John Young

CA License #0C17508

john youngIn 1997, John established Serra Benefits in Dana Point, CA. His strong desire to help people took him from journeyman carpenter to the insurance industry where he was able to put his skill set to use and grow Serra Benefits from ground up. Today Serra Benefits thrives in Oceanside, CA helping to insure Californians state-wide.

John’s philosophy of customer service morphed into “where service is everything”. His clients appreciate his friendly, informative approach and desire to truly help. He strives to find the best fit for the best rate, while maintaining ethical practices and personalized service. He understands it can be confusing, even overwhelming for business owners & individuals to make confident choices about insurance & financial products. “We are the bridge between you and the insurance carriers. Whether it’s employee benefits for your company, a life insurance policy, or an annuity, our clients know exactly what they are getting and why. Because of this, we build a bond with our clients based on TRUST”.

John enjoys time with his family, surfing locally in Oceanside, sport fishing, and music. He feels blessed with good health and the enjoyment of life in North County San Diego.


Angela Young

CA License #0G55974

angela youngAngela graduated Magna Cum Laude with a Bachelors of Science in Early Childhood Education. She held several positions over the years, often in management, and later opted to raise her family rather than pursue a teaching career.

In 2009, Angela became licensed for health & life insurance and immediately became immersed in the growth of Serra Benefits. She has a strong understanding of her clients needs in the Individual/Family Insurance market and loves helping people. Angela is Covered California certified and has become a leading expert in the Affordable Care Act. She also carries out a great deal of the administrative duties within Serra Benefits.

Angela biggest joys are quality time with her children and getting away with her husband. She enjoys the beach, canvas painting, sport fishing, camping, and good food.


Michelle Navickas

CA License #0D95172

michelleWith 20 years of working in the insurance industry, Michelle has developed a strong understanding of her clients needs in both the Employee Benefits & Individual/Family Insurance Market. In addition, she is Covered California certified and has become a leading expert in the Affordable Care Act.

Michelle has gained a strong reputation within the employee benefit industry. Michelle treats all her clients like family and truly loves what she does. She has held many positions in the Health & Life industry which include Broker, Account Manager and Underwriting Specialist.

Michelle enjoys getting away with her husband to their cabin in Big Bear to fish, ski and soak up the mountain air.



Additional Reviews:

Carol Kissin
I was referred to Angela by the state Covered CA program. I had made my way through most of the application process without assistance, but when I did run into minor questions and/or glitches, I wanted to make sure my application went through correctly. Angela was very helpful with that. On a personal level, she was a pleasure to work with.

Mark A. Sherman
Angela was very professional, extremely knowledgeable and provided excellent service and follow up while helping me find and apply for an affordable, appropriate health insurance plan. She was supportive every step and help me to resolve some problems I was having using the Covered California web site. I would highly recommend Angela to anyone needing her services.

Beth Anne Young
The personal assistance and care is outstanding!

Samantha McRoberts
Angela was a great resource and really helped narrow down which health plan was appropriate for my family. She was knowledgeable and reliable, and made the process of choosing a plan easy. I have referred several friends to Angela and will continue to do so. Everyone has had a great experience when working with her.

Carl Weidner
Angela is a wonderful agent. I am self-employed and wanted to change my plan by enrolling through Covered California at the end of 2013. The site was not very user friendly especially for the self employed. Angela knew just what to do, took down my information, got the application through and I got my new plan. She is a gem, personable and really knows how to navigate Covered California. If you are self-employed, do not go through the agony of using the site yourself. Go and talk to Angela.

Louanna Brower
I was referred by a friend many years ago and have since referred my friends and family. John is very personable and does an outstanding job. I have no complaints.

Bev Pittman
John was so very helpful, professional and kind. He was patient with all my questions and never made me feel like I was asking about something unnecessarily. He has a great spirit and energy. He made the process of buying health insurance much less painful than I expected! I will definitely forward his name to friends and family who are in need of insurance.

Denice Dixon
Very knowledgeable and helpful during the sign up period for Covered California. It would have been stressful and confusing if she had not been there to help to complete the process.

Desirae Petree
Angela has been a consistent reliable agent for years. She not only offered her professional advice when I did not purchase a plan because I was out of state, but she also has a genuine interest in making sure I am satisfied and adequately covered. Now I am back in the state of California, she is helping to find me an affordable plan that meets my needs. She is proficient and extremely knowledgable. I highly recommend her for any of your insurance questions and needs. She aims to make this confusing process, less painful for the client 🙂 thank you Angela!!!

Mark Stober
Angela took the time to understand my medical needs and helped me compare the various Covered California options so that my wife and I were able to select the most cost-effective policy…not the “cheapest” monthly premium but the one that will save us money in the long run in view of our expected healthcare expenses. She also took care of all the time-consuming processes involved with the Covered CA signup making it easy and worry-free for us to transition from employer-paid healthcare to our own policy. I was so satisfied with Angela’s service that I have recommended her to family members and friends.

Emma Hoyland
Angela was very helpful in getting me signed up for Covered CA. It was all a bit confusing for me and she was available to answer all of my questions and make sure that I made the choice that was right for me. Even after I was set up with my insurance carrier I was still able to contact Angela with concerns that I had and she was sure to point me in the right direction and make sure that I got the answers that I needed.

Melody Nieder
What a JEM!!! Angela is very knowledgeable, patient and professional!!! She has helped me tremendously and has done so in a very kind way. She’s the best!!

Laurie Guy
I like many did not know where to look for help with the new Obama Care. Angela walked me through the maze in a matter of 30 minutes and I was done with the application for my son and myself. Angela is a very professional and knowledgeable agent. I would highly recommend her with any insurance issues.

Dan Berg
Always calls back, always helpful. This says it all.

Darlene Van Tash
Angela is professional and knowledgeable about the healthcare changes and programs. She was able to help find health coverage for the whole family. She answers emails and phone calls which is a plus when you have questions. She took the time to explain so we understood what we were getting as health coverage. Thank you Angela for your time and help in this process.

Roman Hemming
Thank you for coming to my house on Sunday and helping my family with our policies.

Carey Neill
Mr. Young consistently provides an elevated level of knowledge and responsiveness for our company’s insurance needs.