Business Details
20 Years
experience
Your Trusted Health Insurance Partner in San Diego
SPF Insurance Services is a leading health insurance brokerage dedicated to helping individuals, families, and businesses navigate the complexities of health coverage. Founded in 2006, we operate under a fiduciary standard, prioritizing client needs by offering transparent, unbiased guidance. Our team of licensed advisors works with all major insurance providers to deliver tailored solutions, including health, life, dental, disability, and long-term care plans.We emphasize education, empowering clients to make informed decisions through comprehensive resources, video content, and personalized support. With offices in San Diego and serving clients statewide, we combine industry expertise with a commitment to exceptional service, ensuring clients find affordable, high-quality coverage that aligns with their unique needs.
Services
Health Insurance Brokerage
Life Insurance
Dental Insurance
Disability Insurance
Long-Term Care Insurance
Medicare Plans
Student Health Insurance
Travel Health Insurance
Small Business Benefits
Health Savings Account (HSA) Plans
Details
- Year established: 2006
Highlights and features
- We operate under a fiduciary standard to prioritize client needs.
- Our team provides personalized guidance through complex insurance options.
- We partner with all major California health insurance providers.
- Our advisors have decades of combined experience in insurance and finance.
- We offer free educational resources to simplify insurance decision-making.
What people say
Outstanding expertise
Patient explanations
Personalized support
Exceptional service
Knowledgeable team
Services
Health Insurance Brokerage
Our health insurance brokerage specializes in connecting clients with personalized coverage solutions. We work with major insurers to offer plans for individuals, families, and small businesses. Our fiduciary approach ensures unbiased guidance tailored to your budget and healthcare needs.
Life Insurance
We provide comprehensive life insurance options, including term, whole, and universal policies. Our advisors help clients understand coverage needs, rating classes, and policy features to protect loved ones and financial futures with confidence.
Medicare Plans
Our Medicare specialists assist with Advantage plans, Part D drug coverage, and enrollment guidance. We help seniors navigate annual election periods, understand policy changes, and select plans that balance cost and comprehensive care.
Health Savings Account (HSA) Plans
We offer HSA-compatible health plans that combine high-deductible policies with tax-advantaged savings accounts. Our experts explain qualified expenses, contribution limits, and how these plans work with California's standardized Obamacare options.
Small Business Benefits
Our team helps small businesses design affordable employee benefit packages. We analyze group plans, compare carrier networks, and implement cost-saving strategies while ensuring compliance with state and federal regulations.
People
Tim Thompson
Founder
Tim Thompson founded SPF Insurance in 2006 after a career in engineering. As a type 1 diabetic, he understands insurance challenges and focuses on patient education. He holds a fiduciary commitment to client-first service.
Silvia Whiting
Benefits Advisor
Silvia Whiting joined SPF in 2015, bringing cross-cultural expertise from her background in lighting consulting. A certified Covered California agent, she specializes in helping clients find personalized healthcare solutions with bilingual Spanish support.
Marc Sandknop
Benefits Advisor
Marc Sandknop combines decades of educational experience with insurance expertise. As a former English teacher and coach, he prioritizes patient explanations and empowers clients to make confident insurance decisions without rushed pressure.
Questions
What health insurance options exist for self-employed individuals?
We offer ACA-compliant plans, HSA-compatible options, and short-term alternatives for self-employed clients. Our advisors help evaluate subsidy eligibility and network requirements while considering income fluctuations.
How do I choose between HMO and PPO plans?
HMO plans typically cost less with primary care coordination, while PPOs offer broader networks at higher premiums. We analyze your preferred providers and budget to recommend the optimal choice.
Can I keep my current doctor with new coverage?
We verify provider networks for all plans. If your doctor isn't in-network, we explore off-exchange options with broader access or help transition to comparable in-network providers.
What maternity coverage options exist in California?
All ACA plans include maternity benefits. We help identify plans with optimal cost-benefit ratios for prenatal care, delivery, and postnatal services while explaining network hospital options.
How do health insurance subsidies work?
Subsidies reduce premiums for incomes 138-400% of federal poverty level. We help calculate eligibility, manage income changes, and avoid repayment issues during tax season.
What happens if I miss open enrollment?
Qualifying life events allow special enrollment. We help document events like moves or job loss to secure coverage outside standard periods while explaining alternative options like catastrophic plans.
Videos
Reviews (7)
Christina C.
Sep 06, 2019
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Awful experience. These people, mostly Tim, do not return calls in a timely manner, don't know their market very well, and are big talkers without saying much. I knew more about the health insurance offerings in my area than Tim did, and he kept saying he'd call back after doing research, wouldn't call back, and heck, I'd already done the research! These people are really just commission-hungry posers. I recommend you find another, different firm of independent health insurance brokers.
The Z.
Jul 16, 2019
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During my entire adult life, my health and dental insurance coverage was provided by my employer. So when faced with going out on my own, I found THE BEST professional to help me, Tim Thompson. Not only was the process quick and enjoyable, Tim has mastered the skill of in-depth analysis of the options, and was very thorough in his communications. Tim is also very patient, never rushing to end the phone call, and when I had a question, Tim had the answer. I highly recommend Tim and SPF Insurance Services.
Anthony K.
Feb 28, 2019
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I didn't buy insurance but Tim (owner) was super awesome! Very easy going and informative. If the need for insurance arises in the future, I will be calling. Thanks again!
Binh D.
Oct 30, 2018
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I had a talk with Tim about health insurance since I finally had to buy my own. He was very helpful in helping me choose the best plan that fit my needs. I was very interested in using a high deductible plan and Tim helped me choose the best options that would work the best for me. Highly recommend for anyone in CA that has questions with insurances.
Joel S.
Oct 26, 2018
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Highly recommended! I'm returning to California from abroad and have a 1 month gap in insurance before starting a new job. After spending many frustrating hours on the phone dealing with lots of insurance companies and not making any progress to get enrolled in a plan to cover my gap I called SPF on a tip from a family member. Tim was far more knowledgeable than anyone I spoke with at any insurance company, and was able to navigate me through my complicated situation in a breeze. I'm super thankful and would certainly go back to SPF anytime I have health insurance issues in the future
Emiko J.
Sep 01, 2018
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Tim was patient and helpful as he took me through he process of choosing the right health insurance plan for my family. He made an overwhelming project manageable. I really appreciate the service he provided and I am happy with the plan that I ended up choosing.
David K.
Apr 02, 2018
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I called late Friday on a holiday weekend and Tim was there. He provided concise, accurate information and was a pleasure to work with. Highly knowledgeable about individual and small group coverage for our company.
