Essential Exchange Insurance Services

Essential Exchange Insurance Services I serve and help Families, Business Owners and Medicare Beneficiaries navigate their health insurance options. Hello! Think of me as your health plan concierge.

My name is Cathy Little with Essential Exchange Insurance Services. I’m a licensed insurance agent with 25+ years of experience. I’m passionate about helping people choose the health plan that best fits their situation, year after year. My service and expertise are absolutely no cost to you. As an independent agent, I work for you and my service is year-round, so if you have a question just call m

e. My job is to educate you and present you with all of the available options so that you can make good decisions about your healthcare and rest assured nothing has been overlooked. I proudly serve as a volunteer executive board member of the California State Association of Health Underwriters (CAHU), we are a professional trade association that monitors healthcare legislation affecting those on Medicare, individuals and small businesses and we proactively advocate for consumers and clients. Medicare Disclaimer: We do not offer every plan available in your area. Currently we represent 12 organizations which offer 65+ products in California. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options. CA License # 0C99062

Who doesn’t love the Giants!
06/25/2026

Who doesn’t love the Giants!

As a health insurance professional I can attest that my clients are already straining to pay their premiums. This is sha...
06/24/2026

As a health insurance professional I can attest that my clients are already straining to pay their premiums. This is shameful policy and I will not vote for any democrat candidate in the November elections! I will remind my clients when their premiums go up that this is why!

06/24/2026

Medicare conferences around the state for Agents/Brokers! Attend one in your area and build your business!

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-o...
06/23/2026

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-of-pocket costs over time. With Oral Health Month as a reminder to prioritize preventive care, it is a great opportunity to clear up a few common myths.

Here are a few things many people misunderstand about dental coverage:

🔹 “Cleanings aren’t covered.” In fact, many dental plans emphasize preventive care. Exams and cleanings are often covered at high levels because catching issues early helps reduce the likelihood of more extensive, costly procedures later.

🔹 “Waiting to treat issues can save money.” Delaying treatment typically increases costs. For example, a small cavity treated early may require only a basic filling, while waiting could lead to a crown or root canal with higher coinsurance and more time involved.

🔹 “All dentists are in-network with my plan.” Networks vary by plan and carrier. Scheduling with an out-of-network provider without verifying participation can result in higher out-of-pocket expenses.

Understanding how your dental plan works can help you get the most value from your coverage. If you have questions about how your dental benefits work, feel free to reach out. I am always happy to help review your options.

Here’s the scoop: It’s time to celebrate Father's Day! We wanted to shout out all of the dads, grandfathers, and father ...
06/21/2026

Here’s the scoop: It’s time to celebrate Father's Day!

We wanted to shout out all of the dads, grandfathers, and father figures who make our lives special. We hope that this Father’s Day is filled with quality time, well-deserved rest, and maybe even a couple of dad jokes.

Managing diabetes takes daily attention, but your Medicare coverage may help support you along the way. During Diabetes ...
06/19/2026

Managing diabetes takes daily attention, but your Medicare coverage may help support you along the way.

During Diabetes Awareness Week, our team is sharing how Medicare Parts B and D can help with supplies, medications, preventive services, and education. From blood sugar monitors and insulin to diabetes self-management training and prevention programs, there are important benefits available that many people overlook. Swipe for more information.

We are here to review your coverage and answer any questions you may have. If you would like guidance tailored to your situation, we encourage you to connect with our team.

It’s hard to believe we are already at the halfway point of the year. We hope that the first half of your year has been ...
06/16/2026

It’s hard to believe we are already at the halfway point of the year. We hope that the first half of your year has been wonderful, and that the second half is just as great.

If anything has come up for you over the past few months, or if you would simply like to check in with us, do not hesitate to reach out.

We are here to leverage our expertise to help you succeed. Give our team a call today, and we can find time to connect.

Life does not always follow a schedule, and neither do the moments that change your health coverage needs. If you have r...
06/10/2026

Life does not always follow a schedule, and neither do the moments that change your health coverage needs.

If you have recently experienced a major life change, you may have a limited window to update or enroll in a new health plan outside of open enrollment. Swipe through to see which life events qualify for a Special Enrollment Period and which ones do not.

If you have questions about whether or not a recent change in your life qualifies for a special enrollment period, don’t hesitate to reach out to our team. We are here to help you.

Receiving a raise or promotion at work can be an exciting time. These changes lead to higher income, new financial respo...
06/04/2026

Receiving a raise or promotion at work can be an exciting time. These changes lead to higher income, new financial responsibilities, and the potential need for additional life insurance coverage.

Life insurance is designed to protect against financial risk tied to income, debts, and long-term obligations. When those factors change, coverage may need to be reassessed. Swipe for a brief overview of why income changes matter for your life insurance coverage.

If you’ve recently experienced an increase in income and are interested in a quick coverage check, feel free to contact me. We would be happy to review your current policy and help determine whether any adjustments make sense for your situation.

As life insurance agents, we are often asked about policy additions individuals can make to their existing life insuranc...
06/02/2026

As life insurance agents, we are often asked about policy additions individuals can make to their existing life insurance policies. That being said, we wanted to share some information about a popular optional life insurance feature that may benefit you: a guaranteed insurability rider. Swipe for more details.

If you’re considering whether or not a guaranteed insurability rider is right for your policy, feel free to reach out. We are always happy to review the timing rules, limits, and cost structure to help you decide if this feature aligns with your long-term goals.

Address

Brentwood, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

Website

Alerts

Be the first to know and let us send you an email when Essential Exchange Insurance Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category