About Us
Independent Medicare and health insurance brokers serving California and Hawaii since 2003.
Founder, River Rock Insurance Services Inc.
With over 20 years of experience in California health insurance, Tom founded River Rock Insurance Services to provide the kind of personalized, expert guidance that large national brokers simply cannot offer. He is a licensed California insurance agent and a certified Covered California agent.
Tom specializes in Medicare, helping seniors navigate the transition from employer coverage, compare plan options, and make confident enrollment decisions. His clients consistently praise his responsiveness, expertise, and genuine commitment to finding the best solution for each individual.
River Rock Insurance Services Inc. was founded in 2003 with a simple mission: to make health insurance understandable and accessible for every Californian. What began as a local Roseville agency has grown into a trusted resource for thousands of families and businesses across California and Hawaii.
We specialize in Medicare, the most complex and consequential insurance decision most people will ever make. Our agents take the time to understand your specific doctors, prescriptions, and financial situation before making any recommendation.
Best of all, our professional services are always free of charge. We are compensated by the insurance carriers, which means you receive expert, unbiased guidance at no cost.
As an independent broker, we are never tied to a single carrier. We represent you, not the insurance companies.
Over 20 years of experience navigating California's complex health insurance landscape. We know every plan, every carrier, every nuance.
We are your neighbors in Roseville and Sacramento. We understand the local carrier networks and what matters to Northern California families.
Our relationship doesn't end at enrollment. We advocate for you year-round, for billing disputes, plan changes, and every question in between.
We work with all major insurance carriers to ensure you have access to the full market.
Experience the difference that 20+ years of local expertise makes. Our guidance is always free.
Free guidance from a licensed California agent. No pressure, no cost.
