Derendinger Insurance

What Derendinger Insurance does

A. Francois Derendinger Insurance Agency, Inc. (DBA Derendinger Insurance) is an independent insurance agency founded in 1959 and headquartered in west San Jose, California. The firm specializes exclusively in Medicare-related insurance products, primarily Medigap (Medicare Supplement) plans with a focus on Plan G and Plan G Extra, alongside Medicare Part D prescription drug plans and Medicare PPO plans. The agency is authorized to represent 37 insurance carriers including United Healthcare (including AARP-branded products), Blue Shield of California, Anthem Blue Cross, and HealthNet, allowing it to offer side-by-side comparisons of Community Rated and Attained Age pricing methodologies across carriers.

The agency generates revenue through commissions paid by insurance carriers on Medicare supplement and Medigap policies sold, with no additional cost to consumers compared to buying direct. Distribution occurs primarily through free 15-minute phone consultations and in-person meetings scheduled via Calendly, supplemented by a self-serve online enrollment platform (CaliforniaEnrollment.com) and an educational blog covering Medicare topics specific to the Bay Area market. The principal agent, Marc Derendinger, has more than 30 years of experience and serves as insurance broker for the San Jose Police Officers' Association; the firm has also previously advised the City of San Jose and the State of California DHCS on long-term care programs. Target customers are individual Medicare beneficiaries and pre-retirees aged 61-64 in the Santa Clara Valley and greater Bay Area, with particular emphasis on retaining access to preferred providers at Stanford Medicine and Sutter Palo Alto Medical Foundation.

Name

Derendinger Insurance

Legal name

A. Francois Derendinger Insurance Agency, Inc.

Website

https://derendingerins.com

Company type

Private

Founded year

1959

Operating status

Operating

Short description

A. Francois Derendinger Insurance Agency is an independent insurance agency founded in 1959 and based in west San Jose, California. It represents 37 insurance carriers and specializes in Medigap, Medicare Supplement, and Medicare Advantage plans for Bay Area Medicare beneficiaries and pre-retirees, earning carrier commissions on policy sales.

Ownership category

akta.pro rank

Product category

Medicare Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAEAG

Medicare Supplement (Medigap)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYHLAEABAJ

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity)

Healthcare & Life Sciences/Health Insurance & Managed Care/Individual & Family (ACA/Exchange) Health Insurance

Keywords

• Medicare supplement insurance
• Medigap advisory services
• Independent insurance agent
• Medicare health plans
• Senior insurance brokerage

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers (including United Healthcare, Blue Shield of California, Anthem Blue Cross, HealthNet) for Medicare supplement and Medigap policies sold. Premiums are the same whether purchased directly from the insurer or through the independent agent - agents are compensated by the insurance company.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Derendinger Insurance is an independent insurance agency that brokers Medicare-related health insurance products to individuals in the San Jose Bay Area and Santa Clara Valley. The agency represents 37 insurance carriers and primarily sells Medicare Supplement (Medigap) insurance including Plan G and Plan G Extra, Medicare Part D prescription drug plans, and Medicare PPO plans. Customers pay the same premium as they would buying directly from the carrier; agents are compensated by the insurance companies.

Product overview

A. Francois Derendinger Insurance Agency is an independent insurance agency specializing in Medicare-related insurance products since 1959, representing 37 different insurance companies. The core offering is Medicare Supplement (Medigap) insurance, with Plan G as the primary product. The agency also offers Plan G Extra as an enhanced add-on option, Medicare Part D prescription drug plans, and Medicare PPO plans. The product portfolio includes sub-branded offerings from major carriers including United Healthcare (AARP-branded), Blue Shield of California, and Anthem Blue Cross. As an independent agency, they provide unbiased advice comparing multiple carriers' pricing methodologies (Community Rating vs. Attained Age) and coverage options to help Medicare beneficiaries access their preferred doctors at Stanford Medicine and Sutter/Palo Alto Medical Foundation.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplement Insurance (Medigap)

Quantifiable outcome

• Helped a Saratoga couple save thousands by learning how to delay Medicare without penalty
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor and core.

