Independent guidance
Franco is not tied to one carrier. He compares the options he represents around the doctors, prescriptions, priorities and budget that matter to you.
MEET FRANCO STELLA
Insurance guidance should be easier to understand—and easier to use.
Franco Stella helps people make sense of Medicare, health insurance, life insurance and retirement-related coverage decisions before a rushed choice turns into an expensive problem.
19 years experience — Licensed in 14 states — 25+ carriers — English & Spanish · CA License #0F87776
A PERSONAL APPROACH TO A PERSONAL DECISION
Why Franco does this work
When I found myself between jobs, my family — already established in the insurance business — invited me to a training. Before long I was helping seniors in my community make sense of Medicare, and that's what turned into Franco Stella Insurance Services.
Most of the people I sit down with can't tell me the name of their plan, or whether they have Part C or Part D. That isn't their fault — nobody ever went through it with them. So a good deal of what I do is making sure people understand what they actually have, and how to get at the benefits that come with it. Coverage you don't know how to use isn't doing its job.
I'm a Cal State Long Beach alum and proud Temecula Valley resident — married, with a young son, and glad to help in both English and Spanish.
“Having the right amount of coverage is half the job. The other half is knowing what you have and how to use it.”
WHAT YOU CAN EXPECT
Guidance before enrollment. Support afterward.
Coverage should fit the life you actually live—not a generic recommendation or a plan someone picked without checking the details.
Clear coverage conversations
The goal is to explain the important tradeoffs, the cost exposures and the coverage categories worth considering before you make a decision.
Help after enrollment
Clients can turn to Franco for claims support and yearly plan reviews—not just help with the original enrollment.
Local, bilingual service
Franco is based in Temecula Valley and serves clients by phone, with local in-person meetings available when needed. Help is available in English and Spanish.
HOW FRANCO IS PAID
Using an independent agent does not add a separate fee.
There is no cost to you for Franco’s assistance with comparing or enrolling in plans he represents. The insurance carrier pays a commission when a plan is enrolled. You remain in control of the decision; a call is simply a chance to understand your choices before you act.
ROOTED IN TEMECULA VALLEY
Professional guidance from someone who lives here, too.
Most appointments happen by phone because it is efficient and convenient. When a local in-person meeting is needed, that can be arranged as well.
Working With Franco
Straight answers about what to expect before you schedule a call.
Is there a cost to work with Franco Stella?
No. There is no cost to you for help comparing and enrolling in plans Franco represents. The carrier pays a commission when a plan is enrolled. His assistance does not add a separate fee to your plan.
Is Franco tied to one insurance carrier?
No. Franco is an independent agent, not an employee of one insurance carrier. He compares the options he represents against your doctors, prescriptions, needs and budget.
Can Franco help after enrollment?
Yes. Franco provides ongoing claims support and yearly plan reviews for clients, so changes in plan benefits, providers, prescriptions or personal needs can be discussed before they become a problem.
Can I talk with Franco if I already have coverage?
Yes. A review can confirm whether your current coverage still fits. Asking for a review does not require you to change plans.