Do you speak Martian? Get a health plan you can understand! Blue Shield of California offers affordable Health Plans that are easy and straight forword. APPLY HERE, APPLY NOW for your Blue Shield Health Plan or contact us at 877-670-7526 to learn more about the best Health Plan for you!
We are an Anthem Blue Cross Authorized Agent here at Cochrane Insurance & Annuity Services. Anthem Blue Cross is one of the most solid insurers in the health industry based on time in service, financial strength, and extensive provider network. Anthem Blue Cross can offer individual residents and small businesses in Sacramento a wide variety of health plans including some of the best Health Savings Account compatible plans on the market. Apply Directly With Anthem Blue Cross Here or see how they compare with the competition on our HOMEPAGE. Give us a call at 877-670-7526 or e-mail us at info@cochraneinsurance.com to find out which Blue Cross plan is best for you!
At Cochrane Insurance & Annuity Services one of the many health insurers we use includes Anthem Blue Cross. We choose Anthem Blue Cross as one of our carriers for a number of reasons. Anthem Blue Cross, formally Blue Cross of California, is a trusted, time tested insurer that has a large provider network and competitive rates. They offer a variety of plans to the people of Northern California and Southern California. At Cochrane Insurance & Annuity Services we can provide you with a great plan regardless of were you live. We are located in Yuba City just north of Sacramento along Highway 99 across the river from Marysville. We can provide you with detailed advice regarding the best health plan for you. Just call us at 877-670-7526 or e-mail us at info@CochraneInsurance.com. If you are the do-it-yourself type you can apply directly with Blue Cross by clicking “FREE ANTHEM BLUE CROSS QUOTE” or you can go to our HOME PAGE for a “FREE” health quote and comparison with some of the other insurers we use by clicking on the Individual Health Insurance box.
With all the emphasis that is placed on life planning, and planning for retirement, many people forget about or fail to plan for the possibility on needing Long Term Care. Many do not realize that 50% of all people over the age of 65 years will need Long Term Care at some point in time. Failing to plan for the possibility of needing Long Term Care can be devastating to a retirement portfolio. The average cost of Long Term Care in the state of California is nearly $80,000 per year and rising faster than inflation. It is estimated that this number will be greater than $200,000 per year by 2030. With the average nursing home stay of 2.4 years a person could lose a large part if not all of their retirement to the costs associated with Long Term Care. There are only a few options when it comes to paying for Long Term Care. These include your retirement portfolio (which we hope your wife or children aren’t depending on), your family, Medicaid or Long Term Care Insurance. We can help develop the best plan for you. Call Cochrane Insurance & Annuity Services at 877-670-7526 or visit one of our two websites, Cochrane Insurance & Annuity Services or Cochrane Long Term Care. Not only does our Staff include a Registered Nurse and a Financial Consultant but we have special training in Long Term Care Planning and have the training to market California Partnership for Long Term Care policies.
Quote your own plan and find out which plan is best for you in just a matter of minutes. Visit www.CochraneInsurance.comand get FREE quotes for Life Insurance, Health Insurance, and Medicare products. You can even design a quote for your small business in just a matter of minutes. Feel free to call us as well. We specialize in Health Savings Accounts and High-Deductible Health Plans and would be delighted to guide you into the best plan for you and your circumstances. We can also help you in any Long Term Care planning needs you may have or if you just have questions we can answer those as well. With a Financial Planner and a Registered Nurse on staff we feel we are among the most highly qualified to help you with these health related insurance plans. Please call us at 877-670-7526 or e-mail us at info@CochraneInsurance.com. We are based out of Yuba City which is located just north of Sacramento in Northern California.
At Cochrane Insurance & Annuity Services we offer to find you the best rates on term life insurance in Sacramento. We only use the top rated companies in the industry and shop around for the best plan for you and your loved ones for FREE! That’s right, we will analyse your life insurance needs and provide you with an honest quote at absolutely no cost to you. Give us a call at 530-671-7526 or e-mail us at info@CochraneInsurance.com. You can also feel free to quote yourself on the home page of this website. The application process is quick and simple, our paramedicals will even come to your house or worksite for your brief medical exam. We are located in Yuba City just north of Sacramento. We can provide you with Life Insurance regardless of your location in California.
Here are the annual costs in 2008 for various types of long term care in Sacramento, Ca according to a recent survey conducted by Genworth:
Private room in a Nursing Home: Greater than $92,000
Assisted Living Facility: Greater than $32,000
Licensed Home Health Aide: Greater than $48,000
These costs are rising greater than the rate of inflation and are projected to be greater than $200,000 per year by the year 2030. There are really only a few options to pay for long term care. One way is to dip into any retirement funds you may have saved over your lifetime. The other way is to have your family care for you and pay for your expenses. The most cost effective way and easiest option on your friends and loved ones is long term care insurance. To find out more about what long term care insurance is and how it fits into your financial plan call Cochrane Insurance & Annuity Services at 877-670-7526. We will be happy to assist you with your long term care plan.
