Health Insurance

If you are a Business Associate, a healthcare technology vendor, or a medical service provider in California, you operate in one of the most strictly regulated environments in the world. You are likely familiar with the Health Insurance Portability and Accountability Act (HIPAA). You know about the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). You have compliance officers and privacy policies in place. But when you attempt to bid on a co

Investing in employee wellness is more than a trend; it's a strategic business decision that directly impacts your bottom line. For companies in California’s Central Valley, a thoughtful wellness program can boost productivity, improve employee retention, and significantly reduce insurance claims and benefits costs. By creating a healthier, happier, and more resilient workforce, you build a stronger foundation for long-term success. At TSM Insurance, we've spent a century he

Navigating the world of health insurance can feel overwhelming, whether you’re a family looking for individual coverage or a small business owner aiming to provide for your team. The stakes are high, and the terminology—deductibles, premiums, networks, and copays—can seem like a foreign language. Here in the Central Valley, from Modesto to Turlock and beyond, your healthcare needs are unique. You need a plan that understands our community’s fabric, from commuting patterns o

In the competitive landscape of the Central Valley, attracting and retaining top talent is a constant challenge for Lathrop businesses. While a competitive salary is essential, today's workforce expects more. They seek comprehensive support that protects their health, financial well-being, and overall quality of life. This is where a strategic approach to supplemental health benefits becomes a powerful differentiator, transforming a standard compensation package into a compe

Protect Your Family’s Health:  Dental and vision care are crucial for overall well-being, yet often overlooked. Regular check-ups can prevent serious health issues, saving you money and stress long-term. Understand Your Options:  Learn the differences between dental plans like HMOs, PPOs, and Indemnity plans. Vision plans offer various levels of coverage for exams, glasses, and contacts. Know the Key Terms:  Familiarize yourself with concepts like deductibles, copays, waiting

Most people think of health insurance as complete protection—until they realize it doesn’t cover dental cleanings, eye exams, glasses, or other everyday care that keeps you healthy. That’s where dental and vision insurance come in. These plans fill the gaps left by traditional health coverage, helping you stay ahead of small issues before they become expensive problems. Routine care like dental checkups or annual eye exams might seem minor, but skipping them adds up. Dental i

Buying health insurance is one of those decisions that feels both important and overwhelming. You want coverage that fits your family or business without paying for things you don’t need—but the fine print, plan types, and endless options can make it hard to tell what’s really worth it. That’s why so many people end up making the same common mistakes when choosing a plan. From focusing only on the monthly premium to skipping network checks or forgetting about prescription cov

Understanding health insurance often starts with learning a few key terms that control how much you pay and when. Words like deductible, copay, and premium show up on every policy, yet most people aren’t completely sure what they mean until a bill arrives. Knowing how these terms work together helps you see the full picture of your coverage—what’s included, what’s not, and where your money actually goes. For families and individuals trying to make sense of their healthcare co

Finding the best health insurance plan isn’t just about price—it’s about matching the right coverage to your real needs. The ideal plan helps you manage everyday care, emergencies, prescriptions, and preventive visits while keeping costs predictable. The challenge is that there’s no one-size-fits-all policy. A plan that works well for one person or family may not fit another’s medical needs, income, or preferred doctors. If you’ve ever compared health insurance plans online,

Health insurance can feel like a complex puzzle with too many moving parts. Between confusing terms and countless plan options, it's easy to feel overwhelmed. But at its heart, health insurance is a tool designed to protect your family's health and financial well-being. It provides a safety net, ensuring that you can access the medical care you need without facing crippling expenses. For families in California, having the right coverage is about more than just managing costs—

Offering employee benefits boosts retention and reduces costs. Learn the differences between self-funded and fully-insured plans with TSM In