care, life insurance, and health matching accounts that double in value in 35 months.
Check out my Yelp reviews: https://www.yelp.com/biz/johnsen-insurance-solu...
Website: http://JohnsenInsuranceSolutions.com
Clear - Honest - Patient. Always.
How We Got Started
I'm focused on helping small businesses offer benefits, enabling individuals to save money on high-quality health plans, and to simplify the navigation of transitioning to Medicare.
The products and services we offer
Recommendations Received (160)
"He has much experience and is a wealth of knowledge."
"I highly recommend Dale and Johnson Insurance Solutions. He specializes in Medicare options for..."
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"I highly recommend Dale and Johnson Insurance Solutions. He specializes in Medicare options for anyone turning 65 or retiring, and he also provides health plans for individuals and small groups, and he is the best at what he does."
Products & Services
If you're 65+ and want to review your health plan, let's talk. Let me help you find the best Advantage plans or Supplements at the lowest cost. Ser...
You can renew your current health plan in October, or change it (in November) for 2018. Save time and money by using my no-cost service. Check out ...
Just for fun and inspiration -- I've compiled 5200 of the best quotes ever in one place. Get TERRIFIC TWEETS at https://www.amazon.com/Terr......
Recommendations Given (60)
"Awesome fun awaiting you for hiring this DJ!"
"When you need a notary, you can't beat Sandra Vista's service!"
Recent Activity
YES, premiums will definitely rise faster than usual for 2021 due to extra COVID19 costs. However, for people with mid-incomes, subsidies from CoveredCA will also go up as income goes down - leaving the government to pay a larger share. For higher incomes, it will be essential to explore non-ACA...
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YES, premiums will definitely rise faster than usual for 2021 due to extra COVID19 costs. However, for people with mid-incomes, subsidies from CoveredCA will also go up as income goes down - leaving the government to pay a larger share. For higher incomes, it will be essential to explore non-ACA alternatives to cut costs and still keep excellent healthcare. Use links below to learn more:
Health Insurance info http://health.johnseninsurancesolutions.com/
Altrua info http://altrua.johnseninsurancesolutions.com/
Medicare info http://medicare.johnseninsurancesolutions.com/
Open Enrollment for CovCA plans (with subsidies based on income) is open for seven more days. If your income is high enough to NOT qualify for subsidy, there are healthsharing plans that comply with the law and keep you from getting a 2.5% tax penalty. Email me for...
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Open Enrollment for CovCA plans (with subsidies based on income) is open for seven more days. If your income is high enough to NOT qualify for subsidy, there are healthsharing plans that comply with the law and keep you from getting a 2.5% tax penalty. Email me for information:
dmjohnsen@gmail.com
or text 818-620-8171
Yes - healthsharing plans are totally legit. They cost much less than fully insured plans that are not subsidized. But people must understand the limitations. I think Altrua is a great option for people without pre-existing conditions who don't need maternity...
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Yes - healthsharing plans are totally legit. They cost much less than fully insured plans that are not subsidized. But people must understand the limitations. I think Altrua is a great option for people without pre-existing conditions who don't need maternity coverage.
http://www.1enrollment.com/index.cfm?id=360368
Assuming people are fairly healthy, there is a new health-sharing option that includes a much larger network of doctors through the FirstHealth PPO network. Altrua is a leading health-sharing plan that gives access to the two largest PPO networks in the nation - PHCS Multiplan PPO and...
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Assuming people are fairly healthy, there is a new health-sharing option that includes a much larger network of doctors through the FirstHealth PPO network. Altrua is a leading health-sharing plan that gives access to the two largest PPO networks in the nation - PHCS Multiplan PPO and FirstHealth PPO. Those using this plan are exempt from the 2.5% tax penalty - and benefits can be tailored to one's particular needs and budget. Unlike the more expensive plans, it does take into account pre-existing conditions - so I would recommend this only to people who are relatively healthy, without any chronic illness conditions. For example, this plan excludes people who've had cancer, who use tobacco, or who are currently pregnant. The health benefits from Altrua come in modules so you can adjust benefits to match your needs. The first module allows for unlimited doctor visits, free preventative care, etc. The USA Well Premium plan is a fully insured plan and does cover pre-existing conditions starting day one. Obviously, this is where the vast majority of your everyday medical needs will be met. The cost for this Well Premium plan for TWO persons is $290/month. This provides "day one" coverage with no deductible: unlimited primary care visits with a $35 copay, specialist or urgent care visits with a $75 copay, X-rays at $50, MRIs at $500, etc. I'm attaching provider directories for FirstHealth PPO. This module doesn't cover hospitalization and surgery, however, which is where the second module comes in. The second module called Select Silver 2750 covers catastrophic costs with only a $2750 deductible for hospital and surgical costs -- which is much less than a standard plan's $7,800 out of pocket risk. It is important to understand there are some limitations with this plan when compared to major medical coverage. For example, this health-sharing plan provides up to a $1,000,000 benefit, whereas the standard ACA plans are unlimited. There are also some limitations and waiting periods for pre-existing conditions, so I encourage you to look at the pdf below at your convenience. Based on what you've told me, I don’t think this will be an issue for you. The Select Silver plan will cover the cost of any catastrophic needs that relate to hospitalization and surgery at a much more affordable cost. For two persons in their early 60s, this second module only costs $485/month - and it covers up to $1,000,000 each. This functions under Multiplan PPO which includes Los Robles, Cedar-Sinai, UCLA Hospitals.
