Business Details
38 Years
experience
Your Trusted Insurance Partner in Cathedral City
At Breitfeller Insurance Agency, we have dedicated ourselves to providing personalized insurance solutions since 1988. Our team combines decades of experience with a commitment to simplifying the complexities of health, Medicare, and group insurance for individuals and businesses. We prioritize client needs over commissions, offering tailored coverage options that align with unique circumstances.With over 35 years of service in Riverside County and the Coachella Valley, weve built a reputation for honest advice, dependable service, and community engagement. Our approach centers on active listening, education, and ensuring clients feel confident in their insurance decisions, whether theyre navigating Medicare for the first time or securing coverage for their workforce.
Services
Medicare Advantage
Medicare Supplement
Prescription Drug Plans
Dental & Vision Coverage
Group Health Insurance
Details
- Year established: 1988
Highlights and features
- We offer over 35 years of experience in health and Medicare insurance.
- Our team provides personalized, commission-free guidance tailored to client needs.
- We represent 9 organizations offering 60+ insurance products for comprehensive options.
- We prioritize community engagement and local partnerships in the Coachella Valley.
- Our free consultations ensure clients understand all coverage choices without pressure.
What people say
Prompt and personal service
True advocate in insurance
High customer service standard
Simplified complex processes
Dedicated to community needs
Services
Medicare Advantage
Medicare Advantage combines Original Medicare benefits into a single plan with added coverage for dental, vision, hearing, and wellness. Ideal for beneficiaries seeking comprehensive care beyond standard Medicare, these plans offer flexibility and enhanced benefits tailored to individual health needs. Our team helps clients compare options to find the best fit.
Medicare Supplement
Medicare Supplement plans cover out-of-pocket costs like deductibles and copayments left by Original Medicare. Designed to reduce financial burdens, these policies ensure predictable healthcare expenses. We guide clients through plan tiers to select coverage that aligns with their medical and budgetary needs.
Prescription Drug Plans
Prescription Drug Plans (PDP) provide affordable medication coverage alongside Original Medicare or Medicare Advantage. We help clients evaluate formularies, costs, and pharmacy networks to ensure access to necessary medications without unexpected expenses, optimizing long-term affordability.
Group Health Insurance
Group health insurance solutions cater to employers seeking fully-insured, level-funded, or self-funded plans. We assist businesses in designing cost-effective, flexible coverage that attracts talent and supports workforce well-being, with options tailored to organizational size and financial goals.
Individual Health Insurance
Individual health insurance under the Affordable Care Act offers coverage for those under 65, including transitional support for turning 26. We simplify enrollment, compare subsidies, and ensure clients meet deadlines for seamless coverage transitions without gaps in protection.
People
Tom Breitfeller
Owner
With over 30 years in health insurance, Tom specializes in Medicare solutions and community advocacy. He founded the agency in 1988, focusing on education and client empowerment. Active in local nonprofits, he balances work with family time and golf.
Elsa Lozano
Insurance Specialist
Elsa brings 20+ years of expertise in personal, commercial, and life insurance. She prioritizes tailored solutions and client satisfaction, leveraging deep industry knowledge. A Dodgers fan, she values family time outside work.
Salvador Espinoza
Licensed Agent
Salvador offers eight years of experience in individual and family coverage, emphasizing trust and integrity. His retail background enhances customer service. He cherishes family moments and community service in his approach to insurance.
Hayllens Acosta
Health Insurance Advisor
Hayllens specializes in ACA and Medicare transitions, with nine years of experience and additional certifications. Committed to community access to care, she simplifies complex processes, earning client praise for clarity and support.
Questions
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with bundled benefits, while Medigap supplements it by covering out-of-pocket costs. We help compare plans based on your healthcare needs and budget.
Do you offer free insurance consultations?
Yes, we provide no-cost consultations to review your insurance options, whether for Medicare, individual plans, or group coverage, ensuring you understand all available choices.
Can I enroll in a Prescription Drug Plan if I have Original Medicare?
Yes, Part D plans work with Original Medicare to cover medications. We assist in selecting a plan that includes your prescriptions at the lowest cost.
What areas do you serve?
We primarily serve Riverside County and the Coachella Valley, including Cathedral City, with personalized insurance solutions for residents and local businesses.
How do group health insurance plans work for small businesses?
We offer fully-insured, level-funded, and self-funded plans tailored to business size and budgets. Our team explains options to balance employee benefits with cost efficiency.
What happens if I miss Medicare enrollment deadlines?
Late enrollment may result in penalties or coverage gaps. We guide you through special enrollment periods and alternative options to ensure timely protection.
Reviews (5)
Gabriella Dominguez
Jan 02, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Tom and his team are top notch. They are very knowledgeable and always happy to help. They carry several policies for me and have the best product to protect me and my STVRs. 5 stars across the board!
Tom and his team are top notch. They are very knowledgeable and always happy to help. They carry several policies for me and have the best product to protect me and my STVRs. 5 stars across the board!
Michael Prestie
Dec 04, 2021
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Positive:Professionalism,Responsiveness
Staff is very helpful and Tom is knowledgeable. Tom reviews my policies and makes recommendations as needed.
Staff is very helpful and Tom is knowledgeable. Tom reviews my policies and makes recommendations as needed.
Mike Bingham
Nov 30, 2021
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Positive:Professionalism,Responsiveness,Value
I forgot to pay the bill until the day it was due. They were able to take my information over the phone and credit my account with no delays or penalties.
I forgot to pay the bill until the day it was due. They were able to take my information over the phone and credit my account with no delays or penalties.
Cheryl Landon
Nov 29, 2021
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Excellent service! Having been a client for a decade- including being a Farmer's insurance agent in my previous years Tom leads a winning team! Never too small an insurance need to give you the service of excellence!
Tom goes out of his way to ensure outstanding service & quality protection! He leads a hard working, determined winning team!
Tom goes out of his way to ensure outstanding service & quality protection! He leads a hard working, determined winning team!
Robert Garcia
Nov 25, 2021
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Positive:Professionalism,Responsiveness
Very responsive. I know I can count on them to get the answers I need, everytime. The staff has always been good to us, no matter what we needed.
Very responsive. I know I can count on them to get the answers I need, everytime. The staff has always been good to us, no matter what we needed.
