Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Each company is unique, with it's own set of needs and requirements. As a result, we do not provide cookie cutter solutions.
We treat every client differently with the understanding that every employer has different needs! When it comes to insurance, we know that making the right choices for you and your family can be daunting. To help you make the right decision we take a commonsense approach - we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
We treat every client differently with the understanding that every employer has different needs! When it comes to insurance, we know that making the right choices for you and your family can be daunting. To help you make the right decision we take a commonsense approach - we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
Services
CHM is a leading multi-cultural health insurance agency that specializes in delivering superior service and value to ethnically diverse families, seniors and small to mid-size businesses. We act as your personal Health Insurance Doctor, to diagnose coverage gaps, recommend custom benefit solutions and provide unique value-added programs.
Health insurance is a critical to helping you control your health care costs. You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.
There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan's network.
Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB). Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Reviews (8)
Essam I.
Jun 26, 2020
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I am 61 Years young, recently lost my job coupled with loss of my health insurance coverage, CHM Insurance services did a fantastic professional job accommodating my needs for health insurance moreover guided me to the proper channels to obtained reasonable health insurance plan I can afford during this hard times of Covid-19 and within my budget.
Martha and her group treated me with compassion and respect understanding my current status and needs.
Job well done and I would highly recommend anyone in search for health insurance to contact them and get a VIP customer service.
Thank you all at CHM
Martha and her group treated me with compassion and respect understanding my current status and needs.
Job well done and I would highly recommend anyone in search for health insurance to contact them and get a VIP customer service.
Thank you all at CHM
Nadia J.
Mar 19, 2019
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All I can say is thank God for Martha Gonzales. She helped my mom tremendously when it came to advising her and helping her with Medicare .We can honestly say Martha saved my moms life. If it wasn't for Martha's help, my mom wouldn't have medical insurance and we would have most likely got her health diagnosis too late. Martha continues to go above and beyond any time my mom reaches out with questions. People like Martha make the world a better place
Deborah F.
Sep 25, 2018
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I Have to say that with Medicare/Insurance/Medicine problems today you need to RUN to Martha Gonzales at CHM Insurance Services!
She has been so unbelievably helpful to me with insurance issues and has put my mind at ease..... finally. She is the real deal and so very helpful and informed. Can't say enough about her professional ethic!
Anyone who needs help with Medical Insurance should contact Martha at CHM Insurance. The BEST.
She has been so unbelievably helpful to me with insurance issues and has put my mind at ease..... finally. She is the real deal and so very helpful and informed. Can't say enough about her professional ethic!
Anyone who needs help with Medical Insurance should contact Martha at CHM Insurance. The BEST.
Rex S.
Dec 16, 2017
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Contacted Martha Gonzales at CHM to inquire about purchasing health plan for my son, whose Blue Cross was terminated and no longer offered in Californias market. Martha got his info and looked to see what plans his current doctors would take. After finding that info, she selected and made a suggestion for the appropriate plan for him including cost. I too had searched that plan and was in full agreement. Martha was thorough, informative and very efficient in her approach to providing her services. Martha is very knowledgeable about insurance and its policies and I will confide in her next
Mary T.
Jul 28, 2017
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I had to resign unexpectedly due to my husbands poor health. Our employer provided insurance was coming to an end. Met Martha Gonzales at a seminar. She answered a lot of questions. She came to our home and got my both of us set up with health insurance we are very happy with. Everything Martha described has happened exactly as she said it would. No unpleasant surprises. I was completely lost and stressed out and Martha calmly, professionally and compassionately directed us to exactly what we needed.
Theresa A.
Feb 06, 2016
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My husband and I meant Martha Gonzales at a seminar last year in 2015 that she was speaking at about transitioning to Medicare with a supplemental insurance. We found her very informative and sincere. My husband was turning 65 and we weren't sure how to go about finding a supplemental for him.
We set up an appointment with Martha, which she came to our home, and from then on we have been extremely happy with her and her staff.
This year I'm turning 65 and will be seeing Martha for my own transition into the Medicare system with a supplemental health insurance.
Thank you Martha and
We set up an appointment with Martha, which she came to our home, and from then on we have been extremely happy with her and her staff.
This year I'm turning 65 and will be seeing Martha for my own transition into the Medicare system with a supplemental health insurance.
Thank you Martha and
Amy P.
Nov 24, 2015
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Carlos D.
Oct 30, 2013
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I've been working with Martha and Gilbert for several years now and I'm extremely happy with there service. Martha is extremely knowledgeable about insurance policies and you can tell she keep current with the changes. CHM has alway review my circumstance, needs and budgets to help me compare the different options that best fits me.
