Lucid Insurance Services

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Finding a health plan that meets your needs and your budget can be an over whelming experience. Representatives in our office are trained in all aspects of health care including Individual, Group and Senior products. With over 15 years experience you can be sure to receive accurate and knowledgeable information.

Reminder: Don't Choose a Plan Based Only on the Premium: A lower monthly premium may seem attractive, but it's important...
06/18/2026

Reminder: Don't Choose a Plan Based Only on the Premium: A lower monthly premium may seem attractive, but it's important to consider deductibles, copays, coinsurance, and out-of-pocket maximums before making a decision.

Take Advantage of Preventive Care: Most health insurance plans cover preventive services such as annual wellness exams, ...
06/17/2026

Take Advantage of Preventive Care: Most health insurance plans cover preventive services such as annual wellness exams, screenings, and vaccinations at little or no cost to you.

Medicare Planning Starts Early: The best time to learn about Medicare is before you need to enroll. A little preparation...
06/16/2026

Medicare Planning Starts Early: The best time to learn about Medicare is before you need to enroll. A little preparation can help you avoid common mistakes and make the transition to Medicare much smoother.

Ask Questions Before You Enroll: Health Insurance can feel overwhelming, but you don't have to navigate it alone. Asking...
06/15/2026

Ask Questions Before You Enroll: Health Insurance can feel overwhelming, but you don't have to navigate it alone. Asking questions and understanding your options can help you make confident decisions about your healthcare.

HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the en...
06/11/2026

HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the end of the year; it continues to grow, tax-deferred in your HSA.

Did you know? Families without health insurance are 3x more likely to delay or skip necessary medical care — putting the...
06/10/2026

Did you know? Families without health insurance are 3x more likely to delay or skip necessary medical care — putting their health and finances at serious risk.

A Self Insured Plan is a type of plan usually present in larger companies where the employer itself collects premiums fr...
06/09/2026

A Self Insured Plan is a type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

Fast Fact: MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket ...
06/08/2026

Fast Fact: MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket expenditures paid by a health plan enrollee for medical services that are covered by a health insurance plan.

Enjoy The Weekend! Genius is the ability to put into effect what is on your mind.
06/05/2026

Enjoy The Weekend! Genius is the ability to put into effect what is on your mind.

How does Hospital Indemnity Insurance work? If you are admitted to a hospital for a covered illness or injury, the polic...
06/04/2026

How does Hospital Indemnity Insurance work? If you are admitted to a hospital for a covered illness or injury, the policy pays a predetermined cash benefit based on the terms of your plan. Benefits may be paid for hospital admissions, overnight stays, intensive care, and other covered services.

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Folsom, CA
95630

Opening Hours

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

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