What we provide

Peace of Mind: By providing you with a pool of options and access to an experienced healthcare and insurance specialist. We expand your options and sense of confidence in your decisions.

Knowledge: We empower and educate our clients to be well-informed consumers of healthcare and insurance services.

Ease: We cut through the muddle and supply our clients with the options that are right for them in the present and with vision for the future.

Follow-up: We make sure all applications are processed promptly and inform you of the status.

We can help

Plan design is our passion. We’re here to provide you with the best options to meet your goals and needs.

Our Skills


Email or Call:

CALL:  310.546.4295
EMAIL:  JMichaud@JaniceMichaud.com

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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.
Colleen McGuire, RE/MAX Estate Properties
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.
Marvin and Ellen Orenstein
Janice has tremendous insight into the complexities of the insurance world. Our business has benefited greatly from her advice and expertise.
Cynthia Roberts, German Tuning Corporation (Brabus, USA)
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!
L.M. Hoffmann
As a complete foreigner (literally) to the US Heath System, I arrived from the UK 7 years ago as a mum to one 3 year old boy and the wife of a self-employed husband. I ‘vetted’ a number of Health Insurance Agents shortly after arriving and Janice Michaud was, by far, the outstanding winner in my race to understand the US Health System and get the best policies for myself and my family given the unruly, erratic income that we were living on. Janice is unbelievably generous with her time and extensive knowlegde of the Health System, phenomenally clear in her explanations, patient in her assembly of a package based on one’s individual and familial needs, prompt and thorough to the last degree and one of the most amiable people you are likely to meet and deal with. Throughout all the changes in the Health Reform, she has been a most-trusted guide over all these years and has truly helped us get the best out of our policy in so many different ways. I have referred several of my friends to her (many of them in last minute, unforeseen circumstances with regards to their health insurance) and, each time, she has been able to take their situation and turn it to their advantage. A real whizz at her job!
P. Hill
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!
David C. Pearson, Carlsbad


Consumer Directed Healthcare

A passion that began when working in rehabilitation is to empower the people I work with to independence. Today, I express this in the movement known as “Consumer Directed Healthcare.”   I feel it is unfortunate that the PPACs have shifted so much choice and power to government and large corporations.

Janice MichaudOwner
CA Insurance License #0D23619
Nurse | Business Owner | Expert | Knowledgeable Leader | Caregiver
Janice’s interest in healthcare began when she was a nurse. She trained at St. Elizabeth’s Hospital and Youville Hospital in Boston and after graduating, specialized in patient rehabilitation. Her experience continued in California where she worked at UCLA and specialized in home healthcare with a focus on patients on respirators. She would later become a business owner, owning four restaurants (including Central Cafe in Torrance) and overseeing Michaud Family Daycare, a daycare facility for children.

Janice has always sought education through work. She trained in Acsia’s prestigious Long Term Care (LTC) program. Under that rigorous training, she met with hundreds of people to discuss their LTC planning. The people and their stories are the foundation of her empathy, earned respect, and success. Her medical and research skills would later be utilized further in Underwriting when she started her own insurance agency and became a LTCi wholesaler with John Hancock teaching financial advisors about protecting their client’s retirement with LTC planning. Janice’s desire to offer her clients up-to-date information on their health and life insurance needs were further honed as she focused on their retirement planning and wealth management.

She continued to be a trusted advisor and solve problems for her clients by expanding her insurance practice to include Medicare, group and individual health coverage, life, disability, and travel. Her team of specialists also share that same level of care and support, ethics and customer care that is so critical to Janice’s clients.

When not working with client’s needs, Janice enjoys sailing, bicycling, philosophy, ethology, and herb gardening. Janice is a nurse, a business owner, and a mother. She is committed to solving her clients’ insurance needs and offers her service as an experienced health plan advisor with integrity and value, follow-through support, and providing down-to-earth approaches to peace of mind.

Let’s connect and explore your options. We’re here to walk you through the process and select a plan that’s right for you.

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