Insurance agency in California
Health insurance across California. Business insurance in many states.
Licensed in California since 1998 · CA License #0D83407 · We speak Russian · Free consultation
Deadlines, penalties, three Medicare options, drugs and help with costs. In plain words.
Medi-Cal, Covered California, clinics and help with hospital bills. In plain words.
Free. We are licensed insurance agents in California.
Plans for individuals and families.
Get started →Medicare Advantage, Supplement and Part D, plus yearly plan reviews.
Get started →Auto, home, rental and pet.
Get started →Life, dental and vision.
Get started →Liability, workers' comp, commercial auto and more.
Get started →Certificates of insurance and policy changes.
Get started →Tell us what you need. Short form or a free 15-minute call.
We check your options with the insurance companies we work with.
You decide. No obligation. We stay with you after you enroll.
2027 enrollment: choose a plan by December 31 for coverage on January 1
Covered California 2027What each plan pays — and what you pay at the doctor, the ER and the pharmacy. Every plan, line by line.
Plan pays
0%
Plan pays
60%
Plan pays
70%
Plan pays
73%
Plan pays
87%
Plan pays
94%
Plan pays
80%
Plan pays
90%
Free consultation · We speak Russian
Tatiana Gerberg, CSFP. Independent insurance broker in California, licensed in California since 1998.
I work with health, Medicare, life, annuity and business insurance.
I speak English and Russian.
About usOpen enrollment runs November 1 to January 31. Choose a plan by December 31 for coverage starting January 1. Choose a plan in January for coverage starting February 1. After January 31 you can enroll only if you have a qualifying life event, such as losing other coverage.
Read this answer →If you do nothing, Covered California usually renews your plan for 2027. Your price can change, and your financial help is based on the income in your file. If your income or family changed, update it before the deadline.
Read this answer →Your help with the monthly price is based on your expected household income for the year and your family size. The federal government pays part. In 2027 California also adds its own help for many households. If your income changes during the year, update Covered California. Wrong income can mean you owe money at tax time.
Read this answer →Medicare open enrollment runs October 15 to December 7. You can change your Medicare Advantage plan or your Part D drug plan. Changes start January 1, 2027. Medigap supplement plans work differently and are not part of this change window.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
It depends on what you do. Most small businesses start with General Liability. If you have employees in California, you need Workers' Compensation by law. Add Commercial Auto if vehicles are used for work. Professional Liability fits businesses that give advice or services. A Business Owner's Policy (BOP) can combine property and liability for some businesses.
Read this answer →To start, fill out the short form on insurance800.com/start. I need your name, contact information, date of birth and household details. Then I review your case and get back to you. I cannot give a real price before I know your family size and your expected yearly income.
Read this answer →Plan availability varies by area and year.
Find phone numbers and payment options for your health plan.
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