Modern Benefits Insurance Services

Sensible, affordable health insurance plans for individuals and businesses


An Intelligent Alternative


Finding the right health insurance is one of today's toughest headaches, yet it's one of the most important parts of living in 21st century America.

Until recently, there have been few really intelligent options available to individuals and businesses -- options that offer top-notch health care, protection from financial disaster, and everyday affordability.

Health Savings Accounts (HSAs) are probably the most promising, yet misunderstood new tools available to us to tackle this problem.

We Specialize in HSAs


Modern Benefits Insurance Services was formed specifically to leverage the very best of these new consumer-driven health plans to produce health insurance arrangements that are simple, affordable, and effective. With HSAs, consumers and business owners can finally take control of their health care AND the means to finance it.

Doug Roffmann, owner of Modern Benefits Insurance Services, is one of only two Advanced Chartered Benefits Consultants (ACBCs) in northern California, and one of only five in the state ( NAABC ). Since he is not tied to decades-old philosophies about how people should own health insurance, he is one of the few who is passionate about reducing insurance premiums and providing clients with a sound plan of health coverage that benefits THEM, instead of the insurance companies.


Anthem Blue Cross plan info
and to apply online

Doug Roffmann, ACBC

Modern Benefits Insurance Services
11 Azalea Court
Petaluma, CA 94954-4617
800-637-1106 ♦ Fax 707-778-2204
CA Lic. #0E32591


Doug Roffmann
Advanced Chartered
Benefit Consultant

Our trusted business partners --

Real Estate Loans | Jeremy Forcier |

Business Coach | Alan Ginsberg |

Real Estate Broker | Doug Hecker |

Bookkeeping | Michael Hecker |

C.P.A. | Scott Porter |

Financial Advisor | Larry Qvistgaard |

Banker | Tim Saavedra | TimSaavedra