Business Details
38 Years
experience
Emergency
services
Trusted Insurance Solutions in Santa Barbara, CA
Santa Barbara Health Insurance has been dedicated to providing comprehensive insurance solutions since 1988. Founded by Steve Byrd and Rob Cavaness, our agency combines over 50 years of collective experience with a personalized approach to meet the unique needs of individuals, families, and businesses. We specialize in small group health insurance, Medicare supplements, life insurance, long-term care, and international coverage, ensuring clients receive tailored plans that align with their financial and healthcare goals.Our commitment to transparency, ongoing education, and proactive customer service has earned us a reputation as trusted advisors in the ever-evolving insurance landscape. With a focus on building lasting relationships, we prioritize client satisfaction through responsive support, annual policy reviews, and expert guidance during critical decision-making moments.
Services
Small Group Health
Medicare Supplements
Life Insurance
International Health
Long-Term Care
Individual/Family Health
Details
- Year established: 1988
Highlights and features
- We offer over 50 years of combined experience in health and life insurance.
- Our team provides personalized policy reviews and annual plan optimization.
- We specialize in navigating complex insurance markets for small businesses.
- Our client-first approach ensures transparent, jargon-free policy explanations.
- We maintain 24/7 availability for urgent insurance-related inquiries.
What people say
Saved us significant money
Exceptional service and expertise
Thorough and professional
Always available for questions
Expertise in changing industry
Services
Small Group Health Insurance
We help businesses with 2-100 employees establish comprehensive health benefits packages. Our service includes carrier comparisons, enrollment assistance, and annual renewal optimization. Employer-paid premiums are tax-deductible while employees receive pre-tax benefits. We simplify plan setup and maintenance through step-by-step guidance and ongoing support for both employers and employees.
Medicare Supplements
Our Medicare supplement specialists help clients navigate Original Medicare coverage gaps. We provide personalized plan comparisons, enrollment assistance, and prescription drug coverage guidance. We explain Part A/B benefits, late enrollment penalties, and coordinate care with supplemental policies. Our service ensures clients understand their options for comprehensive healthcare coverage during retirement.
Long-Term Care Insurance
We offer traditional and hybrid long-term care solutions that protect assets while providing home or facility-based care options. Our experts explain policy features, care coordination services, and cost considerations. We help clients understand the limitations of Medicare coverage for extended care needs while creating strategies to maintain independence and financial security.
International Health Insurance
Our international policies provide worldwide medical protection with 24/7 assistance services. We partner with GeoBlue to offer emergency care access, English-speaking providers, and translation support. Our service includes policy customization for short-term travel or extended stays abroad, ensuring clients receive comprehensive coverage with seamless claims processing in over 190 countries.
Life Insurance
We offer term and permanent life insurance solutions to protect dependents against financial hardship. Our specialists explain policy differences, underwriting processes, and cash value components. We help clients determine appropriate coverage amounts to replace income, pay debts, and maintain living standards while working with top-rated carriers to secure competitive premium rates.
People
Steve Byrd
Co-Founder
With 35+ years in insurance, Steve holds New York Life awards and Santa Barbara Association of Life Underwriters membership. He focuses on small business solutions and family coverage, combining technical expertise with personalized service.
Rob Cavaness
Co-Founder
A 30-year insurance veteran, Rob specializes in Medicare transitions and long-term care planning. As a National Association of Health Underwriters member, he prioritizes client education and proactive benefits management for businesses and families.
Questions
What small group health insurance options do you offer?
We provide customized health plans for businesses with 2-100 employees, including medical, dental, vision, life, and disability coverage. Our service includes annual renewal analysis and carrier comparisons across California.
How can you help with Medicare enrollment?
We explain Original Medicare Parts A/B, supplement plans, and Part D prescription coverage. Our specialists guide clients through enrollment timelines, penalty avoidance, and plan selection tailored to healthcare needs.
Do you offer international health coverage?
Yes, we partner with GeoBlue to provide global health insurance with 24/7 assistance, English-speaking providers, and emergency care access in 190+ countries for travelers and expatriates.
What life insurance types are available?
We offer term life insurance for temporary needs and permanent policies with cash value components. Our specialists explain policy features, underwriting processes, and help determine appropriate coverage amounts.
How do you support clients during claims issues?
We provide hands-on assistance with claims resolution, policy interpretation, and communication with insurance carriers. Our founders personally oversee complex cases to ensure timely, satisfactory outcomes for policyholders.
