Joy Raine, CEO

JOY RAINE - President / CEO

Joy has almost 30 years of experience working as a licensed Insurance Broker and has an active license in California, Texas, Idaho, Arizona, and New Jersey.

After first starting her career in life insurance, Joy was recruited into health insurance and fell in love with it. In 1997 she opened Access Health Insurance Services and has never looked back.

She holds many certifications such as LPRT, CDHC, HIP, and CHRS. She is a Covered California Certified Agent and has been involved with her local association (SDAHU) and national association (NAHU).

Joy loves matching the right people with the right plans, solving problems, providing solutions, and finds great reward in being a guide to her clients for their long-term insurance needs. She specializes in Group Health Insurance, Medicare Plans, and Life Insurance.

Lorraine Nellis, Broker


Originally from New Jersey, Lorraine moved to California over 30 years ago. With a B.S. in Business Management from the University of Phoenix, she worked in the and medical device industries before getting her California Department of Insurance License in 2004.

Lorraine is a Certified Covered California Agent, HIP, CDHC, and CHRS certified. She joined Access Health in 2004, and has been an integral part of its growth ever since.

Lorraine loves working with employers to create well rounded comprehensive benefits packages for their employees. She is also well versed in Medicare and the plans available for the Medicare eligible population. Her focus is Group Health Insurance and Medicare Plans.

Elise Haar - Insurance Broker


Elise has over 25 years of experience in the insurance industry.

Beginning her career in Louisville, KY in the client service department for a large health insurance brokerage, she quickly advanced into a sales position that allowed her to sell life insurance in addition to health and wellness plans.

After moving to San Diego, she joined Access Health in 2009 and has expanded her product line to include not only Health and Life Insurance products but also Disability Insurance, Medicare Plans, and Long-Term Care products.

Cynthia Preclaro Foster - Individual & Family Insurance
Access Health Insurance Services

CYNTHIA PRECLARO - Individual & Family Plan Specialist

Cynthia has been a licensed insurance agent since 2015.

She is proficient in Covered CA and also has knowledge of Medi-Cal. She is responsible for all enrollments and communication, and providing our clients with the latest information on updates, changes, and bills for Covered CA and Individual policies.

Cynthia specializes in Individual and Family Insurance Plans, including health insurance, dental and vision insurance, accident plans, and traveler’s insurance.

Beverly WhiteBear, Senior Account Manager

BEVERLY WHITEBEAR - Senior Account Manager

Beverly is a licensed health insurance agent and has been working in the health insurance administration field for over 15 years.

She joined Access Health Insurance Services in 2014. Beverly is responsible for small group account management activities, including renewals, developing strong relationships with customers, customized employee communications, insurance communications and open enrollment.

Erica Tilden, Account Manager

ERICA TILDEN - Account Manager

Erica graduated from Biola University in May of 2019 with a B.A. in Multi-Disciplinary Liberal Studies. She joined Access Health Insurance Services in June 2021.

Erica is responsible for managing Group Health, Individual Health, and Medicare Insurance plans.

KAYLA TAYLOR - Account Manager

Kayla has over 7 years of customer service experience.

She is a master of problem resolution and loves supporting our clients with Individual & Family Health Insurance, Medicare, and Group Health Insurance Plans.

BRUCE - Ambassador / Canine Customer Service

Our Golden Retriever Bruce takes pride in his role of greeting clients and setting everyone in the office at ease.

He enjoys long walks during his lunch break, and if you are having a stressful day or need a smile, he will be the first one to come running up to you and give you some love!

Bruce is responsible for licks and kisses.