Business Details
Your Trusted Insurance Partner in Novato, CA
Only HealthInsurance, operating as Dougherty Health Insurance Sales, LLC, has served individuals and families in California for over 35 years. Our three-generation family business specializes in private health insurance, Medicare supplements, dental plans, vision coverage, and travel insurance. We prioritize personalized service, assessing each client's unique circumstances to provide honest recommendations and comprehensive solutions. Our team remains accessible via phone and email, offering expertise in the latest insurance trends and web-based tools to simplify enrollment.With a reputation built on trust and reliability, we collaborate with employee benefit specialists, financial planners, and other brokers to deliver tailored guidance for complex cases. Our commitment to transparency and education ensures clients understand their coverage options and make informed decisions aligned with their future needs.
Services
Health Insurance
Medicare Supplements
Dental Plans
Travel Insurance
Vision Coverage
Highlights and features
- We offer 30+ years of expertise in health, Medicare, and travel insurance markets.
- Our team provides free consultations and personalized coverage assessments.
- Third-generation family agency with deep local and industry knowledge.
- We partner with leading carriers like Delta Dental, VSP, and GeoBlue.
- Our staff includes certified experts with specialized knowledge in niche markets.
What people say
Fast and easy
Knowledgeable and professional
Saved the day
Unparalleled service
Godsend during changes
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families in California. Our experts analyze your medical needs and budget to recommend plans from private exchanges or public marketplaces. With 30+ years of experience, we simplify enrollment processes and ensure compliance with evolving regulations. Our service includes free consultations and personalized comparisons of coverage options.
Medicare Supplements
Our Medicare supplement insurance helps bridge gaps in federal coverage. We guide clients through Part A, B, C, and D options while explaining prescription drug programs. The team provides government resource referrals and clarifies enrollment timelines. Clients benefit from our deep expertise in optimizing supplemental coverage for long-term healthcare needs.
Dental Plans
We offer Delta Dental PPO plans with access to 85% of California dentists. Choose annual benefit maximums of $1,500, $2,000, or $3,000. Our plans feature efficient claims processing and discounted rates across the largest dental network. Enrollment occurs through our secure online portal with effective dates starting the first of each month.
Travel Insurance
GeoBlue travel insurance protects California residents during international trips. We offer single/multi-trip plans covering medical emergencies, evacuations, and pre-existing conditions. Policies include mobile tools for locating healthcare providers worldwide. Our team assists with plan selection based on travel frequency and destination-specific risks.
Vision Coverage
VSP vision insurance plans provide access to comprehensive eye care services. Coverage includes routine exams, prescription eyewear, and specialized treatments. We help clients navigate plan options with leading vision care providers, ensuring affordable access to quality eye health services across California.
People
Phil Dougherty
Owner President
Phil leads individual/family health insurance and Medicare markets with 30+ years experience. Second-generation agent who expanded the family business into a top California agency. Former ITG Worldwide founder specializes in travel insurance solutions.
Patricia Dougherty
General Manager
Third-generation team member with NYU Latin honors. Focuses on improving client experience through technical innovations. Leverages international travel expertise to enhance travel insurance offerings. Joined agency in 2021 to continue family legacy.
Lois Whitley
Senior Administrative Assistant
40+ years health insurance experience with Medicare and small group expertise. Sales assistant who builds strong client and carrier relationships. Specializes in resolving complex claims issues through direct carrier communication.
Questions
What insurance products do you specialize in?
We specialize in health insurance, Medicare supplements, dental plans, vision coverage, and travel insurance for California residents.
Do you offer free consultations?
Yes, we provide free consultations to assess your needs and recommend appropriate coverage options.
Can you help with CoveredCA applications?
While we focus on private exchange plans, we can refer you to qualified brokers for CoveredCA assistance if needed.
What carriers do you work with?
We partner with leading carriers like Delta Dental, VSP for vision, and GeoBlue for travel insurance.
