Health insurance, explained in plain English
Your health is your most valuable asset. We help individuals, families and employers find a plan that provides access to quality care while protecting your finances from unexpected medical costs.
Health Insurance: what it can cover
Plans we can help you compare:
Individual plans
Coverage for people who don't receive insurance through an employer, including self-employed people and freelancers.
Family plans
Comprehensive coverage for your whole family, including preventive care and emergencies.
Group plans
Employer-sponsored health insurance to keep your employees healthy and productive.
What health plans typically cover
- Doctor visits — routine checkups, specialists and consultations
- Hospital stays, surgeries and emergency care
- Prescription drugs
- Preventive care — screenings, immunizations and wellness visits
- Maternity and pediatric care
Coverage, limits and exclusions vary by carrier and policy. We'll walk you through the details of any policy before you buy.
Why DeWitt Insurance
- Independent agencyWe aren't tied to one company — we compare multiple carriers to find coverage that fits.
- Serving California since 1978Decades of experience helping families and businesses choose the right protection.
- Local office1081 Borden Rd., Ste. 107 in Escondido, serving Temecula, the Temecula Valley and North County.
- A real person answersCall (760) 747-9596 Monday–Friday, 8:30 AM – 4:30 PM.
Common questions
What's the difference between an HMO and a PPO?
HMO plans require a primary care doctor and referrals to see specialists. PPO plans let you see specialists without referrals and offer more flexibility.
Can I get coverage with a pre-existing condition?
Yes. Under current health care law, pre-existing conditions can't be excluded from health insurance coverage.
Are preventive services covered?
Most health plans cover preventive care like annual checkups and screenings.
Ready to compare your options?
Get a free, no-obligation quote — or call and talk it through with a real person.