Expertise.com

Best Health Insurance Agencies in Huntsville

Laurels
2023
Laurels

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Brandon Farrow logo
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License Verified:

License: 3000826470

Alabama Department of Insurance

Brandon Farrow

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4926 Highway 58, Huntsville, AL 37416
  • Life Insurance

Business Description

Brandon Farrow is a State Farm insurance agent servicing Huntsville and surrounding communities. Since 2017, he has been providing health insurance coverage options for families, individuals, and senior citizens. Disability insurance is also available for short and long-term needs. A wide range of plans is available for supplemental health, Medicare supplement, and individual medical coverage. Farrow also offers auto, property, and pet insurance. He volunteers for Habitat for Humanity and his services are available in English and Spanish.

License Verified:

License: 3000826470

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.
4.9
Google
4.9 / 5 (147)

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
Cox Associates, Inc. logo
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License Verified:

License: 79502

Alabama Department of Insurance

Cox Associates, Inc.

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115 Manning Drive Southwest, Huntsville, AL 35801
  • Life Insurance

Business Description

Cox Associates, Inc. guides clients through the step-by-step process of developing a personalized financial program that utilizes a vast range of insurance products and services. The health insurance coverages include medical insurance, accidental death or dismemberment, short and long-term disability, intensive care, and hospital indemnity. Plans for cancer, dental, and long-term care are also available. In the insurance industry for more than five decades, the firm works with individuals and businesses in Huntsville and the neighboring areas.

License Verified:

License: 79502

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Dowdy Insurance logo

License Verified:

License: 3000472668

Alabama Department of Insurance

Dowdy Insurance

7352 Wall Triana Highway, Madison, AL 35757
  • Life Insurance

Business Description

Dowdy Insurance is a health insurance agency serving individuals and families in Huntsville and the surrounding areas. The business has been serving the community since 2008, representing an extensive network of insurance carriers to provide clients with a wide array of rates and options. It specializes in long-term and short-term disability, major medical, vision, dental, and Medicare Supplement coverage. The agents at this company assist clients by analyzing their insurance need to provide coverage based on their objectives.

License Verified:

License: 3000472668

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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Medicare Strategies logo
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License Verified:

License: 667119

Alabama Department of Insurance

Medicare Strategies

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810 Regal Drive, Huntsville, AL 35801
  • Individual Plans

Business Description

Medicare Strategies is a Huntsville-based insurance agency that specializes in providing Medicare insurance plans. Its products include Medicare Supplements, Advantage, and Part D prescription coverages. The agency also implements an E3 + 1 process to educate, enroll, and support its clients throughout and after the whole insurance process. It also holds education classes and insurance reviews on currently availed Medicare products. Its owner, William A. Simmons, has over 20 years of experience in the financial industry and has been operating the agency for around four years.

License Verified:

License: 667119

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)
River Tree Insurance logo
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License Verified:

License: 444257

Alabama Department of Insurance

River Tree Insurance

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507 Drake Avenue Southwest, Huntsville, AL 35801
  • Group Plans
  • Life Insurance

Business Description

River Tree Insurance is an independent insurance brokerage that serves residents and businesses in Huntsville. It offers a range of risk management solutions, including life insurance and home insurance as well as auto and umbrella insurance. The local brokerage has been in the business since 2009 and works with several insurance carriers to give clients a variety of options that suits their needs. River Tree Insurance president and founder Brannon King and his family have been in the insurance industry since 1925.

License Verified:

License: 444257

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.
4.9
Google
4.0 / 5 (33)
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.
4.0
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.