Brad was awesome helping my husband and I get health insurance. He found us a great plan and also recommended an additional plan. Knows a lot about health insurance and great followup! Dan McLean read more

Reached out to Allpointe for some consulting relating to Group Medical Coverage. Called back same-day by Brad and he was extremely generous with his time and knowledge. I can't recommend him enough. If you're on the fence, reach out today! read more

I was introduced to Brad and Allpointe right before we were getting ready for open enrollment. Timing was rushed and the Allpointe team pulled everything together in an amazing way. I certainly did not expect to be so thrilled with their service and they did not complain at all about the short turnaround time...they just made it happen! Brad and the team are A+ and I am very happy that we have a benefits partner we can count on for years to come. read more

I've used Allpointe for years and highly recommend them. Any time I have questions or concerns, answers are a quick email or phone call away. I feel like I have a partner that truly helps me navigate benefits and healthcare for my employees and they have a slick portal that makes compliance super simple for new and existing employees (forms, signups, etc..). I'd never consider trusting anyone else with my business. read more

I had insurance through work for years. Then I didn't. And when you don't, it's not like you can go out and simply get it. Oh, wait! You CAN, but it'll cost you. Fortunately, I got a priceless referral from a friend to Brad at Allpointe. While I still pay a pretty penny for insurance, Brad helped me find the best plan to fit my needs. (And it's totally not his fault about the pretty penny, by the way. Insurance companies are a scam and a total rip off. But I digress.) Bottom line: If you're in need of insurance, call Brad. He's knowledgeable and patient, and won't disappear into the ether when you have either ridiculous or legitimate questions regarding your policy... not to mention he's professional and didn't seem to bat an eye at any of my neurotic emails. Thanks, Brad! read more

I can barely talk about the health care system without going into cardiac arrest. We are just the most fucked up, backwards, inhumane country when it comes to this issue. I know, I'm singing to the choir. Still, if my mother asks me one more time why I can't get health insurance, i'm going to shove my hand through a wall, and then not get proper medical care, and lose the use of my hand, possibly develop a staph infection, and die a slow painful death because it would have cost me 70,000 dollars out of pocket just to be admitted to the hospital that is literally right around the corner from my house. I cannot get health insurance, plain and simple. I am self employed, with pre-existing conditions, that includes getting prescribed allergy medicine (flonase, Zyrtec) 3 years ago. That's where Brad comes in. I found him on a thread about insurance on this here website. I called him immediately. He didn't have to help me, because it was obvious there wasn't going to be any ins. company commission in this. But he didn't just help me, he empathized with me. He laughed and cried with me. And most of all he helped me--with some ideas and options I would never have known existed (because the health ins. companies want to keep their deep dark secrets). Brad really knows his stuff. I am a happier/healthier woman today. Just from this phone-call. I was even able to call my mother and let her know that even though she comes from a generation where health insurance was cheap and a given, I at-least have a band-aid, that will cover me if indeed I put my hand through a wall. Brad Vaccaro--you are a miracle worker! read more

I met Brad a few years ago when I worked as the benefits administrator for a small software company. I was immediately impressed by his "realness". I felt like he totally understood our needs and often anticipated needs even before we could fully articulate them. He is very responsive and resourceful, and I always felt it was his genuine mission to help us find the best solution for our company's needs. He never tried to steer us in one direction or the other for personal gain. As others reviewers have mentioned, he is paid broker fees by insurance companies. You do not pay anything extra to use his service, but save a lot of time and hassle. He can cut through red tape, and is very knowledgeable about all the options out there. Brad helped me implement a comprehensive insurance plan for our staff of 23, giving us multiple health plans to choose from, plus dental and vision. He came in and met with employees to explain plan options in more detail and even created a benefits at a glance grid incorporating all the plan options (saving me hours of effort and headache doing this myself.) A few months down the line we added more employees out of state, and he helped me talk them all through the insurance forms and plans via on-line conferencing. Whenever an employee had a coverage issue, or we needed extra support working through some glitch with a carrier, Brad was always available to advocate on our behalf and help resolve things. When our company (sadly) went out of business recently, Brad helped me find an individual plan for myself and my family. When some of my former co-workers started up a new business, they told me they used Brad and he has been (not surprisingly) a pleasure to work with. I have referred many friends and colleagues to him, and will continue to do so. read more

