ABOUT LUMEN INSURANCE

We are a small independent health insurance agency serving California, Arizona, Nevada, Idaho and Texas. We are dedicated to helping you make smart decisions with your Medicare, health, life, long term care, dental and disability insurance. We know there are thousands of insurance agencies out there to choose from, so why pick us?

CREDENTIALS

Shann Hogue and Nick Hogue are a mother/son duo who have a current health and life license, they are Covered California Certified Insurance Agents, members of the National Ethics Association and Clovis Chamber of Commerce. They are active members of Central California Agents and Health Insurance Professionals, California Agents and Health Insurance Professionals, National Association of Benefits and Insurance Professionals and National Association of Insurance and Financial Advisors Fresno. Shann is a Certified Insurance Professional, a certified Medicare professional and Shann teaches Medicare 101 MasterClasses online and educational seminars on the Medicare Prescription Drug ‘Donut Hole’.

EXPERIENCE

Shann has been in the health insurance industry since 2004 with hands on experience in each market segment. Her career began in the group market as a carrier rep, helping brokers and their clients - small and large businesses - find innovative ways to bring value to an employer health plan. Later, she worked for a small online health insurance firm helping individuals understand their health insurance choices. And before opening her own firm, Shann spent some time with a boutique insurance agency focused on assisting seniors with their Medicare choices. Shann knows and understands the market, plus...she is patient enough to help you through it.

Nick joined the agency in 2023 and quickly mastered this confusing industry, often educating Shann on the changing regulations.

BROAD SELECTION

As a broker, our agency is contracted with many health insurance companies, Medicare products, life insurance companies, long term care, disability, dental and vision insurance companies. We are a brokerage firm dedicated to understanding your needs and matching you with the best product available.

EDUCATION

Shann has a bachelor's in Business Management, a California life and health license, is a Certified Insurance Professional, certified in Medicare Advantage and Prescription Drug Plans, is a Covered California certified agent and has many more credentials. But more importantly, Shann has the ability to simplify this confusing industry for you. Sometimes you just need someone to explain it in a way that makes sense. Shann is an educator, helping you understand your choices in a clear and concise manner. She even teaches classes on Medicare and the Medicare Prescription Drug “Donut Hole”.

SUPPORT

Our agency is a small yet mighty team dedicated to processing your application quickly and efficiently. We follow your application through the enrollment process and if any issues arise before, during or after your enrollment, we take a hands-on approach to find a resolution.

PERSONAL TOUCH

COVID-19 changed things for all of us! While we are not meeting our clients in person anymore, technology is allowing us to conduct business on the phone and face-to-face...even sharing our computer screen with you. Please feel free to schedule a call or video chat. We help you understand your options, answer all your questions, help you pick a plan and apply. We make it simple.

The price you pay for insurance is the same regardless of where you buy it, but the advice and service you receive from us will make all the difference.

 

ABOUT SHANN HOGUE

I have the "in the trenches" knowledge you'll want from an insurance agent.  I cared for my mother for 5 years who eventually passed from Alzheimer's in 2016. I was not only her care manager, but also her care taker before finally self-paying for her 24-hour care. I drove her to all doctors appointments, did her grocery shopping, prescription drug management, house cleaning, bathing, cooking and eventually hiring in-home help before her 24-hour care. Mom did not have a long-term care plan, so I'm intimately aware of how lack of planning can impact the whole family. Additionally, in 2013, my ex-husband fell over 31 feet to a concrete floor…and lived. Married at the time, I nursed him back to health and dealt with insurance companies, disability policies, workers compensation, network and claims issues, and all the frustration that comes with a tragic crisis in your life. The experiences I have personally gone through give me the understanding and wisdom to impart to you that go way beyond the contractual agreement of your insurance policy.

I love cooking, finding (or creating) new recipes, baking bread, and making cookies. The kitchen is my happy place! I love the outdoors too! On the weekends, you may find me gardening, building something, caring for my chickens, hiking, camping, golfing, playing darts, shooting or hanging out around a bon fire in my backyard.

I have worked in the health insurance industry since 2004 and I truly love helping people understand their health care options. I have lobbied in Sacramento nearly every year of my career and in Washington DC since 2023, working on your behalf to ensure our representatives are aware of bills that hinder your ability to gain affordable health care. I'm a current member of the Central California Association of Health Underwriters, National Association of Insurance and Financial Advisers and National Ethics Association.

Thank you for trusting me with your health care decisions!

ABOUT NICK HOGUE

Since 2023, I've been diving into the world of health insurance with a mission—to help folks like you navigate the complexities and find plans that really fit your needs. As an independent broker, my role lets me focus on saving you money and guiding you toward the best options out there.

I specialize in individual and family health plans that balance affordability with access to your preferred doctors and facilities. And Medicare? It's like a puzzle with over 50,000 pieces, but I thrive on helping you decode it and find the perfect fit.

Transparency and empathy are my guiding principles. I believe everyone deserves to make informed decisions about their health coverage, and I'm here to make that process clear and straightforward for you.

Beyond the office, you'll often find me out exploring nature with my beautiful wife, Jacqie, and our playful pup, Pauly. We're big fans of Japanese comics and family video game nights—they're our go-to for bonding and unwinding.

Fun fact—I also wear a hat as the Legislative Chair for the Central California chapter of CAHIP (California Agents and Health Insurance Professionals). It's my way of making sure our lawmakers understand how their decisions impact our community's access to affordable healthcare.

I'm looking forward to working with you and helping you navigate your health care decisions with confidence. Thanks for trusting me with this journey!