Charise Karjala

Meet Charise Karjala For more than 20 years, I have worked in insurance with one guiding principle: insurance should solve a problem, not create another one. I'm Charise Karjala, a Health Markets Insurance Agent, specializing in helping individuals, families, self-employed professionals, retirees and business owners understand their insurance options and make informed decisions. My practice serves clients throughout Southern California and the Inland Empire, as well as Arizona and Nevada. Whether someone is approaching Medicare, reviewing an existing policy, losing employer coverage, starting a business or simply wondering if they're paying too much for the wrong coverage, I believe every conversation should begin with listening. Medicare & Health Insurance Planning Medicare is an important part of my practice, particularly helping people understand their choices as they approach age 65 and reviewing existing coverage as their health, medications, finances and plan benefits change. I use a simple four-point approach to Medicare reviews: Doctors. Prescriptions. Financial exposure. Your life. “A Medicare plan review isn't about changing plans. It's about knowing whether you should stay or change.” — Charise Karjala I also work extensively with people under 65 who need individual and family health insurance, including self-employed individuals and people transitioning from employer-sponsored coverage. Helping Business Owners Think Differently About Benefits Small-business owners face a different set of challenges. I help employers explore health insurance and employee-benefit strategies, including traditional group benefits and options such as ICHRA (Individual Coverage Health Reimbursement Arrangements). The goal isn't simply to offer insurance. It's to understand what the business is trying to accomplish, what employees need and what the company can realistically afford. Health, Wealth & Protecting What You've Built Health insurance is only one piece of financial protection. My work can also include life insurance, disability income protection, dental and vision coverage, and supplemental health solutions. I call this the connection between health and wealth. An insurance decision can have consequences far beyond the monthly premium. “Don't just ask what insurance costs to own. Ask what it could cost you not to have the right protection when you need it.” — Charise Karjala Questions Are Welcome Insurance can be complicated. Asking questions shouldn't be. I enjoy working with people who want someone to explain their choices in plain English—and I'm not afraid to have a little fun along the way. No question is too big or too small. My job is to help you understand the choices in front of you so that you can make an informed decision with confidence. Charise Karjala HealthMarkets Insurance Agent Medicare • Individual & Family Health Insurance • Small-Business Benefits • Life & Supplemental Insurance Serving Southern California, Arizona & Nevada