Allpointe has been fantastic to work with. As a very small start-up, we received attention and action quicker than one would presume our size warrants. Brad and Carolyn have been a joy to work with. read more

Brad was extremely knowledgeable about all the different types of health insurance out there, and helped me quickly find the best one that I would qualify for. If you've ever delved into the world of health insurance, and tried to figure it all out yourself, you'll know that this is no small feat. Initially, I tried applying for insurance by myself, using one of the online insurance sites. I pored through online insurance information, wasted several hours applying for different insurance packages online, and got rejected every time for ridiculous reasons, with incomprehensible explanations. Brad talked to me for about 5 minutes and was immediately able to recommend a plan, email me the application, and then submitted it before the end of that day. I was approved within a few days and finally don't have to worry about it anymore! Best of all, his broker fee is baked right in to your insurance premium. You would pay it directly to the insurance company anyway, so you pay the same amount, whether you apply through an online portal or get customized help from someone like Brad. I was more than happy to have that fee go to Brad, since he actually helped me and made sense when I talked to him on the phone, which is way more than I can say for the insurance company that I called. read more

Brad and his team are amazing. They helped my small business get health insurance. The process was so easy and convenient. They are always willing to help and very responsive. They know what they are doing and I highly recommend using their services. read more

I highly recommend Brad Vaccaro and Allpointe Insurance Services. Brad helped me figure out a more appropriate plan and we were able to lower my monthly insurance payments by over $200. What a relief! Aside from the financial help though, Brad was very attentive and patient in answering my many questions, calls and emails. I felt comfortable talking to him, which is really important given that health insurance can be a rather personal subject. Also, he has a program on his website where you can put in all your details and get information on varies plans and rates. It is nice to be able to browse what is out there in a comprehensive summary. Overall, I was thrilled with the service and the results! And one more thing, I am based in LA, so even though the business says San Francisco, Brad can help you even if you are not in SF! read more

I've worked with Brad for 3 years and he has been an excellent insurance broker for my business (a preschool). He started with us from the very beginning and was so patient, organized, and thorough. Bradley Vaccaro was easy to access and always responsive. He has handled our health benefits and offered HR advice in a timely manner from the time our school opened in 2017. He has also offered support and personal recommendations as a fellow small business owner. We were so impressed with how responsive and helpful he was during the shelter in place order and was so helpful in helping us understand how to get our PPP loan and connecting us to resources. We hope you will consider using Bradley Vaccaro from Allpointe Insurance for you business too! read more

For an employer seeking medical, dental, or vision benefits, All-Pointe Insurance Services is the BEST time and money investment for your company. Brad and his team will provide the best resources for your company / employees. He is honest, patient, and always available / responsive to both the company and individual employee questions / issues. As a former Big Four consultant who has exposure working with many, many professionals in the field, Brad is exceptional. I'd rate Brad in the top 1% in my interactions for his professionalism, responsiveness, and his unwavering willingness to go above and beyond. In 2016, I was the HR / benefits administrator at a software startup of ~40 employees, and one of the company's major perks was to offer 100% medical, dental, and vision paid benefits for employees. There are numerous ways that a company could go wrong here, but trusting that Brad would be there to assist helped relieve a huge weight on my shoulders. Day or night, I could call or e-mail Brad, and he'd have an immediate solution very quickly in his response, usually within minutes or hours. Not only does Brad set up the right insurance initially, he will on an annual basis help the company re-evaluate the insurance policies and discounts to continually offer the best in class benefits package for the employer cost. In 2016, I was able to customize the plan and add on certain employee requested benefits like chiro or acupuncture for a very minor, incremental cost. Even though I have a high level familiarity of benefits, I had an immense responsibility in the operations of the company like finance, facilities, etc that required my constant attention...Brad relieved a lot of the benefits issues that I had to deal with which at times were an almost daily basis. Much of what I learned about this subject matter was on the job at this company for the first time. Without him, I really don't know if I would feel as confident that I was making the right decisions for the company. And to Brad's credit, I'm not always an easy partner to deal with especially in regards in how demanding I can be for detailed answers to my questions. From on-boarding, regulatory compliance, third party administrator of commuter / health spending accounts, individual medical / dental concerns / cost planning - he will make personally ensure both the company and the employees have the right information to make the best decisions possible. Brad is embracing better technology and tools for his clients, which is an absolute bonus and a time saver, and an outlier for companies his size. Even after I left the company, I personally had an onslaught of medical and dental providers, billing, and issues including dealing with a nasty situation with getting COBRA in effect after I returned from an overseas trip. Brad gave me solid advice on handling the costs, the providers. Brad even personally made sure that my COBRA continuation benefits were remediated the day I called him even though the TPA said it would take 4-6 weeks!? and I'd have to pay out of pocket for expensive durable medical equipment and surgery until then -GRRRRRR I don't normally extend myself as a reference, but if you're looking to get to know Brad more, please reach out. I'd be happy to recommend All Pointe's services without reservation! read more

