Business Details
Your Trusted Insurance Partner in Novato, CA
Only HealthInsurance, part of Dougherty Health Insurance Sales, LLC, has been a trusted specialist in private health insurance, Medicare, and travel insurance in California for over 35 years. As a three-generation family-operated agency based in Novato, we prioritize assessing each individual's unique circumstances to provide honest professional guidance on coverage options. Our mission centers on accessibility, education, and utilizing web-based tools to simplify complex insurance processes.With expertise in both public and private marketplaces, we've become a leader in the field, relied upon by benefit specialists, financial planners, and fellow brokers for our guidance. Our team's commitment to personalized service, continuous education on evolving insurance trends, and prompt availability by phone or email ensures clients receive tailored solutions that meet their evolving healthcare needs.
Services
Health Insurance
Medicare Supplements
Dental Plans
Vision Insurance
Travel Insurance
Highlights and features
- We have over 35 years of experience in health insurance markets.
- Our team offers personalized, client-focused assessments and recommendations.
- Specializing in health, Medicare, dental, vision, and travel insurance.
- Third-generation family agency with proven industry expertise.
- Free consultations and comprehensive coverage comparisons available.
What people say
Fast and easy
Knowledgeable and professional
Saved the day
Godsend during changes
Unparalleled service
Services
Health Insurance
We offer comprehensive health insurance solutions for individuals and families, specializing in navigating complex healthcare systems. Our team provides expert guidance in both public and private marketplaces, assessing each client's unique needs to recommend appropriate plans. With over 35 years of experience, we ensure compliance with healthcare regulations while securing optimal protection tailored to evolving personal circumstances.
Medicare Supplements
Our Medicare supplement insurance addresses gaps in original Medicare coverage through personalized guidance on Part A, B, C, and D options. We assist clients in selecting suitable supplement plans, provide enrollment support, and offer ongoing policy management. Our focus remains on ensuring seniors receive comprehensive protection that adapts to changing healthcare requirements over time.
Dental Plans
We feature Delta Dental plans offering $1,500 to $3,000 annual benefit maximums for individual and family coverage. These plans provide access to California's largest dental network with efficient claims processing. Our options combine affordability with preventive, major, and emergency dental care coverage to meet diverse oral health needs.
Vision Insurance
Our VSP vision plans cover eye exams, eyeglasses, and contact lenses through comprehensive coverage options. Designed to complement dental benefits, these plans reduce routine vision care costs. We help clients select appropriate coverage based on frequency of eye care needs and specific vision correction requirements.
Travel Insurance
We offer GeoBlue travel medical insurance with single-trip and multi-trip options covering medical emergencies, evacuation, and pre-existing conditions. Plans include customizable deductibles for California residents traveling abroad. Our specialists assist in selecting coverage levels based on destination, duration, and individual health considerations for international travel.
People
Phil Dougherty
Owner President
Phil has led individual and family health insurance, Medicare, and international travel insurance markets for over 30 years. As a second-generation agent, he expanded the family business to become one of California's most active agencies in niche insurance markets while maintaining direct client interactions.
Patricia Dougherty
General Manager
Patricia joined the family business in 2021, representing the third generation of leadership. With NYU Latin honors and international travel experience, she enhances client experiences through technical improvements and specializes in travel medical insurance solutions while continuing the agency's legacy of service.
Lois Whitley
Senior Administrative Assistant
Lois brings over 40 years of health insurance experience, specializing in Medicare products and small group insurance. With 15 years at OnlyHealthInsurance, she has developed strong relationships with clients and carriers while providing expert assistance with complex insurance claims and policy issues.
Questions
How does Only HealthInsurance help with health insurance selection?
We assess your unique circumstances to recommend appropriate health insurance options, offering free consultations and comparing both public (CoveredCA) and private marketplace plans to find cost-effective, comprehensive coverage solutions.
What Medicare supplement options are available?
We provide expert guidance on Medicare Part A, B, C, and D options, helping clients select suitable supplement plans with personalized enrollment support and ongoing policy management tailored to evolving healthcare needs.
What dental insurance options do you offer?
We feature Delta Dental plans with $1,500–$3,000 annual benefit maximums, offering access to California's largest dental network with efficient claims processing for preventive, major, and emergency dental care.
Do you provide travel insurance?
Yes, we offer GeoBlue travel medical insurance with single-trip and multi-trip options covering emergencies, evacuation, and pre-existing conditions for California residents traveling internationally.
Can you help with complex insurance situations?
Our team specializes in handling high-risk cases and complex insurance scenarios, as demonstrated by our success helping families with unique healthcare needs and individuals facing complicated coverage decisions.
Reviews (2)
Ellen H.
Jan 27, 2019
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I'd like to give Phil more than 5 stars for his incredible customer service and knowledge. Because he was on the ball and watching out for me (unasked), he saved me from going into a health plan that was not right for me. He called me out of the blue to confirm that the changes I made to my healthcare plan were what I wanted. I had misunderstood the differences (no thanks to Blue Shield rep) and Phil saved the day. Thank goodness he is my broker. He should be yours too.
Colleen M.
Mar 11, 2011
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I was searching for weeks for affordable health care and Phil Dougherty and his team got me covered right away! My family was considered high risk and he took care of us from beginning to end. He was always available by phone to talk and did all the paperwork for us. He was a godsend during the many changes happening in healthcare! I highly recommend Phil for helping you find the best health care for you and your family. Colleen McDonough
