About Us - Hedges Insurance - Best in Atascadero, CA

About Us

Insurance experts you can trust.

About Our Company

We have been a leader in the state for selling health plans since the mid-90’s, securing coverage for everything from school districts to small business to seniors with Medicare. Our clients trust us when they have a problem claim because we treat them like we would like to be treated. We love to make the insurance process easy for our clients!

Meet Our Team


Michael Hedges


Mike Hedges has proudly practiced Health and Life Insurance since 1989 from San Luis Obispo County but has clients in dozens of states. Along with several superb associates, he has built a business that insures thousands of lives utilizing over 25 different insurance carriers. His goal is to get the best value and save money for his clients. Michael is a Southern California native, graduating Bishop Amat High School and attended Saddleback College with an emphasis in Business.

A lifelong Dodger fan of course, he is so old he watched Don and Sandy pitch many times from just above the Dodger dugout at Lasorda’s “Blue Heaven”.

For recreation and exercise he rides his Montesa Trials motorcycle, bicycle and swims. Mike has two adult children and four grandchildren that are his pride and joy.

Mike has traveled to five continents for medical, humanitarian, Christian missions and locally been involved in homeless outreach for over 20 years. He considers himself amongst the most fortunate people that have ever lived.


Ben Owens

Medicare Specialist

Ben Owens and his wife Chrissy moved to the Central Coast in 2007. After completing his degree in Associate Arts, he spent over five years leading teams of people to various third-world countries for a non-profit organization. His teams would spend the week or more involved in numerous humanitarian projects to help the poor and those in need.

Mike Hedges traveled to Peru twice and Rwanda accompanying Ben and getting to know him. He invited Ben if he ever wanted, to join Hedges Insurance in an agent role and that the position is there for him when he was ready. That finally became a reality in 2011. Ben’s easy going attitude, great people skills, his humor and attention to detail made for a great team member.

Ben specializes in Medicare Supplements, Medicare Advantage, Part D Prescription Drug plans as well as a great deal of life insurance products.

This business allows Ben to do what he enjoys most; help people and it shows as his clients like and trust him. Finding the right coverage to fit the specific needs of the client, knowing complex Medicare rules, knowing how and when to enroll into Medicare from the Social Security Department while making it easy to understand is the goal of each and every relationship Ben has with a client.


Daniel Cappel

Medicare Specialist

Dan Cappel has been with Hedges Insurance Services since 2004, primarily specializing in Medicare. He is a long-time local and grew up going through the Atascadero school system. After high school he went off to Chico State to study Journalism and Philosophy, which oddly enough, was great training for teaching the ins and outs of Medicare. Dan has been involved in coaching his nephew in youth baseball for the last decade and had enjoyed teaching kids the love of baseball and competition. He is also an avid traveler who has been to many different continents as well as all over America. Dan has also been a longtime mountain bike enthusiast who has been riding the trails all over San Luis Obispo county for the many years.


Aaron Ward

Employer Benefits

Aaron has lived in San Luis Obispo County since 1998 and graduated from Cal Poly San Luis Obispo in 2004. He is married with two wonderful children. Aaron has been a licensed Insurance Broker with Hedges Insurance Services since 2001. Aaron has extensive knowledge in all aspects of health, dental and life insurance although his primary focus is employer benefits. Aaron is in charge of all Large and Small groups at Hedges Insurance Services and oversee all lines of coverage pertaining to the hundreds of employer groups Hedges insures.