Allpointe Insurance Services

Brad has been a lifesaver for me and my family. The insurance industry is one of the trickiest and dirtiest industries out there. It is intentionally made confusing and hard to navigate. Before Obamacare it was incredibly risky because you could pay your whole life, and then actually have an accident or medical issue arise and and find out their was some loophole the insurance could use to get out of paying. Now thankfully we have a little more protection, but it is still very easy to under/​over insure yourself. Brad has walked me through the best options each year, answered all my questions as my life and needs change and has taken the stress out of this process. I am thankful for him every day, and just hope that the economy can continue to support *good* insurance agents like him, because I would feel lost without him! Thank you!!!

Brad was awesome helping my husband and I get health insurance. He found us a great plan and also recommended an additional plan. Knows a lot about health insurance and great followup!
Dan McLean

Brad helped our family transition from our Blue Shield plan which was being phased out in the San Francisco area. He provided excellent advice and a great explanation of our options and we are quite happy with our plan. Brad and his team provide excellent service and we have always received a rapid comprehensive response to our questions [which are many given all the confusing aspects of insurance coverage these days]. If you want to reevaluate your health insurance plan, call Allpointe Insurance and ask to speak with Brad!

I worked with Brad before the boondoggle of the ACA and Covered California; he helped me find a good plan then, and he helped me find the least crappy plan this year (they are all crappy now). He also had some good money-​saving advice that requires a minimum of hoop-​jumping. If you’re trying to make your way through this maze, Brad’s your guide.

With another year of Obamacare, it’s time for another 5-​star review for Brad. Our current carrier left the California marketplace, and Brad helped our family figure out the best plan for us. He really helped in determining risk and selecting a plan. I can’t thank Brad enough for the sense of assurance he brings to a difficult process. Thank you, Brad!

I do not write reviews for Unilocal often. That’s to say that it takes above and beyond service/​relationship/​experience for me to make the effort to do so.
My husband and I were both self employed when we reached out to Brad for help in choosing our health insurance. That year we were also planning on a pregnancy and wanted to make sure we had the kind of coverage that would support that medical experience. Not only was Brad responsive he took the time to really understand our needs and our budget and made excellent recommendations for our insurance. He really held the process through to the end: He made it turn key and easy, he kept us updated on our applications, he answered all of our little and big questions along the way and made us feel like we were his only client.
But, the gem of this whole story is that we had a nightmare of a situation with Blue Shield when we tried to cancel our old plans for these new plans. Even though they were not our agent when we purchased those plans they helped us unravel, solve and get our money back from Blue Shield who was refusing to help us after months and hours on the phone. If they didn’t help us we would be out almost $ 1000 in money owed to us.
They are a stellar team, good people and excellent at what they do.
I will never buy insurance without an agent again and I will use Brad as long as he’s doing this work.

Allpointe has provided truly fantastic service, first when I was seeking covered pre-​ACA, and then making the transition to coverage under Obamacare. Such pros.

Bradley and Madhu are amazing! Bradley gave great pointers as to pros and cons of the different insurance companies and which would best fit my needs. They are patient, efficient, and have answered all my requests in a timely manner. I get the feeling they really care about their work and are there to help in whatever way they can. The best part is that when I was having challenges with getting reimbursement, they went to bat for me. Due to their diligence and persistence I have received over $ 600 in reimbursement to date. The medical companies are such a pain to deal with directly that it’s sheer folly to go it alone without the help of an agent. These guys are the best. Truly, I would give them 100 stars if I could. Thanks!

I will try to keep this short. Bradley is amazing! I never knew an insurance agent could be so honest, helpful, and knowledgeable. I am beyond impressed with his services and the advice he gives. Bradley really goes out of his way to help you understand how insurance works and what you are getting. Thank you Bradley. I feel very lucky to have found you!

Well I got to say Bradley and his team were great. This health insurance stuff is tricky and if you don’t ask the right questions then you are not always getting the right advice. We had a change of circumstance thus had to get our own insurance and my partner had a major health thing a few years back so we needed to stay w her same doctor’s. The Dr were not even really sure who they were w under healthy CA that part was a mess but BV and his team worked it out for us and explained all of our options in great detail. I prefer to meet w people face to face but BV does his work over email and phone and it actually was fine working that way. This is the place to go when dealing w health insurance and FYI their quotes were actually lower as I checked w 4 other brokers.

