Business Details
31 Years
experience
Your Trusted Health Insurance Partner in Fresno
Covered California Fresno has been a trusted health insurance agency in the Central Valley since 1995. Our founder, Mark Svetlik, began his career in 1985 with Farmers Insurance Group before establishing our independent agency to meet evolving healthcare needs post-Affordable Care Act. We specialize in guiding clients through enrollment, offering personalized support to help individuals and families select optimal health insurance plans from Covered California's marketplace. Our team of seasoned professionals combines deep healthcare system knowledge with localized expertise to ensure accessible, affordable coverage solutions.We prioritize transparency, continual support beyond enrollment, and alignment with regional healthcare resources to deliver stress-free experiences. With multilingual assistance and flexible enrollment optionsincluding in-person, online, and phone-based serviceswe remain committed to making quality healthcare accessible for all Californians.
Services
Health Insurance
Covered California Plans
Medi-Cal Enrollment
Financial Assistance
Open Enrollment
Special Enrollment
Dental Plans
Vision Coverage
PPO Plans
HMO Plans
Details
- Year established: 1995
Highlights and features
- We offer personalized guidance tailored to your unique insurance situation
- Our team provides continual support beyond enrollment assistance
- We ensure plan alignment with regional healthcare market needs
- We guarantee a smooth, stress-free enrollment process
- We offer multilingual assistance for diverse client needs
What people say
Personalized guidance
Multilingual support
Expert assistance
Stress-free process
Local expertise
Services
Health Insurance
We provide comprehensive health insurance solutions through Covered California's marketplace, offering access to essential health benefits and preventive care services. Our team helps clients navigate plan options including Bronze, Silver, Gold, and Platinum tiers with varying cost-sharing structures. We specialize in matching individuals, families, and small businesses with appropriate coverage based on specific healthcare needs and budgetary constraints.
Covered California Plans
Our agency offers all Covered California plan types including HMO, PPO, EPO, and catastrophic options. We provide detailed comparisons of premium costs, deductibles, and out-of-pocket expenses while explaining benefits like prescription drug coverage and specialist access. Our experts help clients understand tiered pricing structures and select plans that balance monthly costs with potential healthcare utilization.
Medi-Cal Enrollment
We assist low-income individuals and families with Medi-Cal enrollment, California's Medicaid program providing free or low-cost healthcare coverage. Our team evaluates eligibility based on income guidelines and helps applicants complete required documentation. We explain benefit packages including preventive care, hospital services, and prescription drug coverage available through the state's Medicaid program.
Financial Assistance
Our agency specializes in determining client eligibility for premium tax credits and cost-sharing reductions through Covered California. We analyze income levels relative to federal poverty guidelines and demonstrate how subsidies can lower monthly premiums and out-of-pocket expenses. We provide detailed explanations about income verification requirements and potential repayment obligations for advance premium tax credits.
Special Enrollment
We facilitate special enrollment periods for qualifying life events like marriage, childbirth, or job loss. Our team explains documentation requirements for changing coverage outside standard enrollment periods and helps clients understand effective dates for new coverage. We provide guidance on transitioning from employer-sponsored insurance to marketplace plans while maintaining continuous coverage.
People
Mark Svetlik
Founder
Mark Svetlik began his insurance career in 1985 with Farmers Insurance Group before establishing his independent agency in 1995. He has specialized in health insurance since the Affordable Care Act's implementation, focusing on California's marketplace solutions. His expertise spans plan comparisons, financial assistance optimization, and regulatory compliance within the state's healthcare system.
Questions
What health insurance plan types do you offer?
We offer all Covered California plan types including HMO, PPO, EPO, Bronze, Silver, Gold, Platinum, and catastrophic plans with varying cost-sharing structures.
How does financial assistance work for health insurance?
Financial assistance through Covered California includes premium tax credits based on income and family size, with eligibility up to 400% of federal poverty level.
Can I enroll in health insurance outside open enrollment?
Yes, qualifying life events like marriage, childbirth, or job loss allow special enrollment periods for health insurance changes outside standard periods.
What services are included in Covered California plans?
Plans cover essential health benefits including preventive care, hospitalization, prescription drugs, mental health services, and maternity care as mandated by ACA standards.
How do I determine household income for insurance purposes?
Household income calculations use modified adjusted gross income (MAGI) from tax returns, including all family members applying for coverage together.
Do you offer in-person enrollment assistance?
Yes, we provide face-to-face guidance at our Fresno enrollment center for personalized health insurance selection and application completion.
