Business Details
36 Years
experience
Your Trusted Partner for Insurance Solutions in Lafayette, CA
Since 1990, Lee Health Insurance Services has delivered exceptional service and customer care to employers, individuals, families, and seniors. As pioneers in providing free instant online rate quotes since 1997, we have saved clients millions through expert guidance in health insurance and benefits. Our deep industry knowledge enables us to offer prudent, tailored solutions for affordable coverage, representing top carriers like Anthem Blue Cross and Kaiser Permanente. As independent brokers, we provide unbiased advice and one-stop shopping for on- and off-exchange plans, including Covered California, Medicare, and group solutions.Our commitment to transparency, no fees, and superior customer service is reflected in our A+ Better Business Bureau rating and 5-star Yelp reviews. With physical locations in Northern California and licenses across multiple states, we serve clients throughout California and western states. Our teams extensive experience, including leadership roles in national insurance associations, ensures clients receive expert, ethical guidance. We prioritize ongoing support, regulatory compliance, and innovative solutions like HSAs and self-funded plans to meet evolving needs.
Services
Health Insurance
Dental Plans
Medicare Plans
Group Plans
Travel Insurance
Details
- Year established: 1990
Highlights and features
- We offer free, instant online rate quotes since 1997
- Our team has over 30 years of combined industry experience
- We provide one-stop shopping for on and off-exchange plans
- A+ rating with Better Business Bureau and 5-star Yelp reviews
- Certified agents specialize in Medicare, Covered California, and group plans
Associations and certifications
- Better Business Bureau (BBB)
- Covered California
What people say
Awesome to work with
Best people
Responsive and professional
Saved us money
Patient and honest
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and businesses. Our services include Covered California exchange plans, off-exchange options, and tax-subsidized programs. With expertise in PPO, HMO, and HSA-compatible plans, we help clients navigate regulatory complexities while optimizing coverage and affordability. Our certified agents ensure personalized guidance for all medical insurance needs.
Medicare Plans
Specialized Medicare solutions including Supplement (Medigap), Advantage (Part C), and Prescription Drug (Part D) plans. We assist seniors in selecting optimal coverage that fills gaps in Original Medicare, with expert analysis of network providers, prescription coverage, and out-of-pocket costs. Our ongoing support ensures clients maintain appropriate coverage as needs evolve.
Group Plans
Customized group health insurance and employee benefits for small to mid-sized businesses. We offer SHOP exchange plans, self-funded options, and traditional employer-sponsored programs. Our services include regulatory compliance assistance, cost analysis, and HR support to help businesses attract talent while managing healthcare expenses effectively.
Dental Insurance
Comprehensive dental coverage solutions for individuals and families, including preventive care, major procedures, and orthodontic services. We provide access to extensive provider networks and flexible plan options that integrate with overall health insurance strategies, ensuring complete oral health protection at competitive rates.
Travel Insurance
International and domestic travel insurance plans for medical emergencies, evacuations, and trip disruptions. We offer policies from reputable carriers like HTH Worldwide and GeoBlue, featuring coverage for hospitalization, prescriptions, and acute pre-existing conditions. Our solutions cater to vacationers, students, business travelers, and expatriates with customizable protection options.
People
Philip Lee
Founder & President
Philip Lee founded Lee Health Insurance Services in 1990 after a successful corporate career. With a BA in Economics from Cornell and an MBA from UC Berkeley, he brings deep financial expertise to insurance solutions. Active in NAHU and CAHU, he combines industry leadership with personalized client service.
Christine Lee
Vice President
Christine Lee specializes in small business insurance solutions with over 15 years of experience. A former Bank of America Leasing VP, she holds a BA in English Literature from Catholic University. Her focus on employee benefits and group plans helps businesses optimize healthcare offerings while maintaining cost efficiency.
Questions
What health insurance options exist for small businesses?
We offer SHOP exchange plans, self-funded options, and traditional group coverage with carriers like Anthem Blue Cross. Our experts analyze your business needs to recommend cost-effective solutions that comply with regulations while meeting employee healthcare requirements.
How do I choose between HMO and PPO plans?
HMO plans require primary care physicians and referrals but have lower costs, while PPO plans offer broader networks and direct specialist access at higher premiums. Our agents help compare these options based on your medical needs and budget.
Are pre-existing conditions covered?
Under ACA regulations, all plans accept pre-existing conditions. We help clients understand coverage details and explore supplemental options like HSAs to manage related expenses effectively.
What Medicare Supplement plans do you offer?
We provide all standardized Medigap plans (A-N) from top-rated insurers. Our specialists explain plan benefits, network restrictions, and premium structures to help seniors choose coverage that complements Original Medicare.
How can I reduce health insurance costs?
We recommend HSA-compatible high-deductible plans for tax advantages, help qualify for subsidies through Covered California, and analyze alternative funding options for businesses to optimize healthcare spending efficiency.
Do you assist with insurance claims disputes?
Yes, our team provides ongoing support for claims resolution, policy interpretation, and appeals processes. We advocate for clients to ensure timely reimbursement and proper application of coverage terms.
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