I met Brad Vaccaro of Allpointe by chance at a community meeting at which he was presenting a summary of health care options in the new Universal Health Care system. I needed to purchase health insurance on my own for the first time ever (I had always had it through an employer), and on top of that I was in a year of financial transition, having just moved, and was in the process of stabilizing my income. This made projecting my income for a health insurance application difficult, as well as finding an affordable option, and I was feeling pretty pessimistic about the whole process. I hadn’t realized until that point that I could work with an insurance broker for free (apparently there is built-​in financing for «free advice» with our new, more-​challenging-​to-​navigate health care system). I was a little skeptical but found Brad to be friendly and approachable. I was concerned that the fact that I wanted to spend as little money as possible — including considering not purchasing insurance at all — might be a reason that he would not want to work with me, but he was understanding and willing to consider the full range of financial options with me. In advising me, Brad was most concerned about best fit for my needs, and that was the best part about working with him. He was also knowledgeable and responsive and spent a significant amount of time talking with me on the phone and responding to many questions in many emails.
Since I started working with Brad in late 2013, Brad suggested on a range of options that included a few stall tactics in which I could delay the purchase of insurance until a few months into 2014. Based on his advise I was able to find extremely low-​cost, mostly-​local coverage through February 2014 and delay purchase of a plan until March 2014. At this point I had a few more facts about my income and what I could afford. I was so grateful for this advice and I don’t think I would have been aware of all the options for my situation on my own. Overall, working with Brad was an extremely positive experience.

If you’re a sole proprietor, Brad Vaccaro of Allpointe is the Insurance Agent for you. Not only does he know the ins and outs of different plans and policies, he’s also generous with his time, and friendly in his demeanor. Highly recommend!

I can’t say enough wonderful words about Allpointe — Brad Vaccaro and Carla Arriola. Last year I moved back to the Bay Area after being covered for many years by universal health care abroad. In confused panic while trying to navigate my options Carla warmly and professionally assisted me. Following that, insurance Guru Brad gave me INCREDIBLY useful resources form his blog in addition to a call. They returned my initial inquiry within hours, found me an excellent plan and there was an open offer to call or email with any questions.
You can’t go wrong here. I would refer any and all friends and family!

I have to add to the chorus here. I HIGHLY recommend Allpointe. It has been so incredibly helpful and calming to know that I have Brad’s help navigating the confusing and important process of choosing an insurance plan that’s best for me. He is very responsive and always gives me his honest opinion. It has been particularly helpful given the confusion and turmoil surrounding healthcare at this period in time…

Allpointe is a fantastic company. I work with a start-​up in San Francisco, and Allpointe has been with us since we were a tiny company. Whenever we’ve had questions about our benefits plan, or just health insurance in general, Bradley Vaccaro and his team have been prompt and helpful. Whether it was when we lost a health insurance card, we needed a declaration page form our insurance provider for an international trip, or when we had questions about switching insurance plan, Allpointe has held our hand every step of the way. They were even helpful in notifying us about changes in healthcare legislation. Hands down, Allpointe is the best bang for your buck when it comes to a health insurance provider.

I’m a very happy Allpointe customer.
In 2011, I tried purchasing health and dental insurance for my business directly from an insurance company, and that was about as fun as dousing myself with gasoline and jumping into a raging fire. So I called up Allpointe and spoke with Bradley Vacarro. He did a great job of assessing the needs of my business, help me to select a plan, and made the decision to purchase insurance through Allpointe an easy one.
More recently I has questions about the newer health plans available through Obamacare. I spoke with Bradley again, and asked him a bunch questions to which he had all of the answers. It’s really nice working with an insurance agent who knows his stuff!
Rock on Allpointe Insurance Services.

Brad Vaccaro and his company are great. Highly recommended! He’s smart, patient and knows the health insurance biz. We have used him in the past and plan to again next year when we readjust our plans. Established, experienced, and easy to work with.

Brad Vaccaro is extremely well-​informed about health insurance options. He helped me choose and set up a program for my new small business. I am extremely satisfied that I both understand my options now and in the future, and also currently have the best possible deal. Brad is an excellent communicator and clearly knows how to handle all the operational details we needed to be on top of in order to navigate the very tricky waters of the health insurance world. I recommend Brad without hesitation to anyone who has health insurance needs.

Brad just helped to navigate me through getting (new and improved) medical coverage. He is friendly, competent, and reliable. I would recommend him to anyone and will definitely go to him for all my future needs.

I met Brad a few years ago when I worked as the benefits administrator for a small software company. I was immediately impressed by his «realness». I felt like he totally understood our needs and often anticipated needs even before we could fully articulate them. He is very responsive and resourceful, and I always felt it was his genuine mission to help us find the best solution for our company’s needs. He never tried to steer us in one direction or the other for personal gain.
As others reviewers have mentioned, he is paid broker fees by insurance companies. You do not pay anything extra to use his service, but save a lot of time and hassle. He can cut through red tape, and is very knowledgeable about all the options out there.
Brad helped me implement a comprehensive insurance plan for our staff of 23, giving us multiple health plans to choose from, plus dental and vision. He came in and met with employees to explain plan options in more detail and even created a benefits at a glance grid incorporating all the plan options (saving me hours of effort and headache doing this myself.)
A few months down the line we added more employees out of state, and he helped me talk them all through the insurance forms and plans via on-​line conferencing.
Whenever an employee had a coverage issue, or we needed extra support working through some glitch with a carrier, Brad was always available to advocate on our behalf and help resolve things.
When our company (sadly) went out of business recently, Brad helped me find an individual plan for myself and my family. When some of my former co-​workers started up a new business, they told me they used Brad and he has been (not surprisingly) a pleasure to work with. I have referred many friends and colleagues to him, and will continue to do so.