Peace & Grace Insurance Services

Peace & Grace Insurance Services Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Peace & Grace Insurance Services, Insurance broker, 1210 3rd Street, Atwater, CA.

Established in 2015, Peace and Grace Insurance Services have been Covering Californians with Medicare Plans, Covered California, Dental Plans, Life Insurance, and Social Security Planning
English - Spanish - Arabic
CA Dept of Insurance License # 0L12571

06/03/2026

Life Insurance Demand Stays Strong | Peace. Grace. Protection.

Insurance Terms Explained: Effective Date vs. Termination Date.The Effective Date is the specific day your insurance cov...
06/03/2026

Insurance Terms Explained: Effective Date vs. Termination Date.

The Effective Date is the specific day your insurance coverage begins and you can start using benefits. The Termination Date is the last day your coverage is active.

Avoiding gaps between these dates is crucial to ensuring you’re never without protection! At Peace & Grace Insurance Services, we're here to help our neighbors in Merced County and throughout California navigate these details with clarity and care.

Schedule a free consultation: https://go.oncehub.com/1PNG
Visit us: 1210 Third St, Atwater, CA 95301
Call: (209) 812-4026

Insurance Terms Explained: Urgent Care vs. Emergency Room 🚑Knowing where to go can save you hundreds (or thousands) of d...
06/03/2026

Insurance Terms Explained: Urgent Care vs. Emergency Room 🚑

Knowing where to go can save you hundreds (or thousands) of dollars!

🔹 Urgent Care: For non-life-threatening issues like sprains, minor cuts, or the flu. Usually costs a fixed copay and is much more affordable.
🔹 Emergency Room (ER): Reserved for life-threatening emergencies like chest pain or severe trauma. ER visits often involve high deductibles and coinsurance.

Check your plan to see your specific costs for both! We’re here to help you understand your benefits before an emergency happens.

Peace & Grace Insurance Services
📅 Schedule here: https://go.oncehub.com/1PNG
📍 1210 Third St. Atwater, CA 95301
📞 209-812-4026

Insurance Terms Explained: EPO vs. POS 📍Looking at plans beyond HMOs and PPOs? You might see these:✅ EPO (Exclusive Prov...
06/03/2026

Insurance Terms Explained: EPO vs. POS 📍

Looking at plans beyond HMOs and PPOs? You might see these:

✅ EPO (Exclusive Provider Organization): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
✅ POS (Point of Service): A plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist.

Confused by the acronyms? We're here to help you navigate your options!

🗓️ https://go.oncehub.com/1PNG
📍 1210 Third St, Atwater, CA 95301
📞 (209) 812-4026

Understanding extra coverage can save you money. Supplemental Insurance (like hospital indemnity) pays a cash benefit di...
06/03/2026

Understanding extra coverage can save you money.

Supplemental Insurance (like hospital indemnity) pays a cash benefit directly to you to help with extra costs. Secondary Insurance is a separate plan that pays for covered services after your primary insurance has paid its share. Both help reduce your total out-of-pocket costs!

Schedule a consultation: https://go.oncehub.com/1PNG
Visit us: 1210 Third St, Atwater, CA 95301
Call: (209) 812-4026

Insurance Terms Explained: EOB vs. Medical Bill. 📝Ever received a document that says "THIS IS NOT A BILL"? That’s your E...
06/03/2026

Insurance Terms Explained: EOB vs. Medical Bill. 📝

Ever received a document that says "THIS IS NOT A BILL"? That’s your Explanation of Benefits (EOB).

🔹 EOB: A statement from your insurance company explaining what they covered and what you might owe.
🔹 Medical Bill: The actual invoice from your doctor or hospital.

Always compare your EOB to your medical bill before paying to ensure you're not overcharged!

Questions? We’re here to help.
📍 1210 Third St. Atwater, CA 95301
📞 209-812-4026
🗓️ Schedule a free consultation: https://go.oncehub.com/1PNG

Ever feel like you’re looking at a bowl of alphabet soup when trying to understand Medicare? You’re not alone. In our ‘I...
06/03/2026

Ever feel like you’re looking at a bowl of alphabet soup when trying to understand Medicare? You’re not alone. In our ‘Insurance Terms Explained’ series, we’re breaking down the two most fundamental parts of your coverage.

Think of Medicare Part A and Part B as the two pillars of your health security.

Medicare Part A (Hospital Insurance):
This helps cover inpatient care in hospitals, skilled nursing facility care, hospice, and home health care. Most people don’t pay a monthly premium for Part A because they (or a spouse) paid Medicare taxes while working.

Medicare Part B (Medical Insurance):
This covers services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and many preventive services. Part B does require a monthly premium.

The simplest way to remember it? Part A is generally for the ‘building’ (the hospital), and Part B is for the ‘people’ (the doctors) and the services they provide.

Schedule a free consultation: https://go.oncehub.com/1PNG

Peace & Grace Insurance Services
1210 Third St. Atwater, CA 95301
209-812-4026

Insurance Terms Explained: Open Enrollment vs. Special Enrollment Period.Open Enrollment is the yearly period when you c...
06/03/2026

Insurance Terms Explained: Open Enrollment vs. Special Enrollment Period.

Open Enrollment is the yearly period when you can sign up for health insurance. A Special Enrollment Period is a time outside that window when you can sign up if you have a qualifying life event, like getting married or having a baby.

We understand that navigating these dates can feel overwhelming, but we are here to be your guide and ensure you never miss out on the coverage you deserve. Whether you are planning for a big life change or just preparing for the year ahead, our team is ready to provide the clarity and care you need.

📍 1210 Third St. Atwater, CA 95301
📞 209-812-4026
🗓️ https://go.oncehub.com/1PNG

Navigating health insurance shouldn’t feel like solving a puzzle without the box lid.Happy Wednesday, neighbors! Today w...
06/03/2026

Navigating health insurance shouldn’t feel like solving a puzzle without the box lid.

Happy Wednesday, neighbors! Today we’re discussing a powerful tool for your coverage: Subsidies.

Many families in Merced County qualify for financial help through Covered California that significantly lowers monthly premiums. Think of a subsidy as a helping hand to keep quality care within reach. Based on your income, it provides the peace of mind that comes with having a solid plan.

Useful tip: Subsidies are flexible! If your income changes during the year, your subsidy can be updated. Keeping your info current ensures you get the right support and avoids any surprises during tax season.

We believe in putting people first and helping you find the clarity you deserve. We’re here to guide you through these options with compassion and care.

Peace & Grace Insurance Services
1210 Third St. Atwater, CA 95301
209-812-4026
Book a no-cost consultation: https://go.oncehub.com/1PNG

Insurance Terms Explained: Prior Authorization vs. Referral.Don't let paperwork stand in the way of your care. Here is t...
06/03/2026

Insurance Terms Explained: Prior Authorization vs. Referral.

Don't let paperwork stand in the way of your care. Here is the difference:

📝 Referral: A written order from your primary care doctor for you to see a specialist or get certain medical services.
📄 Prior Authorization: A decision by your health insurer that a service, treatment plan, or prescription drug is medically necessary before you receive it.

Missing either one could mean your claim gets denied. Not sure which one you need? Give us a call. We are here to support our community in Atwater, Merced County, and across California with compassion and clarity.

Schedule your consultation: https://go.oncehub.com/1PNG
📍 1210 Third St, Atwater, CA 95301
📞 (209) 812-4026

Address

1210 3rd Street
Atwater, CA
95301

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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