Individual Plans

Since 1979 Nico Insurance Services, Inc. has specialized in providing a level of service that separates our agency from others. We specialize in the individual and family markets. We examine your needs and provide options so that you will receive the best policy suited for you. We recognize that you have a choice when you shop for health insurance. We don't work for the insurance company. We work for you!

For Individual HEALTH, DENTAL, and LIFE Insurance, please use these links to access detailed information on rates and benefits, as well download the applications.

Authorized Agent for:

Contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it. for information pertaining to Anthem Blue Cross plans.

Contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it. for information pertaining to Blue Shield of California.

Hello, my name is Dawn Stewart, and I have been partnering with individuals and families in Southern California for their insurance needs for more than 13 years. I am here to help you get the best value for your dollar while making sure that you get the coverage that you require.

Both Anthem Blue Cross and Blue Shield of California offer HMO and PPO medical plan designs.

An HMO plan offers a predictable, cost-efficient way to manage your health care, especially if you or your dependents visit the doctor often. On an HMO plan you are required to pick a primary care doctor from the plan’s network of contracted providers.

A PPO plan will pay a percentage of your medical bills and allows you the freedom to choose your own doctor. These plans will usually pay between 60% - 70% after your deductible, depending on the plan you choose. On a PPO plan, you are NOT required to choose a primary care doctor, but if you use the plan’s contracted providers you will save money.

We also offer individual DENTAL plans with a choice of either PPO or HMO.

Please contact Dawn Stewart with any questions, or to review the information in more detail at 619-667-2111, or by email This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .

If filling out an application please be sure to mail, fax or email it back to Dawn Stewart at:

NICO Insurance Services
7290 Navajo Road, Ste. 111
San Diego, CA 92119
(619) 667-2111, ext. 304
FAX: (619) 667-2100
EMAIL: This e-mail address is being protected from spambots. You need JavaScript enabled to view it.