I recommend Ezra very highly for your insurance needs. He solved a health insurance conundrum for us that we have had for years. All under a tough timeline. He also went the extra mile to notice other places we could use services and recommended some really capable professionals. I am so grateful that there is someone who still has creativity and the time of day for smaller businesses. Its hard to come by these days. read more

What would I do without Ezra? Taking care of my own health insurance is complicated, and scary. Multiply that by 10 employees and their families, and the situation freezes you in your boots.. I was overwhelmed, and Ezra took me under his wing of knowledge and care, and helped me feel at ease through the process. Thank you Ezra for being there, times 10x for me and my people. Brad Butler, Bicycle Coffee read more

Ezra Herzog literally saved my life today. When my insurance coverage was threatened and it seemed nobody could help, Ezra stepped up and got the job done, insuring crucial coverage for the coming year. After weeks of trying to effect changes to my insurance plan on the wonky Covered California website, I was in tears and desperate for help. I'd been assigned an agent that spoke little English and had no idea how to get competent help in time for the enrollment deadline. Fortunately a friend clued me in to the fact that local help was available, I clicked through and found Ezra. He returned my call within minutes, was pleasant, very reassuring and calming, and got my plan rolling in no time. Ezra gave me professional advice I hadn't gotten through other advisors, and reminded me to check in the next week on several punch list items with my insurance provider. Not only did he do in less than ten minutes what had taken over a month of trying to get done, but he also pointed out several pitfalls to avoid, and to set reminders at various points during the year that will keep my health coverage rolling along smoothly. Never met a nicer provider, and he's one I'll stick with. Thank you, Ezra! read more

Service is excellent!!! I am an independent contractor and with everything going on in Mid-March with COVID-19 he took his time to answer all my questions and get the right medical package that fits my needs. Ezra is awesome!!! read more

Ezra Herzog has been a lifesaver for myself and my company, Meakins Law, for the last several years. I had provided health insurance for our team members since opening my practice, but my approach to coverage was haphazard and uninformed. It's tough to stay on top of competitive, great health insurance, let alone the legalities involved. Then I met Ezra, and everything changed! He graciously offered to come to the office for a casual meet-and-greet, and he answered questions for our team, after he had worked with me to tailor our offerings for what was best for our team. I was pregnant at the time, and Ezra took the time to search out the most amazing plan for my pregnancy, which we have been really happy with. Anytime we have to make a switch for one reason or another, Ezra is responsive, creative, and so helpful. I feel supported by his work... he helps free up my time so that I can do MY work. Thank you so much Ezra! read more

Ezra is not your normal insurance rep. He is a dedicated individual that works in the Covered California game because he wants to help people find the best health insurance to fit their individual or family needs. I work in a coworking with space with him so I have witnessed his interactions with his clients on a regular basis. All I can say is that he is truly inspirational. Not only did he work through the Covered California deadlines like he was an accountant drowning in receipts right before April 15th, but he did so with grace and complete understanding for his clients' personal situations...no matter how disorganized the State of California got/was with their own program. I have referred many people to him, and they all are completely happy with the options he helped them to choose. If you are looking for insurance answers and want an honest, hardworking rep by your side, Ezra is the only guy you should be talking to. read more

Ezra was a tremendous help for me when I needed new insurance as an independent contractor. He listened to what I was looking for, helped educate on areas I was looking for help on, and guided me through selecting a good health care plan through Covered California. We then sat together going through the actual website application system, made sure all my documents were correct and got uploaded as needed, and just really smoothly got everything up and running. Best of all he was never pushing me for extra policies I didn't need (I've had that experience elsewhere and it originally made me give up on agents and try to go it alone). Ezra has changed my mind about how useful having an agent can be. I can't recommend him enough! read more

Ezra Herzog is a very genuine, honest and hardworking person. He always goes above and beyond for his clients to make sure they find the insurance solution that is right for them. If you're an independent business professional or part of a small organization that is looking to rethink your coverage and costs, I highly recommend Ezra. He will help you find the solution that is right for you and your team! Sincerely, Michele M. read more

