• Covered California
  • Health
  • Medicare
  • Medicare Advantage
  • Medicare Supplement
  • Medicare Prescription Drug Plans
  • Medi-Medi
  • Life
  • Greg Kiernan  Oct 20, 2021
  • Alejandra Enciso-Dardashti  Oct 20, 2020
  • Terry Garrison-Flores  Oct 20, 2020
  • Arianna Gonzalez  Oct 20, 2020
  • Mark Padilla  Oct 20, 2020
  • Maureen ORear  Oct 20, 2020
  • Amanda Panda Desantiago  Mar 6, 2020
  • Susan Johnson  Aug 10, 2019
  • George Hartmeister  Aug 10, 2019

Heather Gray


San Marcos, CA

CA License# 0J17816

+1 (619) 933-9517

Medicare Made Easy

Heather, a California Girl born and raised​​, grew up in the small town of Ramona​. After graduating from Montecito High School in 2006, ​​she pursued ​a Real Estate ​Career and joined Keller Williams Realty and tried her luck at Real Estate for 5 Years.

In 2014, Heather made the best decision of her life and switched careers, selling insurance.  She truly feels that this is her passion, and she has had the best trainer and mentor helping me every step of the way – her dad, Jay Gray. ​It is very rewarding ​being able to ​work ​together and spend time growing their business as a team. Her dad has shortened her learning curve tremendously, as he has been helping people throughout Southern California with their insurance for over 15 years, and he knows all the do’s and don’ts.   Heather specializes in taking the time to help her clients find a plan that fits their needs and budget for Medicare, Health and Life Insurance.  She really enjoy working with seniors, and takes great satisfaction in assisting them through this confusing process.   She loves being able to offer home appointments or virtual appointments, to explain and answer all their questions with regard to their preferred doctors, hospitals and prescription drugs.  Heather represents most of the major Medicare carriers and can help guide her clients to the appropriate plan, based on their medical and financial concerns.
In 2009, Heather had her son Kaden, who is a spunky little redhead that keeps her on her toes. He definitely​ is growing up way too fast, and has her laughing a lot. Heather loves music and enjoys going to concerts, Mexican food, going to winery’s and hanging out with friends and family! She also loves the flexibility of being her own boss and being able to make her own schedule.  She says she can’t imagine her life any other way.

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Verified Reviews for Heather Gray:

Heather Gray is a stand out insurance rep. Professional, honest, and responsive is all you can ask for when dealing with the multitude of personalities in the insurance industry. She offers the best product at the best price with a high level of competency and kindness. Her parents raised her right. 👍
5 Greg Kiernan - October 20, 2021
I recently resigned from my job and lost my health insurance. As my employer instructed, I went through covered California and filled out the forms. COvered California always wants me to get MediCal and all that stuff and I just wanted to sign up for health insurance. I made a request through the website saying that their approach was all wrong. I received a call from Heather from Just Insurance about 30 minutes after. Heather explained and guided me through the process. I am back with my health insurance plan and very happy. You just want to feel secure and know that everything is going to be ok with these pesky paperworks. I am very happy
5 Alejandra Enciso-Dardashti - October 20, 2020
When my husbands hours were cut back we no longer qualified for benefits. We never had to shop for health insurance before! OMGosh, so confusing and very hard to understand! Thank God my daughter told me about The Gray’s at Just Us Insurance 4 years ago. Heather Gray is my agent and she is so patient and understanding and knowledgeable. Because of Heather, I now have a better understanding of how health insurance works!! She takes that extra step to satisfy her clients.
5 Terry Garrison-Flores - October 20, 2020
Heather is AMAZING ! in a time where I felt a lot of uncertainty she guided me through the process of health insurance. It was one less thing I needed to worry about.
5 Arianna Gonzalez - October 20, 2020
Had some issues after submitting application for Covered California. I couldn't get through on the phone to speak to anybody over there. After a couple of weeks with no success I sent them an email through their portal asking for a call back. That's when Heather called me on a Friday afternoon. I explained to her my situation. She then called Covered California that day and got through, spoke to somebody and fixed my problems. Heather was very polite and proficient. The other agent I was working with basically told me I was on my own trying to get through to Covered California. I was really worried that time would run out and I couldn't sign up for healthcare. Heather is indeed a lifesaver. Thank you Heather!!
5 Mark Padilla - October 20, 2020
We have dealt with Heather for several years now and she has given us the best service. She is responsive and returns calls and emails promptly. If she doesn’t know the answer she will find out and get back to you! We have used her services to sign up for insurances with Covered California and Medicare. We appreciate her professionalism.
5 Maureen ORear - October 20, 2020
Awesome customer service! Awesome family owned business. Jay and Heather are very professional. Definitely recommend! Make them your first call you won’t regret it!
5 Amanda Panda Desantiago - March 6, 2020
Heather is the best!! I was spinning my wheels for weeks trying to find my own coverage with affordable premiums. I was overwhelmed and confused; then I spoke to Heather! She found me exactly what I was looking for while I was on the phone with her! Heather has so much knowledge and patience and I would highly recommend using her! I am very grateful I gave her a call!!
5 Susan Johnson - August 10, 2019
Received a personal/professional note from these people,made an appointment;they arrived at my home on time and set me up with the CORRECT Medicare package for my needs.Very nice and professional and suggest anybody looking to make the Medicare decision to call them. Can�t say enough about Jay and his daughter,Heather..even changed my wifes Medicare plan,and then also my 86 year old uncles plan...BEST service and help that I�ve ever received from an insurance agent/s...more like 10 Stars! THANKS AGAIN, Jay and Heather
5 George Hartmeister - August 10, 2019

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