For over 20 years, Pat Finch operated Finch Insurance Services while Jim Pirkle operated Financial Affairs & Insurance Services. Our two businesses helped thousands of Californians obtain group and individual insurance coverage. In 2011 we combined efforts under Finch and Pirkle Insurance & Financial Affairs. Today, we and our staff are better prepared to serve these clients and many more in a constantly changing marketplace.
Whether you buy online or in person, an agent is ALWAYS involved with your purchase, even though you may never meet them. Each time you pay your premium, that agent is getting paid a commission. Every agent must offer you the same products at the same prices. We feel it is SERVICE that truly sets us apart. You’re paying a commission so we stand ready to prove we are worth it. If you have any problems, they become our problems and our business. Our detailed attention to clients has resulted in over 50% of our new business coming from referrals.
We will not sell you something and disappear. You’ll never hear our clients say, “I don’t know who my agent is because I never hear from them!” We are always a phone call or email away. OR feel free to drop by our historic downtown Monterey Office and talk to us in person. We’ll contact you a couple of times a year to keep you up to date on critical issues surrounding your coverage(s) or just to wish you a Happy Birthday or Holiday Greeting.
We are not an employee of any insurance company. We provide objective information to consumers to assist them in making informed decisions about their insurance needs. Some of the carriers we work with are not listed on this website because they do not have user friendly web link connections. We will shop every avenue available to us to secure as many options as we can for you and your family/business. We will be happy to secure you a quote from any specific carrier you may have in mind. If we are not licensed with them directly, we have a number of General Agencies that we work with that give us access to just about every carrier in the market.
We are both aggressive and creative in finding and designing coverage for individuals, families and businesses. When our clients experience a rate increase, we know they do not want to hear, “There is nothing you can do.” We feel there is always some option available to our clients.
Thank you for spending time at our site. We hope to have the opportunity to work for you, your family and/or your business and its’ employees.
ONE LAST REMINDER – DO NOT CANCEL ANY EXISTING HEALTH INSURANCE until you have spoken with us. If you have already applied for coverage, wait until you have been approved by your new carrier AND have your new ID card AND contract in hand. Inside your contract, look for the page that includes the “Schedule of Benefits” and review this carefully to ensure you got what you thought you were buying.
How to be a Smart Shopper:
Be Prepared! Before you embark on your ‘shopping adventure’, we’ve listed 6 key points you should keep in mind so you can be a Smart Shopper. Our key points pertain to individuals and business owners (owners pay key attention to point #5!). If you want some very detailed information, go to the bottom of this page.
#1 – Health insurance rates FOR ALL CARRIERS will continue to go up - even under the ACA! The quotes you see today are a ‘snap shot’ which could change next month. You could buy plan B today because it is cheaper than your plan A. Six months from now your new plan B has a rate increase and now A is cheaper. There is a ‘reward’ that you should figure into your cost for staying with a carrier and that is smoother claims. The longer you are with one carrier, the more health history they have and therefore the less need to research claims when they occur.
#2 – The quotes you will get are almost always the “Best” rates available. These carriers are fighting to be the lowest so you’ll apply with them. This is especially true with life insurance quotes. Depending on your health history, height and weight and other facts you’ll list on your application, you may not get the “Best” rate. If you are an individual, you could get declined (NOT for health insurance though as the ACA finally helped get rid of that situation). The carrier can also load the premium 20%, 25%, 50%, 75%, even 100% are examples. Also, one carrier may load your premium 50% because you take a certain drug where another carrier would decline you and a third carrier would only load 20%.
#3 – Provider Networks. Ensure your doctor and more importantly, you local hospital is contracted with the carrier you are considering. A plan may be real cheap because the nearest hospital is 100 miles away. It also pays to call your specific doctor and verify they are in the network. If you do this, we highly advise asking their opinion if you are considering two plans. You may find the plan you are considering is notoriously late in paying claims – which may lead to your doctor dropping the plan 3 months after you sign up. BE DILIGENT when asking your doctors if they take your SPECIFIC Plan. Many carriers now have different networks for different types of plans. Example: One carrier might have a network for their group plans, another for their individual plans, and another for their individual plans purchased through the Covered CA Exchange.
#4 – Know your maximum exposure! The annual Out of Pocket (OOP) limit is the most crucial part of your policy. What are you liable for when the ‘BIG BILL” hits. EXAMPLE: Two carriers have ‘identical’ $1000 Deductible plans but plan 1 is $100 less than plan 2. The ‘catch’ is, if you have a $100,000 bill with plan 1 you are responsible for $20,000 versus $7500 with plan 2! Know your individual AND your family maximum exposure.
#5 – Do the math and pay your own small bills with your premium savings! AFFORDABLE Deductibles are large and here to stay. Don’t be ‘afraid’ of them. EXAMPLE: You can pay $400/month for a plan with a $1500 deductible or $250/month for a plan with a $2500 deductible. Save the $150/month or $1800/year and use this money to pay your ‘small bills’. Also, when the next 10% rate increase occurs, your rate will not go up $40 (10% of $400) but only $25 (10% of $250). If you are a business owner, we can help you design a plan where you take the savings from each employee and set up an HRA plan that usually results in lower premiums and better coverage. That’s not a typo! Lower premiums AND better coverage!
#6 – What insurance do you want to be ‘stuck’ with? Consider your ‘sleep factor’. You need to be able to sleep at night and this isn’t easy when you aren’t confident in your insurance carrier. Insurance is to pay the big bills so you don’t lose your car, home, and other worldly possessions. Ask yourself - If you just found out you have an illness which will be with you the rest of your life how are you going to feel about your insurance? When the hospital or surgeon asks who your insurance carrier is, are you going to confidently say, “It’s Company XYZ”!?
There are numerous other considerations depending on each person or groups specific situation. The 6 we’ve listed above are what we feel are the ‘Essential 6” items to keep in mind when you are shopping for coverage. We would be happy to discuss all your concerns if you want to call or email us.
MORE DETAILED INFORMATION AVAILABLE AT THE LINK BELOW
You may have a lot of questions, be a ‘first time shopper of health insurance’, or have a very specific need. I didn’t want to ‘recreate the wheel’ or give you information that you may feel is biased. In my ‘surfing’, I’ve found a great website at Healthcare.gov The link below will take you directly to their site where you can get many of your questions answered:
Excuse the Disclaimer but we all have to protect ourselves - If you go to the above link, you will be leaving this site and you assume total responsibility and risk for your use of the site(s) you are linking to. The information is being provided strictly as a courtesy. Finch and Pirkle Insurance & Financial Affairs does not make any representation as to the completeness or accuracy of information that is provided in these sites. We are not liable for any direct or indirect technical or systems issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through their site(s).