I am self-employed and had Blue Shield plan I was happy with for several years. Each year the cost went up a bit and when I hit 45 it took another big jump. I figured that was just par for the course and there wasn't much I could do about it. I had Ezra review my coverage on a whim after learning about his services. Wow. He found me a comparable but different policy that saves me almost $200/mo. Most importantly was how it felt to work with him - he laid out my options in a way I could understand and patiently and pleasantly went through the pros/cons of my choices. I felt totally supported and relieved at having someone to trust through the process. I never felt pushed into coverage that wasn't a right fit for me. As soon as the Affordable Care Act started happening this fall I got a notice from my new insurance that it would be discontinued due to the new regulations. About 2 days laterI got a call from Ezra to meet and discuss all my options. Ezra has immersed himself in the new regulations and been trained on California exchange platform. We've met once already and I'm confident that I'll make the right choices thanks to his expertise. read more

Ezra Herzog has been guiding me through the process of finding new medical and dental insurance plans for myself and my kids. I have found him to be very professional, very knowledgeable, and very capable. He answers emails promptly and clearly. He calls on time as planned. I am extremely grateful that I was referred to him. I have a couple pre-existing conditions, and Ezra has the right mix of patience and assertiveness to move the application process through the labyrinth of health insurance companies. He guided me on the initial applications, on getting letters of recommendation from my doctors (I knew nothing about those), and he handled appeal letters to the insurance companies. One of our (3-way) phone calls with an insurance company took 1 hour and 45 minutes, and never once did I hear him become impatient. He treated each admin with the same respect and patience he shows me as we got passed from one office to another. This has the effect of putting me at ease even in an exhausting phone call. When I started working with Ezra, I had been in the vulnerable position of trying to (1) sort through the confusing set of medical plan choices with endless features to compare, and (2) lay out all my medical conditions in the process, while (3) feeling cynical after being burnt by my last medical plan. Ezra's respectful approach to gathering my medical history struck just the right note for me. He has a very cool web tool that lets me compare my own customized set of medical plans (collapsing or displaying features). His knowledge of the medical insurance industry gives me confidence that I'm not missing something. I am getting all his help and guidance free of charge - he will be compensated as a broker by the insurance company. I'll update my review after I get set up in my new plan. I highly recommend Ezra as a medical insurance broker. read more

Ezra helped me with Covered California and I found him knowledgeable, patient, and kind. I really appreciated his straight forward and clear communication! read more

Ezra is a god send for a small business like me. What I love about Ezra is that he asks you what exactly you're looking for in a healthcare plan. He understands the ins and outs and is very knowledgeable about what each plan offers. Ezra is prompt In returning emails and is professional and direct with his responses. I have worked with Ezra for the last three years and trust his guidance. Thank you Ezra!! read more

My experience and knowledge of the health insurance field is extremely limited. Ezra showed incredible patients and resolve in working with me and helping me navigate a foreign landscape. Thank you for your exceptional hard work and diligence Ezra. read more

Ezra went above and beyond to help our small business get set up with a new company health insurance plan. We needed to get a plan in place ASAP and ran into a wall with Covered California for small businesses (which I now understand happens with great frequency). We also looked into going through our payroll company to get a health insurance plan started, but their turnaround time was 2-3 months; that long timeframe was not going to work for us, we needed to get our employees covered in a timely manner. Ezra laid out many options for us, answered our many many questions, and still got the plan all set up for us accurately before the new month began. He's amazing! We highly recommend his services and will use him again as our company grows. Thank you, Ezra! read more

I found Ezra through a search on Yelp and feel extremely lucky. I broke my wrist ten days before my short-term health plan expired, and received a 300% surcharge from the company to transition to a long-term plan, which would have put it into an outrageous fee range. Ezra helped me understand my options, even knowing that I was currently looking for jobs that would provide comprehensive health coverage and might only be under an independent plan for a few months--meaning that he was investing a lot of time working with me without any promises on my end. He was thorough, and quickly guided me through the process of applying to two more plans, including submitting supplemental information that was the difference between being denied and getting coverage. I was accepted to one of the two plans with a 25% surcharge--significantly cheaper than the option I'd found on my own. I am grateful for all of his help, his professionalism, and his cool and calm demeanor. Highly recommend working with him! read more

