Bett Martinez Insurance Solutions

Not sure what happened, I thought I had already written a review for Bett but I guess not. I just got a new job and had to either deal with Cobra (smh no) or pay for an individual plan while I wait for my probation to be over and my benefits kick in. As always I called Bett, actually I emailed her on a Saturday and by Sunday afternoon I had her response and the options I needed. I don’t want to make this a super long review, bottom line is I’ve gone through Bett to get health ins 3 separate times while in between jobs, got GREAT life ins coverage at an affordable rate, and set up a long term care policy through her as well. I trust that when she recommends a company/​policy/​plan it’s bc it matches my needs and what I’m looking for, not what’s best for her. I give her 5 stars!

I’m a freelancer and so my health insurance needs are always changing. Bett was highly recommended to me by my acupuncturist. That was a fortunate find because Bett has been an indispensable help, guiding me to find the best health insurance options for my ever-​changing needs.
The entire health insurance process is pretty frustrating and confusing, so I am grateful to have Bett as my agent because she not only promptly answers/​returns my calls and emails, but she is diligent and will call the insurance agencies to find out answers and application statuses. She makes these frustrating processes really easy.
Bett has helped me sign up for Blue Shield, Covered California, and just recently, Kaiser. She is always professional, courteous, and knowledgable. Bett will give it to you straight, and I always appreciate that in any person. And most importantly, she does this to help people. I’ll always trust Bett with any of my insurance needs.

I, too, want to sing Bett’s praises. I had to change health insurance carriers a couple of times in the past year. Bett helped on the front end and, more important, she saw the process through to its conclusion after I had assumed that it was a done deal. Bett truly knows the ins and outs of health insurance — no small feat in this day and age (and that was true even before the Affordable Care Act). Her persistence and tenacity have been invaluable to me on more than one occasion. If you want to have someone with you through every step of the process, work with Bett. It’s that simple.

Bett is an absolute angel! She is incredibly helpful and knowledgeable about all things pertaining to health insurance, and she is wonderfully warm and friendly as well. My husband and I are self-​employed musicians, and she helped us set up our insurance under the name of our business, cutting our fees almost completely in half. Every year we check back with her, and she makes sure we have the best and most affordable plan for us.

2 years ago, I lost my coverage for my then 15 year old daughter, who had dislocated her shoulder playing volleyball the year before. I tried to purchase insurance for her, at any price, but because of the shoulder, was completely unsuccessful. In a complete panic, I contacted Bett, who responded quickly and managed to, in a timely manner, get a policy for her that met our needs. It was a little expensive, but true to her word, a year later, she negotiated a tier reconsideration with the insurance company, which left us with a comprehensive, affordable policy. My daughter is now going off to college in another state, and Bett again helped me, by navigating their cumbersome and impossibly bureacratic process, enabling me to keep my policy and not risk being in another situation with a child with «pre-​existing conditions.» Call her, you won’t be sorry! My new name for her is «The Insurance Warrior.»

A previous reviewer here used the word «godsend» in a write-​up of Bett Martinez/​Insurance Solutions Inc. That is absolutely one right way of describing Bett. I would also add the word «miracle worker.» When it comes to health insurance coverage, I thought I was uninsurable due to pre-​existing conditions (who knew occasional «sleeplessness» was considered a pre-​existing condition?). No insurer would touch me. I won’t go into detail about all of my ordeals over the years seeking coverage as a self-​employed person, but suffice it to say that it’s been an absolute nightmare. I’ve faced denial after denial of coverage by health insurers. A year ago I finally gained a policy (albeit excessively expensive) that an insurer was legally required to offer me (through so-​called «guaranteed issue») after my COBRA expired from an old job. That insurer raised my premiums 26.4% earlier this year. On a friend’s referral I contacted Bett. I wasn’t optimistic that anyone could help, but Bett succeeded in not only finding a far more affordable individual plan but also an insurer that was willing to offer me any coverage at all. Moreover, when that insurer made an error on its premium quote during the application process and then attempted to charge me a higher rate, Bett convinced the company to honor its original lower rate quote. Bett works very, very hard on behalf of her clients. I can’t say enough good things about her. She’s simply wonderful.

five stars is no exaggeration here. I am self-​employed with pre-​existing conditions and had basically despaired about ever paying less than an arm and a leg for insurance. I tried researching on my own and didn’t get anywhere. I tried other agents and they gave me contradictory information or didn’t follow through. Bett was wonderful. She never gave up on me or the process and managed to get information that I have no idea how she has! She is truly amazing, and very effective.