On Exchange

Covered California

Covered California is our online exchange here in California. If your household income falls within certain limits, you may qualify for a subsidy. For 2019, if you're a single individual making less than $48,560/yr or a family of four earning less than $100,400/yr, you may qualify for a subsidy.

Off Exchange

Individual Carriers

If you don't qualify for a subsidy because you make too much money, you have another disqualifying reason, or you simply would rather not disclose certain personal info, well... you have another option. You can avoid the exchange and save time by going directly through an individual carrier.


Medicare is typically offered to senior citizens age 65 and older. However, adults with certain medical conditions (such as Lou Gehrig’s disease) or qualifying permanent disabilities may also be eligible for Medicare benefits.

Just like Social Security, most U.S. citizens earn the right to enroll in Medicare by working and paying their taxes for a period of time. Even if you didn’t work long enough to be entitled to Medicare benefits, you may still be eligible to enroll by paying more.

Medicare doesn’t have to be complicated. Let us show you the basics and help guide you to the best Medicare option.

The A, B, C and Ds

Four Parts of Medicare

The four types or ``Parts`` of Medicare are often referred to as Parts A, B, C, and D. They include Hospital, Medical and Prescription Drug services. Here's a summary of what each ``Part`` includes:

Part A = Hospital

Part A is Hospital Insurance. It is one of two parts of Original Medicare offered by the government. It covers inpatient hospital care and, limited time in a skilled nursing care facility, home healthcare services or hospice care.

Part B = Medical

Part B is Medical Insurance. It is one of two parts of Original Medicare offered by the government. It covers certain non-hospital medical expenses like doctor’s visits, screenings, blood tests, x-rays and outpatient hospital care.

Part A + Part B = Part C

More commonly known as Medicare Advantage, Part C is offered by private insurance companies. Medicare Advantage provides and coordinates Medicare Parts A & B benefits for beneficiaries and in turn, acts as a replacement for Original Medicare.

Part D = Prescription Drugs

Part D is prescription drug coverage.  There are two ways for you to get prescription drug coverage, 1) through a stand-alone Prescription Drug Plan with Original Medicare or, 2) through a Medicare Advantage Prescription Drug (MAPD) plan.

Small Business

Fortune 500 companies have understood for decades that offering benefits to employees has many advantages. In addition to assuring that you attract and retain great talent, studies show that a healthy employee is a happy, productive one. The less time and energy they spend on health issues, the more time they spend productive at work.

In the past, benefits that include access to personalized, online enrollment and HR services were only available to large corporations. See below for some of the many FREE services and features our agency can provide to your small business:

Paperless Enrollment

Automated “mistake-proof” online enrollment allows employees to add/change benefits online and e-sign directly through the company portal. Access to enrollment and benefit info is available 24/7/365 through individual employee logins.

Online Onboarding

Welcome new hires or exit terminated employees through a seamless online company portal. Employees can login, sign and store documents like employee handbooks, I9s or W4s all online for access at a later date.

Pre-tax Payroll Deduction

Utilize pre-tax deduction benefit for both employees and the employer. Employees reduce tax burden to “Uncle Sam” with contributions deducted on a pre-tax basis. Employers reduce payroll taxes with a lower net post-deduction payroll.

Multiple Carriers In One

We partner with California Choice™ to offer multiple carrier options all under one invoice. This means the owner and employees can choose from a variety of different carriers like: Anthem, Health Net, Kaiser, United Healthcare, and more…

Member Perks

Enrolled employers and employees benefit from member perks like discount tickets to: theme parks, sporting events and movie theaters as well as discounts at hotels, restaurants, retail stores and vacation destinations.

Ancillary Discounts

Members receive additional perks like discounts on ancillary products such as: dental, vision, hearing and prescription drugs. These benefits come in handy for employees that don’t wish to add these insurance coverages but still need services.


Whether it’s a single trip in your future or you’re a frequent corporate traveler, we have you covered all across the globe.

By partnering with GeoBlue™–an independent licensee of the Blue Cross Blue Shield Association–we can provide you with access to one of the largest international networks of doctors worldwide.

See below for more info on some of the many plans and options GeoBlue™ has to offer:

Trusted Network

Prompt access to a trusted network of doctors and healthcare professionals that join the network only if they meet the strict GeoBlue standards.

24/7 Support

Phone, Web & Mobile support anytime, any day because an accident or illness doesn’t always work on your schedule.

Paperless Claims

Locating a printer in remote areas is virtually impossible. GeoBlue adds paperless claims resolution to avoid this… and to save a tree.

Cashless Appts

Access to various currencies around the globe can be a challenge. GeoBlue solves this by offering cashless appointments to ease your mind.


Our ``Click-Ask`` Family

On behalf of Rivas & Associates and ClickAskBenefits.com, I would like to personally thank all of our satisfied clients. We care about you and appreciate your business more than you know.

∼ Lu Rivas
President | Rivas & Associates

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(888) 308-8951

- Locations

Pasadena, CA

Encino, CA

Corona, CA