I first learned about Brad and Allpointe when viewing a publication on the Dogpatch and Potrero Merchants Association, although you don't have to live in this area to get service. Everyone should have insurance, and a lot us 20 somethings have been stuck without it. After reading his ad and visiting his website, I realized that his goal was to make insurance easy to understand and easy to obtain. We exchanged emails and had a few phone conversations regarding my insurance needs and my budget. All communication was both personal and professional. I am now insured and I cannot thank Brad enough for his service and his passion. Insurance companies and individuals would benefit if their were more people like Brad out there. Highest Recommendation for Allpointe Insurance Services. read more

Brad KNOWS health insurance. I was skeptical of all these great reviews on yelp, because oftentimes, they're friends of the business owner...but in this case, Brad really is the man when it comes to your health insurance needs. Biyah! read more

Bradley and Madhu are amazing! Bradley gave great pointers as to pros and cons of the different insurance companies and which would best fit my needs. They are patient, efficient, and have answered all my requests in a timely manner. I get the feeling they really care about their work and are there to help in whatever way they can. The best part is that when I was having challenges with getting reimbursement, they went to bat for me. Due to their diligence and persistence I have received over $600 in reimbursement to date. The medical companies are such a pain to deal with directly that it's sheer folly to go it alone without the help of an agent. These guys are the best. Truly, I would give them 100 stars if I could. Thanks! read more

I do not write reviews for yelp often. That's to say that it takes above and beyond service/relationship/experience for me to make the effort to do so. My husband and I were both self employed when we reached out to Brad for help in choosing our health insurance. That year we were also planning on a pregnancy and wanted to make sure we had the kind of coverage that would support that medical experience. Not only was Brad responsive he took the time to really understand our needs and our budget and made excellent recommendations for our insurance. He really held the process through to the end: He made it turn key and easy, he kept us updated on our applications, he answered all of our little and big questions along the way and made us feel like we were his only client. But, the gem of this whole story is that we had a nightmare of a situation with Blue Shield when we tried to cancel our old plans for these new plans. Even though they were not our agent when we purchased those plans they helped us unravel, solve and get our money back from Blue Shield who was refusing to help us after months and hours on the phone. If they didn't help us we would be out almost $1000 in money owed to us. They are a stellar team, good people and excellent at what they do. I will never buy insurance without an agent again and I will use Brad as long as he's doing this work. read more

Brad Vaccaro at Allpointe Insurance was recommended to me by a friend I really trust when it comes to the important stuff. Brad helped my husband and I navigate through the confusing world of health insurance plans. Knowing that we are self employed and wanting to keep our monthly nut down he found us a great plan to cover us. He was also able to add in maternity benefits to cover the birth of our 2nd child. Two thumbs way up for Brad and Allpointe Insurance he is great at what he does - straight forward and ultra responsive! read more

Brad Vaccaro and his company are great. Highly recommended! He's smart, patient and knows the health insurance biz. We have used him in the past and plan to again next year when we readjust our plans. Established, experienced, and easy to work with. read more

With another year of Obamacare, it's time for another 5-star review for Brad. Our current carrier left the California marketplace, and Brad helped our family figure out the best plan for us. He really helped in determining risk and selecting a plan. I can't thank Brad enough for the sense of assurance he brings to a difficult process. Thank you, Brad! read more