• City of San JoseminorStrategic or Co-development Partner · 1 January 2001Marc Derendinger helped the City of San Jose establish its first-ever group voluntary long-term care plan in 2001. He also served as an advisor to the State of California DHCS California Partnership for Long-term Care.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorAgency is authorized to offer United Healthcare Medicare Supplement plans in the San Jose area. United Healthcare is noted for its Community Rating pricing method for Medigap policies, contrasting with Blue Shield's Attained Age methodology. The agency also represents AARP-branded United Healthcare products.
• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorAgency represents Blue Shield of California Medigap plans including regular Plan G and Plan G Extra (Innovative). Blue Shield is California's market share leader for Medicare supplement policies and operates as a not-for-profit with a 2% Pledge limiting net income to 2% of revenue.
• Anthem Blue Cross (Elevance Health)minorChannel Partner/ Reseller/ DistributorAgency offers Anthem Blue Cross Medicare Supplement plans. Anthem recently rebranded as Elevance Health. Their Medigap products compete directly with Blue Shield of California in the California market.
• HealthNetminorChannel Partner/ Reseller/ DistributorAgency represents HealthNet Medicare supplement insurance products as part of their carrier network of 37 insurance companies.
• Stanford MedicineminorStrategic or Co-development PartnerThe agency specializes in helping clients retain their Stanford Medicine specialists when transitioning to Medicare. They provide guidance on which Medicare plans have contracts with Stanford Medicine and Sutter/Palo Alto Medical Foundation.
• Sutter Palo Alto Medical Foundation (PAMF)minorStrategic or Co-development PartnerAgency provides specialized guidance for clients needing to maintain access to Sutter PAMF physicians under Medicare, including expertise on Medicare PPO plans that work with this healthcare system.
• San Jose Police Officers' AssociationcoreStrategic or Co-development PartnerAgency serves as insurance broker for the San Jose Police Officers' Association, providing Medicare and insurance advisory services to members.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• HealthPlanOne: Independent Medicare-focused insurance agency representing multiple carriers for Medigap, Medicare Advantage, and Part D products with an agent-led, multi-state model comparable in product mix to Derendinger.
• MedicareFAQ: National independent Medicare insurance agency specializing in Medicare Supplement, Medicare Advantage, and Part D across multiple carriers, with a content-led, education-first GTM model that closely mirrors Derendinger's educational blog approach.
• Boomer Benefits: Independent Medicare Supplement-focused insurance agency representing multiple carriers and specializing in Medigap Plan G, Plan N, and Medicare Part D, similar to Derendinger's core product set. Targets a similar 65+ demographic with a no-cost advisory model.
• Triage Health (formerly MedicareCompareUSA): Independent Medicare insurance agency and call center specializing in Medicare Supplement, Medicare Advantage, and Part D with carrier partnerships that overlap with Derendinger's United Healthcare, Blue Shield, and other major carrier relationships.

Broad incumbents

• GoHealth: Public Medicare-focused health insurance marketplace and licensed agency operating across multiple carriers with a heavy digital lead-generation model; competes with Derendinger for the same Medicare Supplement and Advantage shoppers but at much greater national scale.
• eHealth: Long-established online health insurance marketplace and licensed agency that enables direct comparison and enrollment in Medicare Supplement, Advantage, and Part D plans across many carriers, competing for the same California seniors.
• SelectQuote: Public, multi-carrier insurance brokerage with a dedicated Senior division focused on Medicare Supplement and Medicare Advantage. Represents a much larger, scaled-up version of the same multi-carrier independent agency model.

Emerging players

• Chapter: Tech-enabled Medicare advisory that uses software to match beneficiaries to Medigap and Medicare Advantage plans across carriers; competes for the same digitally native pre-retiree segment that Derendinger targets with its CaliforniaEnrollment.com self-serve portal.
• Healthcare.com: Online insurance comparison and lead-generation platform that allows consumers to shop Medicare Supplement and Medicare Advantage plans directly, providing a self-serve alternative to traditional local independent agencies like Derendinger.

Regional players

• Medicare Insurance Agents (CA-focused independent agents): California-licensed independent Medicare insurance agents operating in overlapping Bay Area and Northern California markets; represent multiple carriers for Medigap and Medicare Advantage with similar multi-carrier advisory positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Derendinger Insurance