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    Endless Insurance Services

    5.0 (1 review)
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    5 years ago

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    Hayek Insurance Agency - The insurance card i receieved for the month "i didnt pay" when our auto pay has worked for 20 years

    Hayek Insurance Agency

    (43 reviews)

    I want others to be wary that using a 3rd party is useless and only resulted in me losing 999…read morerefills at $0 vs the 300 copay costing me over $299,700 based on my new co payment in the picture(s) below. They do not have access to any information from insurance we have been with them 20 years and because my salary changed so did my assisted coverage from the gov't. They blamed covered cal than i had a 3 way phone call and they blamed my actions with medi-cal(which i did what they asked) I have been paying for private insurance with 0 federal assistance which increased its rate by 300% almost 700 a month at 30 years old for 4 months(technically 3 because somehow magically i got my insurance card(again pictured below with email proof from hayek themselves but not the actual insurance.) As stated we have been on auto pay for 20 years and because of their negligence they messaged me 17 days into january to make the payment(even tho the policy was already cancelled and i was told by her higher up that she shouldve handled the occurence with blue shield instead of emailing me) i lost my policy number with my free 999 refills costing me over $299,700 based on my new co payment in the picture(s) below. This should be a crime and they should be fined/pay a restitution or closed for negligence.

    I'm not new to using insurance agents. I know a lot about insurance. I am so knowledgeable, I know…read morenot to try and navigate those waters on my own. Be it home, auto, earthquake, umbrella coverage, health, I have always preferred using the expertise of an independent (as opposed to captive) insurance agent. I've had my share of agents over years in the different venues I've lived in. Most of them have been fine. While shopping for health coverage for my recent college graduate kid and my not yet Medicare covered wife was not so easy, not a lot of agents want to handle individual health coverage. I happened into the Hayek Insurance Agency and all I can say is wow! Dealing with Roger Hayek was nothing short of outstanding. We were about to choose a plan on the Covered CA website, which as it turns out would have resulted in higher out of pocket expenses for us. Mr. Hayek took his time, did his research, ran the numbers, called back when he said he would, and had the exact information we needed tailored to our specific situation with an eye toward future possibilities. He was also able to explain in detail, without getting into the weeds, the reasons behind his approach. He saved us money on our Covered California policy in the long run, and provided us some great financial information on HSAs as well As long as Mr. Hayek is in the insurance business, we shall be his client for any and all of our insurance needs.

    Schulte Insurance Agency - Elizabeth LeDoux

    Schulte Insurance Agency

    (34 reviews)

    We decided to end our relationship with Ben Losin of Schulte Insurance after repeatedly struggling…read moreto reach him for assistance with our medical insurance. While he was initially usually attentive, over time it often took several days for calls and emails to be returned, which made navigating our coverage increasingly stressful. I had shared my health issues with Ben so he was aware of my condition, which made timely and clear communication especially important. Despite this, he consistently preferred phone conversations over providing written responses to important insurance questions. We explained that having information in writing was essential for us to reference later, but this request was not accommodated. This left us feeling uncertain and raised concerns about why written communication was avoided. The challenges became even more apparent as my husband's coverage grew more complex. Instead of guiding us directly, Ben encouraged us to contact the insurance company ourselves. Without a full understanding of the intricacies of the plans, this process became frustrating, time-consuming, and stressful, especially since we had engaged an insurance representative specifically to help navigate these issues. We hope our experience can serve as a caution to others so that no one else faces similar difficulties.

    Friendly, knowledgeable, helpful - totally great and easy to work with, I love family businesses!…read moreThank you so much!

    Endless Insurance Services - insurance - Updated May 2026

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