Licensed Health Insurance Agent, California
Licensed Health Insurance Agent Serving California
Helping Seniors in California Find the Right Health Coverage, Free of Charge
Health is confusing. Getting the right plan doesn't have to be.
I'm Binta Patel, a licensed health insurance agent serving California. I help seniors turn 65, review their current coverage, and find plans that actually fit their life and budget. Free consultations, no pressure, ever.
13+
Years in Healthcare
7-Month
Enrollment Window
$0
Cost to You
Why California Seniors Trust Zen Insurance Services
Why seniors in California trust Binta Patel
Founder & CEO | MBA, CPC, CPB, CPCO · Licensed Health Insurance Agent, California
Most insurance agents learned the business from the insurance side. I learned it from inside the healthcare system itself.
For over 13 years, I've worked in medical billing and revenue cycle management, reading denial letters, untangling billing codes, and watching firsthand what happens when someone chooses the wrong plan. I've seen the unexpected bills. I've seen the coverage gaps no one warned anyone about.
That experience is what brought me to health insurance. I became a licensed agent because I knew I could help seniors navigate this system in a way most agents simply can't, not just from the brochure, but from the inside out.
I'm also your neighbor. I've lived in California for over 25 years. When you sit down with me, you're not talking to a call center. You're talking to someone who genuinely cares about getting your coverage right.
"I became a licensed agent so seniors get answers from someone who's actually seen this system from the inside, and so I can give back to the community that's been my home for 25 years."
- Binta Patel
Giving back: Binta is an active member of the Rotary Club and a supporter of the Sankara Eye Foundation, continuing her commitment to the California community beyond her practice.
MBA · CPC · CPB · CPCO · Licensed Health Insurance Agent, California
Founder & CEO, Insurance Services By Zen LLC · NPN# 22070681
How It Works
A free, no-pressure path to the right plan
1
Free Consultation
We talk through your doctors, medications, budget, and where you are in your health journey, turning 65, or already enrolled.
2
Compare Your Options
I compare health Advantage, Medigap, and Part D plans across carriers side by side, so you see exactly what each one covers and costs.
3
Enroll With Confidence
I help you enroll in the right plan before your window closes, and check back with you every year to make sure it still fits.
Health Plans We Help You Navigate in California
How I can help you
Health Advantage Plans in California
Medigap / Health Supplement Plans
Part D Prescription Drug Plans
Special Enrollment Periods, Am I Eligible?
1
Turning 65 Soon?
Your health enrollment window is only 7 months long, and missing it can mean permanent penalties. I'll walk you through every step, compare your options, and make sure you start health with the right coverage from day one.
3
Prescription Drug Costs Too High?
Part D plans are not all the same. The right plan for your specific medications can make a dramatic difference in what you pay at the pharmacy. I'll compare plans side by side and find the one that works for you.
2
Already on health, But Not Sure It's the Right Plan?
Plans change every year. Your doctor, your medications, your premiums, all of it can shift without a phone call from anyone. A free annual plan review takes 30 minutes and could save you hundreds.
4
Want Dental, Vision, or Hearing Coverage?
Original health doesn't cover these. But some health Advantage plans do, and the right one for your situation may cost you nothing extra per month. Let's find out together.
Licensed · Experienced · Local
Serving California seniors for over a decade of combined healthcare experience
Binta Patel brings 13+ years of healthcare and billing expertise to every health consultation, helping seniors across California, Santa Clara County, and the Bay Area choose coverage with confidence.
Get a Free health Consultation in California
Let's talk, it's free
Whether you're turning 65 next year, reviewing a plan that no longer feels right, or just trying to understand what health covers, I'm happy to help. No cost. No commitment. Just a real conversation.
Reach Binta directly
Licensed Health Insurance Agent, California