Prompt replies, super easy to work with. He finds what is best for you. I trust him and am so relieved to have my insurance problems solved !!! I highly recommend Ezra !! read more

Ezra was VERY helpful with navigating the world of health insurance options for our small business. We have one employee that wanted basic coverage. Ezra explained our options and didn't pressure us to choose something more expensive. I really appreciate this. He made what I imagine to be a painful process pretty painless, helping with paper work, always available to answer questions and got our employee insured as quickly as possible. read more

I appreciated Ezra's support to guide me through the jungle of different insurances. He was clear and supportive and mailed me an overview of all the different packages available. I than could look at everything and take my time. Than he spend a good amount of time to consult me and help me figure out what is the best for me at this point in my life. Thanks Ezra! read more

I wonder about the authenticity of the 5-star reviews, as my experience was overwhelmingly negative. I am giving Ezra two stars instead of one because he did help clarify an issue I had, but otherwise I was very uncomfortable with his approach and demeanor. I called Ezra because I was having trouble with my CoveredCA application and the site offers a list of local agents. His number was on the top, so I gave him a try. The tone of the conversation was rushed from the start - I understand he is busy, but health insurance is a bit complicated at times, so it wasn't helpful for him to be so impatient. He told me right away that he is the best at this because he has been doing this for five years. I thought his arrogance was a bit off-putting but figured it didn't matter as long as he could help me. Anyway, I told him that I had Kaiser and preferred to keep Kaiser for healthcare, and he told me that he only receives $50 if he signs people up for Kaiser, so other people could help me if I wanted, although he would help me if I wanted his help. It was awkward, since I wanted help but understood that he was reluctant to proceed, given the small commission he would receive. Covered California is for people with lower incomes who need assistance. I understand it is his business, but this is my health and my finances and I just wanted help to submit my application and choose the best plan, regardless of how he would profit. He made it clear that although he was annoyed that he wouldn't make much money with me, he would help me because he wants to help. Had I continued soliciting his services, I'm not convinced he would have actually helped me. The message was mixed. He mentioned the $50 commission he receives at least once or twice more, which to me sounded like I was wasting his time. He spoke to me as if I was stupid. It's so frustrating to figure out state health benefits, and it doesn't help if the agent is condescending. He constantly interrupted me, saying that he could help me if I worked with him, which I was trying to do, but was a little stunned at how demeaning his tone was. You know when you can tell that someone thinks you're incapable? This was one of those times. I know that people working in health care must get frustrated with questions they have been asked many times. But I was polite and attempted to clarify my questions as best I could, and it didn't matter. He only had twenty minutes for the call and we ran out of time, and said he would get in touch next week. so I decided to call another agency and they were nicer and more helpful. My advice? Be nice to people unless you have reason not to - we are all trying to get by. read more

This was one of the best companies I have ever worked with.  I am not a big company- I have 4 full time employees, but the time and attention paid to me was great.  Ezra was always available for my sometime very annoying and repetitive questions.  I would highly reccommend him to any business owner.  Thank you Ezra! read more

Ezra is able to explain complicated insurance issues and facts in ways that a regular person can understand. Fast , easy , knowledgeable about the details ! Thank you so much for the patient and timely help with our families insurance needs. Best Wishes ! Johnny read more

Ezra went above and beyond to help us understand and source a group health plan for our small business. He was generous with his time and practical in his advice. I wholeheartedly recommend him for any small business seeking health plan solutions. read more

It has been a pleasure working with Ezra. I first worked with him 6 months ago when I recently started my own business and needed individual health insurance for my husband and me. I had researched plans through covered ca, but Ezra had more plans and options to choose from with the added benefit of having a resource to ask questions about each plan directly. It was easy to set up an initial call, and even though I had a super small plan, Ezra treated my case with as much attentiveness as a larger case. Then, this month, I wanted to add dental and eye insurance to my plan and Ezra (again) promptly responded to my concerns and assisted me. I highly recommend working with Ezra. read more

