What We Do Best
Coverage that fits your health needs and financial goals.
Finding the right Medicare, health, and travel insurance shouldn’t be complicated. I provide expert, independent advice to help you make informed decisions—so you can protect your health and financial future with confidence. Whether you’re enrolling in Medicare, choosing a health insurance plan, or looking for international medical coverage, I’m here to make the process simple.
Medicare Services
Get expert guidance on Medicare Advantage, Original Medicare, and Prescription Drug Plans to ensure you have the right coverage.
Health Insurance
Compare health plans for yourself, your family, or your employees and find the best benefits at an affordable cost.
Travel Insurance
Stay protected wherever you go with international health coverage designed for seniors and frequent travelers.
Meet Janice
Trusted Guidance for Health & Life Insurance Decisions
I’m Janice Michaud, and I believe that choosing insurance should be empowering—not overwhelming. That’s why I offer clear, honest, and personalized guidance, helping my clients protect their health and wealth with confidence.
As an independent broker, I’m not tied to any one insurance company. My priority is you—helping you navigate Medicare, health, and travel insurance with expert advice tailored to your needs. I serve clients throughout California, primarily in Southern and Mid-California, with all services handled online for your convenience.
A Better Way to Navigate Insurance
Simple, Honest, and Expert Insurance Advice
You Get Unbiased Advice
Unlike agents who work for one insurance company, I compare plans across multiple providers to find the best fit for you, not a commission.
I Make Insurance Easy to Understand
No jargon, no confusion—just clear, simple explanations so you can make confident decisions about your Medicare, health, and travel insurance.
Personalized Support from Start to Finish
From your first consultation to enrollment and beyond, I’m here to guide you every step of the way—with no pressure, just solutions.
See What My Clients Are Saying
Trusted by Californians looking for the right coverage.
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Janice Michaud has been a wonderful resource of insurance information. Over the past several years she has been able to asses our family insurance needs and help us choose the right plan that fits our needs as well as our budget. Janice is constantly attending classes to help better understand our growing and changing health insurance in the US. She is very professional and always looks after her clients best interest. I would refer Janice to my family and friends who are looking for a top notch insurance agent. Her customer service is first rate.
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Janice has been a valued consultant to our family for our health insurance needs. We’ve done three separate policies with her and she has consistently taken care to explain our options and guide us to a cost-effective solution for each situation. Thanks, Janice!
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Janice has been extremely helpful in assisting us as we attempt to navigate our way through all of the options available to us through Medicare. She researches all of the options in order to provide us with the best choices and the best pricing. We have recommended her to several friends and they all have been very pleased with her service.
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Janice has tremendous insight into the complexities of the insurance world. Our business has benefited greatly from her advice and expertise.
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Janice is an amazing advocate for all health insurance purposes. She is compassionate and educational, and patiently strives to help each individual need. I would highly recommend Janice’s services, especially while there is so much change and confusion in the healthcare industry! She brings expertise and peace of mind without a doubt!
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