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Nico Insurance Services Inc. 7290 Navajo Road, Suite 111 San Diego, CA 92119 CA License # 0790551 Ph:  (619) 667-2111   (800) 303-3737 Fax:  (619) 667-2100	Welcome to Individual Services 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:     Click Blue Cross of California to find an application on our Blue Cross site. Click to download an IFP application for Blue Shield of California. Both Blue Cross and Blue Shield of California offer HMO and PPO medical plan designs. An HMO usually offers 100% Hospitalization coverage and $10 Office Visit Co-payment. 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. The plans will usually pay between 50%-80% depending on the plan you choose. PPO plans offer annual deductibles that range from $500-$5000. On a PPO plan, you are NOT required to choose a primary care doctor. You can go to any licensed physician, but using the plan's contracted doctors will save you money. We also offer individual DENTAL Insurance with a choice of a Pre-Paid or PPO Dental Plans. Please contact Dawn Stewart to review the information in more detail or with any questions at 619-667-2111 or by email. If filling out an application, please be sure to mail it back to Dawn Stewart at: NICO Insurance Services 7290 Navajo Road, Ste. 111 San Diego, CA 92119