Ezra was absolutely great to work with! I lost my job due to coivd and was indeed of quality insurance at a low price. Ezra was extremely helpful and made the whole process very easy! Highly recommend!! read more

Ezra is a miracle worker! I tried to navigate the websites on my own, but it was daunting. In one hour Ezra helped me find better coverage than I had, and saved me hundreds of dollars. I felt like I finally had someone on my side. I highly recommend Ezra. I'm telling ALL my friends to go see him! read more

Ezra Herzog has been very helpful to us as we've navigated appropriate group health insurance options for our small business. He has a thorough understanding of the market, can boil down the options into comprehensible choices, and understands how to dramatically reduce the amount of time we have to spend figuring out what to do as the insurance options constantly change. He is open minded and can break down options among HMOs, PPOs, both comparing insurance companies and evaluating various levels of costs and coverage within the same programs. He also is available to our employees to consult about their choices. HIs consultations are well organized and direct, which is important since there's so much unnecessary complexity in the market. I wouldn't want to try to do this for my small business without this kind of help, so very glad to have found him. Highly recommended. read more

I'm typically very DIY. I thought I knew what I was doing this month when I no longer qualified for Medi-Cal. A friend recommended Ezra because I knew it was time to switch to Kaiser. Problem is, there are too many options. Ezra helped break it down very easily to find a plan that fit my needs and circumstances. This dude is amazing and very easy to work with. Highly recommend. read more

Wow! Ezra is a life saver! After an extremely difficult year with health challenges and utter disenfranchisement with my health insurance experience, Ezra is an oasis in what has been the driest desert. To sum him up in a few words, he is both equally extremely smart and genuinely all heart. Thank you, thank you, thank you so much, Ezra! read more

Ezra is as good as it gets when it comes to dealing with the complexities of insurance, covered California, mediCal, etc. He is always at the ready to go that extra mile for you, and does so whenever it is required. If they gave a Nobel prize for managing all of the above, Ezra would be the first to receive it I'm sure. Thank you Ezra! read more

Ezra held my hand through the harowing process of getting new health insurance as a self employeed person. He spent a large amount of his time explaing the ins and out of my insuarnce choices and then calling the insurers with me on the line to make the change. Then when I called the insurance co the next week to make sure the changes had been made, lo and behold! They had no record of the change or even of my call. Hmm. Interesting. Well, I let Ezra know this and he striaghted it all out right away. This is the first time I have used a broker to purchase health insurance and I am kicking myself for not doing it earlier. I don't pay anything for his help (the insurance co pays his commision) and I get an informed advocate on my side. Thanks Ezra! read more

Ezra was great! This was the second (or third) time around we've utilized his services. He basically helped us take care of everything from A to Z on navigating the insurance market, and getting us qualified for a policy under Covered CA, and for our kids' policies as well. And then he took care of all of the enrollment processes, etc. Quite frankly, I'm not sure how we would have figured everything out otherwise. Getting health care coverage can be quite complicated, in particular when you're going through Covered CA; definitely much more than meets the eye. Thanks Ezra! read more