The California Partnership for Long-Term Care is an innovative program of the State of California, Department of Health Care Services in cooperation with a select number of private insurance companies. These companies have agreed to offer high quality policies that must meet stringent requirements set by the Partnership and the State of California. These special policies are commonly called “Partnership policies”. Partnership policies take the guesswork out of ensuring you purchased a quality policy. In addition to many other consumer protection features, Partnership policies offer the special benefit of Medi-Cal Asset Protection.
The Department of Health Care Services oversees the California Partnership for Long-Term Care and is located in Sacramento, California. There mailing address is:
California Department of Health Care Services
California Partnership for Long-Term Care
Mail Stop 4100
P.O. Box 997413
Sacramento, CA 95899-7413
For further information about the partnership program you can contact them at:
(916) 552-8990 or e-mail them at cpltc@DHCS.ca.gov.
There website is www.dhs.ca.gov/cpltc/
You can also call Cochrane Insurance & Annuity Services at 877-670-7526 and we will be happy to assist you.
How does a person determine how much life insurance one needs. Well, there are many variables to consider. Sometimes simple calculations are used to determine Life insurance need using income and a certain number of years that would have been worked. Sometimes debt is played into the calculation. I normally ask a person, “What do you want your life insurance to do for you?” Things to consider would be replacement of loss of your income. Do you want life insurance to cover the cost of college should your children choose to go? Do you want your house to be paid off? Other debts? Where do you live? Sacramento? San Francisco? Los Angeles? Yuba City? Redding? How much does it cost to live there now? 30 years form now? Computing the amount of life insurance can be harder than one thinks when considering the rate of inflation and choosing the appropriate investment vehicle to use to make the money last. If you want a few analysis then call Cochrane Insurance & Annuity Services at 877-670-7526 or e-mail at info@cochraneinsurance.com. We will be happy to help you with any questions you may have. Insurance Quotes are free.
If you are looking for the best rates possible on Term Life Insurance from the best rated carriers call Cochrane Insurance & Annuity Services. We only Quote from A+ or higher rated Insurance carriers and can easily find the best insurance to meet your needs. You would be surprised at how inexpensive life insurance could be. To think that a person routinely spends more in a week on Starbucks coffee than they do to Insure their life and protect their family is crazy. If you live in Sacramento or any of the surrounding counties such as Sutter county, Yuba County, Placer county, Yolo county, Colusa county or even Butte county you are just a step away from Cochrane Insurance & Annuity Services. You have no idea how easy it is to get Life Insurance. Just give us a call at 877-670-PLAN or contact us at info@cochraneinsurance.com and we will get you started.
Cochrane Insurance & Annuity Services uses only the highest rated highest return Annuities on the market. If you are rolling over an IRA or a 401K plan and would like to have your money placed in a safe investment with a guaranteed rate of return then an Annuity may be a good option. Annuities are the only investment available that can guarantee a minimum rate of return and provide payments to a person for the rest of their life. Annuities are also a safe way to save for retirement on a tax deferred basis. If you live in Sacramento or anywhere else in California and would like to explore the possibility of investing in or converting an investment into an Annuity please contact Cochrane Insurance & Annuity Services at 877-670-PLAN or at info@cochraneinsurance.com.
It doesn’t matter if you live in Sacramento or in any other of the Sacramento’s surrounding areas, at Cochrane Insurance & Annuity Services you get the service and assistance you need in finding a Health Insurance plan that fits your needs. We can get you coverage from any of the main carriers whether it be the California Farm Bureau via Nationwide/Healthnet, Blue Cross, Blue Shield, Aetna or Kaiser. We will find the plan that suites your every need along with the best customer service available. Will will do a cost analysis to determine which health plan will be the most cost effective in both the best and worst case scenarios. If you want to know more about HSA compatible health plans or if you have never even heard of what an HSA compatible plan is, then you are certainly in the right place. Cochrane Insurance and Annuity Services specializes in HSA compatible Health care plans. This is a great way to effectively cover yourself through any of the major carriers and to at the same time have the ability to save money for your future health ot retirement needs completely TAX FREE. You can contact Cochrane Insurance & Annuity Services at 877-670-PLAN or at info@cochraneinsurance.com.
If you live in Sacramento or any of the surrounding areas and you need Life Insurance contact Cochrane Insurance & Annuity Services at info@cochraneinsurnace.com or call us at 877-670-PLAN. We find the best rates possible using only the highest rated Insurance companies available. We provide Term, Whole and Universal Life Insurance products to suite just about any Life Insurance need to include Buy-Sell agreements, Key Man policies, Estate Tax protection or just the basic protection needed to assure that your family will be taken care of such anything happen to you. We give free Quotes and consultation on any policy you may be looking for here at Cochrane Insurance and Annuity Services.
