Expertise.com

Best Health Insurance Agencies in Alaska

2024

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Website
Alaska
  • Group Plans
  • Individual Plans

Why choose this provider?

Total Benefit Solutions offers comprehensive and customizable insurance solutions to fulfill the needs of small- to medium-sized businesses and companies with personnel employed abroad around Alaska. The company's team of advisors helps clients select an insurance plan that meets their individual needs and budget. It offers health insurance with a wide range of inclusions, such as medical, dental, life, disability, and vision plans. The business partners with some of the most reputable carriers, including Aetna, MetLife, and VSP.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Website
Alaska
  • Individual Plans

Why choose this provider?

Mighty Well Insurance of Alaska provides individual healthcare plans in which clients have complete control over policy coverage and changes. The clients are also given a chance to choose which health provider they prefer without any restrictions. The plan it offers pays a daily benefit amount for hospital admissions, surgeries, doctor's office visits, and emergency services. Mighty Well Insurance of Alaska also carries policies for critical illnesses like kidney failure, advanced Alzheimer's disease, heart attack, and cancer.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Website
Alaska
  • Group Plans
  • Individual Plans

Why choose this provider?

Justin Goodman is an insurance expert who serves families and individuals in Alaska and the surrounding areas. He processes a wide selection of personal protection plans, including health insurance, and helps policyholders file claims to recover reimbursements for medical expenses. He and his team also offer life, pet, homeowners', renters', condominium, and auto insurance. Goodman has been a part of State Farm for more than a decade, and his agency accommodates clients who speak Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (209)
Facebook
5.0 / 5 (50)
Yelp
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Alaska
  • Individual Health Insurance

Why choose this provider?

Homer Insurance Center has been extending its risk management services to Alaska since 1992. The independent agency offers health insurance policies sourced from a select roster of insurance carriers. Potential policyholders may choose from Exclusive Provider Organization, Health Maintenance Organization, Point of Service, or Preferred Provider Organization types—depending on the coverage they need for medical fees, surgical bills, prescription medicine, and rehabilitative treatment. The family-owned agency is co-led by agent Stephanie Green, who has served as president of the Alaska Independent Insurance Agents & Brokers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (8)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Alaska
  • Group Plans

Why choose this provider?

Silva Insurance Services, LLC offers different types of individual and group health insurance products for residential and commercial clients in Alaska. Its choices involve comprehensive financial coverage for various medical needs, including dental treatments, rehabilitative care, emergency surgeries, and long-term medication. Its agents conduct holistic evaluations of offered products and their scopes of coverage, as well as a client's specific goals and allotted budget. The firm works with a variety of insurance carriers, including Aetna, VSP, and CNA Surety.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Alaska
  • Life Insurance
  • Individual Plans

Why choose this provider?

Justin Goodman has been working with clients across Alaska for over 12 years. He is a State Farm agent who provides health insurance plans to customers. Goodman offers Medicare Supplement Insurance, a solution that provides coverage for items not part of the client's Medicare plan. He also prepares other insurance policies that cover the individual's homes, vehicles, and pets, as well as valuable items like laptops and jewelry. Members of Goodman's team can conduct business with Spanish-speaking customers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (208)
Facebook
5.0 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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