I asked Ezra for help renewing my Covered CA insurance and had a very different experience than other Yelp reviewers. It makes me wonder if he paid people to post 5* reviews. The biggest reason I wanted to use a broker was to have an expert tell me which plan was the best for my situation and twice, he seemed to direct me toward a plan that wasn't in my best interest. I felt like I wasted 30 minutes of my time. He only takes appointments by phone. I told him I wanted his help in determining the best policy for me and hoped he could renew my policy so I wouldn't have to deal with Covered CA directly and he said he could help. At one point, he suggested that I get a policy directly from Kaiser since he'd get an extra $50 commission that way. I told him I thought applying through Covered CA would save me money and asked him what the income limits were for the tax credits. After fumbling around for a while he determined that, yes, I would save about $3,000 per year going with Covered CA. He got very confused and frustrated when he asked me to log on to the Covered CA website and it came up with the renewal page (which it does automatically if you're renewing) instead of the home page that he'd expected. As our time was running out and he hadn't provided any direction on choosing a health plan, I asked again if he could recommend the best plan for me. Without asking anything about my health or how I use health care, he said he liked the Kaiser Silver plan. I asked how he could recommend a plan without knowing anything about me and, sounding exasperated, he said that it hadn't been a recommendation and that I just needed to go onto the Covered CA website and choose a plan I liked. (I could have done that easier myself.) We made an appointment for a second call to finish up the process but I cancelled that appointment. Maybe we would have connected better and finished the process but I just didn't trust him after the first call. He did submit a partial application on Covered CA for me which is the only reason he got two stars instead of one. read more

i see someone else who basically had the same experience with this guy. He began the conversation by saying that he doesn't get paid for this work. i suppose if i hadn't told him that he needn't have called me back to tell me that, thank him for his time and hang up, he would have tried, like he did with Sean B. to sell me on an alternate plan. Don't waste your time. read more

Ezra handles all my insurance needs. He has always been responsive and taken the time to make sure I understand all my options. There have been numerous times, after reviewing my existing policies, that he has advised me not to make any adjustments or change carriers even though he could have earned a fee. I appreciate his honesty and care. Insurance is a complicated business and it's nice to have a guide you can trust. read more

I have been without insurance for sometime. I made the mistake of trying to apply on-line myself. I knew when I hit submit, it was a mistake. I immediately went on-line to find references for Insurance brokers. I found this miracle worker. Even though I thoroughly mucked things up Ezra got me out of the mess and I have had insurance that started on January 1st. We setup a meeting immediately, and he got things figured out and sent me on my way. Do not wait another day. It is the best thing I did in 2013. It is not too late, but you have to hurry. I am sure Ezra is very busy, and if you want the best, and you want it done within the open enrollment time, you are running out of time. Don't make my mistake. Go for the best broker you can find. And funnily enough you are at the right place, with the correct guy. Better to do it right the first time, take my word for it. I have already seen the positive results. Good Luck, Good Health. Say Hi from me. read more

Ezra has been helping me navigate the world of medical insurance since 2013. When I first reached out to him, I didn't even know what an Insurance Broker was and was happily surprised to learn that his services would cost me nothing! Free advise and assistance in setting up good medical insurance for my particular needs. AMAZING! Ezra, thank you for your continued support & expertise : ) read more

Integrative Insurance solutions is by far the best consulting group headed by Ezra.I have been in owning my own business for last 16 years and had numerous agencies approached me for a quote in the past, They all are so pushy to in force what they want to sell not what business owner wants but Ezra At Integrative Insurance gave me the option of several quotes and not once he was Pushy like other sales reps, I just bought another business and will contact ezra Again for my insurance needs. read more

I highly recommend talking to Ezra whether you're an individual looking for a policy on a tight budget, someone with complex health issues, or a business looking to insure your employees. I told him up front that there wasn't much room in my budget for health insurance, but he still spent a lot of time walking me through the entire process, answering all of my questions, and pointing out the questions I should have been asking in the first place. Most importantly, Ezra helped me when a complication arose during my application process. Not only did he give me advice that demonstrated his experience, he put me at ease in a very stressful situation. Helping people make important health decisions is about more than understanding the terms of policies or the quality of provider networks, it's about taking the time to understand people. Ezra does both of these things very well. read more

Ezra knows all of the confusing ins and outs of the insurance business and is good at explaining the terms in plain english. He's empathetic to your situation and will even recommend options outside of the companies he's affiliated with. Thumbs up! read more

Ezra was really helpful to me when I was signing up for health insurance this year. It's my first time getting insurance on my own, and he helped me navigate the covered California website with ease. He gave really good tips about insurance, he was patient with my questions and kind with his answers. And there was no fee for his service, so all the better. I feel so much better with Ezra in my corner. read more