Independent Insurance Broker Serving Santa Ana, Orange County & Los Angeles County
Based in Santa Ana, I help individuals, families, and business owners across Orange County and Los Angeles compare coverage from multiple A-rated insurance carriers. I offer Medicare planning, Covered California enrollment help, auto and home insurance, life insurance, and commercial coverage for Southern California businesses. As an independent broker, I work for you, not any one insurance company, so we can build the right mix of policies and a long-term risk management plan.
Medicare Planning and Enrollment Assistance
Medicare Planning and Enrollment Assistance
Medicare is not “set it and forget it.” The wrong plan can mean higher out-of-pocket costs, limited provider networks, or prescriptions that are not covered the way you expected.
As an independent Medicare broker based in Santa Ana, I help clients across Orange County and Los Angeles County compare:
Medicare Advantage (Part C)
Medicare Supplement (Medigap)
Part D Prescription Drug Plans
So your coverage aligns with:
Your doctors and preferred hospitals
Your prescriptions and pharmacy options
Your travel or snowbird lifestyle
Your budget and long-term risk tolerance
We also plan around critical timing rules, including:
Your Initial Enrollment Period (IEP)
Special Enrollment Periods (SEP)
The Annual Enrollment Period (AEP)
This helps you avoid unnecessary penalties, coverage gaps, or last-minute plan changes.
Covered California & Individual Health Insurance
Covered California & Individual Health Insurance
Santa Ana, Orange County & Los Angeles County
Health insurance is more than just picking the lowest monthly premium. The wrong plan can mean limited provider access, unexpected out-of-pocket costs, or tax credit surprises at the end of the year.
I help clients across Santa Ana, Orange County, and Los Angeles County with:
Covered California enrollment and life-change updates
Advanced Premium Tax Credit (APTC) eligibility and income planning considerations
Clear comparisons across metal tiers (Bronze, Silver, Gold, Platinum)
Provider networks and hospital access — the part most people discover too late
A simple, long-term view of total cost, not just the sticker price
Whether you’re enrolling for the first time, reviewing options during Open Enrollment, or navigating a Special Enrollment Period, we make the process straightforward and compliant.
Schedule a health coverage review to ensure your plan fits your medical needs and your budget.
Auto and Homeowners Insurance
Auto and Home Insurance
Auto and home insurance should be simple, but the fine print is where people get burned.
I help clients across Santa Ana, Orange County, and Los Angeles County compare multiple carriers and build coverage that fits real life, including:
Auto (liability limits, comprehensive/collision, uninsured/underinsured)
Homeowners and condo policies
Renters coverage
Smart bundling strategies to reduce cost without cutting corners
We review deductibles, replacement cost, liability limits, and discounts so you know exactly what you are buying.
Request an auto and home quote and we’ll make sure you are properly protected at a price that makes sense.
Business and Commercial Insurance
Business and Commercial Insurance
Business insurance is not just a policy. It is a risk plan.
I help businesses across Santa Ana, Orange County, and Los Angeles County build practical coverage that protects cash flow, contracts, and day-to-day operations, including:
General Liability and Property
Business Owner’s Policies (BOP)
Workers’ Compensation
Commercial Auto
Professional Liability (E&O)
Cyber Liability
Umbrella and higher-limit options when you need them
Whether you run a restaurant, a contractor business, a professional office, or a retail operation, we will review your exposures, carrier appetite, and contract requirements so you can avoid nasty surprises at claim time.
Request a commercial insurance review and we’ll build coverage that fits your business and your budget.
Life Insurance
Life Insurance
Life insurance is not about fear. It is about protecting the people and plans that depend on you.
I help clients across Santa Ana, Orange County, and Los Angeles County choose coverage that matches real-world goals, including:
Replacing income for a spouse or family
Paying off a mortgage or other debts
Covering final expenses
Protecting a business (key person coverage and buy-sell planning)
We compare term life, permanent life, and hybrid options when appropriate, and we keep the focus on the outcome: enough protection, for the right time period, at a price that makes sense.
Request a life insurance review and we’ll map coverage to your budget and your priorities.
Why Work With an Independent Broker
Why Work With an Independent Broker
Here’s the simple difference: a captive agent represents one insurance company. An independent broker represents you.
That means we can:
Compare multiple carriers to find the best fit
Explain coverage in plain English (and spot the gaps)
Coordinate policies across home, auto, health, Medicare, and business coverage
Review your policies over time as your life, business, and rates change
Bottom line: you get real options, clear guidance, and ongoing service — not a one-time sale.
Reach out for a coverage review and we’ll build a plan you can actually feel good about.
Local Insurance Broker Based in Santa Ana, Serving Orange & Los Angeles Counties
Scott Fox Insurance is locally based in Santa Ana and serves clients throughout Orange County and Los Angeles County. We combine personalized service with broad market access to provide clear, strategic insurance solutions across multiple lines of coverage.
© 2026 Scott Fox Insurance. All Rights Reserved.
Scott Fox Insurance is an independent insurance brokerage based in Santa Ana, California, proudly serving individuals, families, and businesses throughout Santa Ana, Orange County, and Los Angeles County. Licensed in multiple states.
California Insurance License #0B95987
Scott Fox Insurance is not affiliated with or endorsed by the U.S. government or the federal Medicare program. This website is for informational purposes only and does not constitute a complete description of benefits, coverage, or policy terms.
Coverage cannot be bound, altered, or confirmed via this website, voicemail, email, or text message. All coverage is subject to underwriting approval and policy provisions.
Stephen Scott Fox is a Licensed Sales Agent in the State of California and multiple sates.
For Medicare-related products:
We do not offer every plan available in your area. Currently, we represent multiple organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
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