I reached out to them via telephone a short time ago to inquire regarding Covered California health insurance assistance. My call was answered by a lady who dismissively stated that they no longer assist with individual health coverage after claiming she couldn't hear/understand me during the initial moments of the conversation. Perhaps I called at a bad time as she sounded extremely irritable.. read more

If you own a small business and are learning about your options to get group heath insurance, call Brad now! As a small business owner, Brad helped us navigate the complicated matrix of health insurance and choose the right plan for my company and family. He is smart, accessible, experienced, caring and up to date with all the recent laws and changes. After working with several other brokers, it's clear Brad is in a class of his own. read more

I met Brad Vaccaro of Allpointe by chance at a community meeting at which he was presenting a summary of health care options in the new Universal Health Care system. I needed to purchase health insurance on my own for the first time ever (I had always had it through an employer), and on top of that I was in a year of financial transition, having just moved, and was in the process of stabilizing my income. This made projecting my income for a health insurance application difficult, as well as finding an affordable option, and I was feeling pretty pessimistic about the whole process. I hadn't realized until that point that I could work with an insurance broker for free (apparently there is built-in financing for "free advice" with our new, more-challenging-to-navigate health care system). I was a little skeptical but found Brad to be friendly and approachable. I was concerned that the fact that I wanted to spend as little money as possible - including considering not purchasing insurance at all - might be a reason that he would not want to work with me, but he was understanding and willing to consider the full range of financial options with me. In advising me, Brad was most concerned about best fit for my needs, and that was the best part about working with him. He was also knowledgeable and responsive and spent a significant amount of time talking with me on the phone and responding to many questions in many emails. Since I started working with Brad in late 2013, Brad suggested on a range of options that included a few stall tactics in which I could delay the purchase of insurance until a few months into 2014. Based on his advise I was able to find extremely low-cost, mostly-local coverage through February 2014 and delay purchase of a plan until March 2014. At this point I had a few more facts about my income and what I could afford. I was so grateful for this advice and I don't think I would have been aware of all the options for my situation on my own. Overall, working with Brad was an extremely positive experience. read more

I will try to keep this short. Bradley is amazing! I never knew an insurance agent could be so honest, helpful, and knowledgeable. I am beyond impressed with his services and the advice he gives. Bradley really goes out of his way to help you understand how insurance works and what you are getting. Thank you Bradley. I feel very lucky to have found you! read more

Brad helped us wade through our health coverage options in a way no one else has been able to do. I vote we send him to Washington to straighten out this mess! Not only is he conversant with the different options, he wrote to us to tell us that we only had 2 hours left to finish our application, figuring correctly that I had completely overlooked this deadline. No need to look further. Call Brad! read more

If you're a sole proprietor, Brad Vaccaro of Allpointe is the Insurance Agent for you. Not only does he know the ins and outs of different plans and policies, he's also generous with his time, and friendly in his demeanor. Highly recommend! read more

Brad just helped to navigate me through getting (new and improved) medical coverage. He is friendly, competent, and reliable. I would recommend him to anyone and will definitely go to him for all my future needs. read more

We worked with Bradley back in 2014-2016. Today we had a question about our policies back then and shot him an email this afternoon. He got back to us with answer in two hours. On a Sunday! We're not even current clients. You could not make a better a decision than choosing to work with him! read more

I was on a tight schedule for setting up a new health insurance plan post-COBRA and thanks to Brad it was set up in time. He always responded very quickly to e-mails, offered clear answers to my questions and provided the necessary information to review my options. Great! read more

These awesome guys help small companies and startups navigate the maze of legislation and operations needed for setting up company health insurance. With endless patience and cordiality. It was great to work with Bradley Vaccaro - he is always there for you (literally: he answers emails in seconds, any time) and seems not to be knowing the concept of 'silly question'. Their five Yelp stars definitely seem to be the output of consistent, excellent customer service and hard work. read more

I just got off the phone with Brad....and he answered all my insurance questions. He was well versed in all the various plans and issues regarding getting healthcare insurance. It's refreshing to speak to someone who will explain all this healthcare stuff in plain English. If anyone is looking for a healthcare plan....talk to Brad first! read more