[A third module called Lifetime Plus raises your coverage from $1,000,000 to $3,000,000 for $90/month more. Many people experience greater peace of mind having this higher amount (though it is optional). It functions like an "umbrella policy" to increase coverage from $1M to $3M.] The the two module package will be $780 per month - giving you Silver level PPO benefits at much less than the cost of a Bronze plan - and saving you several thousands a year in premiums compared to a BS PPO plan.
I know that for some, to make a move from your current "fully insured" plan to a "health-sharing plan" may seem unsettling at first, so it's important to read the fine print to understand what is NOT covered so there are no surprises. It's also crucial to find out which of your doctors are contracted with the FirstHealth PPO network. For more: https://www.firsthealthlbp.com/LocateProvider/SelectNetworkType
To enroll:
http://www.1enrollment.com/index.cfm?id=360368
Copycats are always poor imitators, mere knock-offs, and most people will recognize their lack of creativity. My advice is to keep generating fresh ideas and stay positive in the face of unfairness. Request Yelp reviews from your happiest clients -- and let them be the ones to say "don't be...
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Copycats are always poor imitators, mere knock-offs, and most people will recognize their lack of creativity. My advice is to keep generating fresh ideas and stay positive in the face of unfairness. Request Yelp reviews from your happiest clients -- and let them be the ones to say "don't be fooled" by the fake competition. Stay true to your values and you'll prosper!
- Dale Johnsen, Johnsen Insurance Solutions, Westlake Village, CA
Gender, date of birth, and drivers' license are all required info.... and males tend to drive more recklessly in earlier years, so there is a statistical reason for it.
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Gender, date of birth, and drivers' license are all required info.... and males tend to drive more recklessly in earlier years, so there is a statistical reason for it.
I entered the world of serving people as a "health insurance broker" at the time that Obamacare was just getting started. Confusion was rampant. People were upset and weren't able to navigate the new rules. So by answering their questions clearly, honestly and patiently -- I instantly became a...
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I entered the world of serving people as a "health insurance broker" at the time that Obamacare was just getting started. Confusion was rampant. People were upset and weren't able to navigate the new rules. So by answering their questions clearly, honestly and patiently -- I instantly became a hero. My business boomed in only a few short years. My advice: persevere boldly through all the rejection you'll receive. But to reduce the negativity, don't be a salesman; be an educator. Help people solve the problem they are trying to solved and make it simple and affordable. Then you'll succeed!
The answer totally depends on your age, zip code, adjusted gross income, and what level of plan you choose (Bronze-Silver-Gold-Platinum). If your taxable income is between 138%-400% you'll receive a subsidy to help pay the premium. Text or email me your situation and I'll send over free quotes...
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The answer totally depends on your age, zip code, adjusted gross income, and what level of plan you choose (Bronze-Silver-Gold-Platinum). If your taxable income is between 138%-400% you'll receive a subsidy to help pay the premium. Text or email me your situation and I'll send over free quotes for California residents. 818-620-8171 or dmjohnsen@gmail.com
In my industry, there are no discounts. Insurance companies set pricing. The difference in brokers is how fast, clear and effective is your customer service.
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In my industry, there are no discounts. Insurance companies set pricing. The difference in brokers is how fast, clear and effective is your customer service.
Price is king only in the absence of value. How important (value) do you place on trustworthy and fast customer service? Is that worth a few cents more?
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Price is king only in the absence of value. How important (value) do you place on trustworthy and fast customer service? Is that worth a few cents more?
