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WHAT WE OFFER
We provide a variety of services
Insurance policies can help you in many ways, protecting your family financially while also providing opportunities to build wealth. Your agent will work to understand your financial situation and help you design personalized solutions to protect and prosper.

Why MMJEAM Insurance?
Here at MMJEAM Insurance, we're here to help you get quality health coverage for all your needs. We are committed to ensuring you pay less for all your medical needs. Medical expenses shouldn't have to be a financial burden to you and your love ones.
Common questions about insurance
A premium is the monthly amount you pay to maintain your health insurance coverage. This payment is made to your insurer, regardless of whether you use health services during that month.
A deductible is the amount of money you must pay out of pocket for covered health care services before your insurance plan starts to pay. For example, if you have a $1,000 deductible, you will pay for health care services until you've spent $1,000, after which the insurer begins to cover a larger portion of costs.
A copayment, or copay, is a fixed amount you pay for a covered health care service, typically when you receive the service. For example, you might pay a $20 copay for a doctor’s visit or a $10 copay for a prescription.
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HMO (Health Maintenance Organization): Requires you to choose a primary care physician (PCP) and get referrals to see specialists. These plans usually have lower premiums but less flexibility.
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PPO (Preferred Provider Organization): Offers more flexibility in choosing healthcare providers and does not require referrals. PPOs tend to have higher premiums but allow you to see specialists or out-of-network providers without a referral.
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Health insurance typically works by covering a portion of your medical expenses, such as doctor visits, hospital stays, and prescription medications. You pay premiums, and when you need care, you either pay a copayment or deductible, and the insurance covers the rest.
"In-network" refers to healthcare providers or facilities that are part of your insurer's contracted network. If you use an in-network provider, your insurance pays more of the cost. "Out-of-network" providers are not part of the insurer’s network, and you may have to pay higher out-of-pocket costs
We’re here every step of the way
Don’t navigate the world of insurance alone. Whether you're looking for Medicare, life insurance, or coverage through Covered California, we’re here to help you find the perfect plan for you and your family.
Medicare
Navigating Medicare can be confusing, but we make it easy for you. Our team of experts is dedicated to helping you find the right Medicare plan that fits your health needs and budget. From Medicare Advantage and Prescription Drug Plans (Part D) to Medicare Supplement (Medigap) Plans, we offer personalized guidance to ensure you get the coverage you deserve.
Covered California
Health coverage through Covered California is the key to affordable care. Whether you're self-employed, between jobs, or seeking better options, we help you compare plans and find the right coverage for your needs. We also guide you through the process of applying for financial assistance to make health insurance even more affordable.
We’re here every step of the way
Don’t navigate the world of insurance alone. Whether you're looking for Medicare, life insurance, or coverage through Covered California, we’re here to help you find the perfect plan for you and your family.
Navigating Medicare can be confusing, but we make it easy for you. Our team of experts is dedicated to helping you find the right Medicare plan that fits your health needs and budget. From Medicare Advantage and Prescription Drug Plans (Part D) to Medicare Supplement (Medigap) Plans, we offer personalized guidance to ensure you get the coverage you deserve.
Protect what matters most with our range of life insurance options. Whether you need term life insurance for temporary coverage or whole life insurance for lifelong protection, we offer policies that provide financial security for your loved ones in the event of the unexpected.
Health coverage through Covered California is the key to affordable care. Whether you're self-employed, between jobs, or seeking better options, we help you compare plans and find the right coverage for your needs. We also guide you through the process of applying for financial assistance to make health insurance even more affordable.