Darci Gutierrez Insurance Services

Darci Gutierrez Insurance ServicesDarci Gutierrez Insurance ServicesDarci Gutierrez Insurance Services
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    • Home
    • Request a Quote
    • Insurance
      • Health Insurance
      • Life Insurance
      • Individual Cash Benefits
    • Group Retirement Plans
    • FAQ
    • Contact
    • About
      • DGIS
      • Meet the Team

Darci Gutierrez Insurance Services

Darci Gutierrez Insurance ServicesDarci Gutierrez Insurance ServicesDarci Gutierrez Insurance Services
  • Home
  • Request a Quote
  • Insurance
    • Health Insurance
    • Life Insurance
    • Individual Cash Benefits
  • Group Retirement Plans
  • FAQ
  • Contact
  • About
    • DGIS
    • Meet the Team

Frequently Asked Questions

Please reach out to us if you cannot find an answer to your question.

No, we do not and cannot write policies for Home or Auto policies. 


PPO plans give you more flexibility to see any provider in-network without needing a referral. 

HMO plans use your primary care doctor as your "gatekeeper" for all care, meaning a referral is required to see a specalist 

EPO plan is a hyprid of an HMO and PPO, you are able to pick your own doctor but they must be in network


No, you are able to enroll directly with carriers. The only reason to enroll through CoveredCA is if you qualify for financial assistance


DGIS is licensed in California, Washington, Oregon, Colorado, Texas, Arizona, Utah, Florida, Nevada, Michigan and Hawaii. We primarily work with clients on the West Coast. 


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Darci Gutierrez Insurance Services

Dublin, CA

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