Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Birmingham

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Birmingham Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4301

Reviewed

2583

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1920 1st Avenue North, Pell City, AL 35125
  • Life Insurance
  • Individual Plans

Why choose this provider?

Union State Insurance is a full-service insurance agency that services clients around Birmingham. It offers a wide range of health care and medical insurance products that suits unique needs through its vast network of health insurance carriers. Its agents aim to provide coverage for clients from catastrophic financial losses brought about by unexpected hospital stays, critical illnesses, and accidents. Additionally, Union State Insurance also provides assistance with fixed annuities, life, vehicle, and property insurance policies.

License Verified:

License: 79742

Alabama Department of Insurance

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
Facebook
5.0 / 5 (2)

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
400 Vestavia Parkway, Birmingham, AL 35216
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Cahaba Benefits Group, LLC. is a Birmingham-based benefits consulting firm that represents carriers like Guardian, United Health Care, and Humana. It has been offering an extensive array of insurance options for employer groups and individuals for over 40 years. It specializes in individual and group health insurance as well as dental and vision benefits and other supplemental products for groups. Its group medical insurance includes health reimbursement arrangements and health savings accounts on top of the traditional plan.

License Verified:

License: 231547

Alabama Department of Insurance

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 (1)

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
9624 Parkway East, Birmingham, AL 35215
  • Individual Plans
  • Life Insurance

Why choose this provider?

The Reed is an insurance agency in Birmingham that provides personal insurance lines in the area. The firm is committed to providing tailored insurance products and services through its top-rated health and life insurance partners. Some of its health insurance products include individual health insurance, group insurance plans, and family health coverage plans that cover expenses for medical bills, prescription drugs, examinations, and hospitalizations. It also offers automobile, homeowners', and renters' insurance coverage.

License Verified:

License: 766692

Alabama Department of Insurance

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.
4.0
Google
4.0 / 5 (32)
Facebook
4.0 / 5 (18)

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
100 Frankfurt Circle, Birmingham, AL 35211
  • Life Insurance

Why choose this provider?

Tameka Holmes is a State Farm insurance agent operating in the Birmingham area. She aids clients via different insurance services under auto insurance, home insurance, life insurance, health insurance, and business insurance. Holmes joined State Farm in 2006 and has been actively involved in delivering personalized and suitable insurance coverage to her clients ever since. She also provides quotes on vehicle insurance, home insurance, renters insurance, life insurance, business insurance, and health insurance to her clients.

License Verified:

License: 295433

Alabama Department of Insurance

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 (4)

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
700 37th Street South, Birmingham, AL 35222
  • Individual Plans
  • Group Plans

Why choose this provider?

Lakeshore Benefit Alliance is a Birmingham agency that offers health insurance products. Through its signature Alliance Secondary Insurance program, the firm is able to offer solutions to companies shopping for benefits for their employees. These include medical, disability, and term life coverages, as well as ancillary, executive, and retirement benefits. The firm's focus is to help businesses provide premium benefits for their employees. An independent agency, the firm sources its health insurance products from multiple carriers.

License Verified:

License: 609818

Alabama Department of Insurance

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 (5)
Facebook
5.0 / 5 (1)

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
2737 Highland Avenue, Birmingham, AL 35205
  • Life Insurance

Why choose this provider?

Insurance Planning Services is a locally owned independent insurance agency that serves the Birmingham area. The agency was established in the mid-1970s, and its current personnel amasses 200 years of combined experience in the insurance industry. Its specialization areas include health insurance, life insurance, home insurance, and employee benefits liability insurance. Its employee benefits package cover healthcare, dental, vision, workers’ compensation, and a flexible spending account. Moreover, the agency also assists its clients with auto insurance, commercial insurance, and pet health insurance.

License Verified:

License: 46760

Alabama Department of Insurance

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.
4.8
Facebook
4.8 / 5 (43)

Website
300 Cahaba Park Circle, Birmingham, AL 35242
  • Individual Plans
  • Life Insurance

Why choose this provider?

Red Mountain Benefits Group LLC. is an insurance agency in Birmingham that has been in the industry for more than 100 years. The agency's consultant, Marvin Fore, has more than two decades of experience in delivering voluntary benefits for employees of small and large businesses. Fore and his team provide health insurance products from multiple insurance carriers. Some of the core benefits available are safe and fully funded medical plans, basic life and accidental death and dismemberment, long and short-term disability, and dental and vision.

License Verified:

License: 3000478324

Alabama Department of Insurance

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 (3)

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
11 Office Park, Trussville, AL 35173
  • Individual Plans
  • Life Insurance

Why choose this provider?

Cahaba Benefits is an independent insurance agency serving clients in Birmingham and the surrounding areas. It helps clients find the insurance coverage that fits their needs, providing a wide range of health insurance plans to help protect the client's and their family's future. The business also provides options for life insurance, which covers annuities, disability, and long-term care coverage. Cahaba Benefits also serves commercial clients, providing content, inventory, personnel, and property coverage. Additional products include home, vehicle, events, and travel insurance.

License Verified:

License: 166256

Alabama Department of Insurance

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.
4.2
Google
4.0 / 5 (21)
Facebook
5.0 / 5 (4)

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
––

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.

  • What are the health care benefits of an HMO plan in Birmingham?

    HMO or Health Maintenance Organization is a type of Managed Care health insurance option providing you access to a wide network of healthcare professionals and facilities throughout Birmingham, as long as they are participating in the HMO program. These HMO plans allow you to save money by paying fewer out-of-pocket expenses for your medical services. However, doctor visits and prescriptions will be often charged or require a co-payment.

  • What is included in the Medicare Part D coverage in Birmingham?

    Medicare Part D plans in Birmingham provide prescription drug coverage, helping you manage your medication costs and have easier access to the prescription drugs you need. These plans also offer a pharmacy mail-order service and a 90-day prescription drug supply. However, Part D plans only cover the medications or drugs included on the Formulary or drug list.

  • Can you add your newborn child to your health insurance coverage in Birmingham?

    Yes. You have 30 days from the date of birth, adoption, or placement for adoption to include your new child in your health insurance coverage in Birmingham. It is also important to note that your grandchild cannot be added to your health insurance coverage unless you or your spouse are the court-appointed legal guardian of the child.

  • When should you apply for health insurance plans from ACA Marketplace in Birmingham?

    ACA Marketplace allows you to apply for Birmingham ACA health insurance plans within the annual open enrollment period between November 1 and December 15. These ACA health plans help you achieve tax subsidies or decrease monthly premiums. If you missed the open enrollment, you may still opt to apply during the Special Enrollment Period if you have a valid reason for missing the open enrollment, such as having a child, relocating, getting married, or losing your health coverage.

  • Who should get a short-term health insurance plan in Birmingham?

    Short-term health insurance plans in Birmingham provide temporary coverage for your healthcare needs while waiting for long-term insurance solutions. These plans are often suitable if you are:

    • Waiting for ACA open enrollment or ACA coverage to start.
    • Coming off your parent’s insurance when you turn 26.
    • Going through job changes or waiting for health care benefits to begin at your new job.
    • Looking for coverage to help you transition to Medicare.
    • You don’t qualify for the Special Enrollment Period to apply for an ACA plan.
  • 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.

Related Articles

Featured

How To Get Health Insurance

In this article, we’ll explore the world of health insurance, providing insights into employer-sponsored plans, individual in...

Featuredcovid-vaccine-health-insurance-banner

Survey: 3 Out of 10 Think Unvaccinated Should Pay More for Health Insurance

We surveyed 600 adults, asking them questions, if they’ve gotten vaccinated, why they decided to get vaccinated, and if they ...