I would highly suggest going to an insurance broker if you are in need of getting your own insurance. I called several brokers. Some didn't call me back. One quickly sent the forms and then I never heard from them again. One emailed me, but then disappeared for weeks. Now he keeps calling me harassing me. The others didn't really answer my questions or just confused me. Brad from Allpointe called me back that day and was able to answer all of my questions and more. I felt like he actually was listening to me. I was happy that I had this service. He emailed me the two plans that I could try to apply for. I have pre existing conditions, so who knows what will happen. I had questions so we emailed back and forth with one final phone meeting. He doesn't have an office so it is all email/fax/phone. It may take a few days to get in touch with him, which can be stressful in a stressful situation. So far that has been the only negative. But when you get to talk, he knows his stuff and will help you. The forms can be tricky to fill out and makes it much more clear. He definitely is the most knowledgeable. So, take advantage of this service. read more

I can't say enough wonderful words about Allpointe - Brad Vaccaro and Carla Arriola. Last year I moved back to the Bay Area after being covered for many years by universal health care abroad. In confused panic while trying to navigate my options Carla warmly and professionally assisted me. Following that, insurance Guru Brad gave me INCREDIBLY useful resources form his blog in addition to a call. They returned my initial inquiry within hours, found me an excellent plan and there was an open offer to call or email with any questions. You can't go wrong here. I would refer any and all friends and family! read more

Brad's team did a fantastic job helping our small business get set up quickly with health insurance. He's super responsive and did a terrific job making sense of a completely confusing system. I highly recommend Allpointe as an insurance broker for help with small business health insurance & employee benefits in San Francisco. read more

Recently, I found myself looking for health insurance for my family. I called some companies on my own, searched online, and after a few hours of this madness, I called Bradley at Allpointe. I'm glad I did. Because of my procrastinations in researching health coverage, I only had about 10 days left of my previous insurance before it lapsed. Brad was attentive, fast acting, and very fun to work with. Brad helped me understand many different complexities of the plans available to me. He spent the time to underscore small details of the fine-print. With his expertise, opinions, and guidance we made a great choice for my family. Thank you Brad! read more

Brad Vaccaro is extremely well-informed about health insurance options. He helped me choose and set up a program for my new small business. I am extremely satisfied that I both understand my options now and in the future, and also currently have the best possible deal. Brad is an excellent communicator and clearly knows how to handle all the operational details we needed to be on top of in order to navigate the very tricky waters of the health insurance world. I recommend Brad without hesitation to anyone who has health insurance needs. read more

I have recently moved to USA. and my employer took care of my health insurance till now. and when I wanted to buy my own health insurance, the options were overwhelming, and I didn't understand most of the insurance lingo. Brad has been really helpful, and responds very quickly for any queries. because of his help I now have a health insurance, which exactly suits my need. I am sure it would have taken lot more of my time, if I hadn't gotten help from Brad. read more

I've worked with Brad for over 4 years now. When I had my own small business, Brad was able to find the right plans that worked the best for my employees. He handled us with the attention anyone would want--highly detailed and willing to work with specific scenarios, no matter how time consuming it was--even though we were not his biggest clients. He knew what issues we were facing as an emerging company, and he made suggestions around that. When I transitioned out of that situation, he also worked to find me the best individual coverage. I was in between jobs and he was able to find something that suited my family's needs. He always has had the best rates. Oh, and it is worth mentioning that even though he was based in SF, he always made personal trips down to LA just to meet with us. I would highly recommend anyone wanting a health insurance broker, whether for business or personal reasons, to work with Brad. read more

My former small business used Allpointe for our employee benefits program in San Francisco and they provided excellent customer service for the 15 years we worked with them. They are super responsive and put forward several really great plans that my employees really valued. I can't recommend him enough! If I were to start another business, I would work with them again. read more

I cannot say enough good things about Brad from Allpointe. He is smart, down-to-earth, responsive, and did I say...smart?! He has unraveled the mystery of health insurance for this less than savvy employer and helped create an attractive benefits package in this challenging hiring market. In addition, our team simply loves him! I heard one colleague say the other day "Can you believe Brad is our 'health insurance' guy?". Highly recommended! read more