Best Health Insurance Agencies in Tuscaloosa


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featured provider = Featured Provider

2236 Cahaba Valley Dr. Suite 201, Tuscaloosa, AL 35242
WebsiteLicense: 300686 Rating

Why choose this provider?

Insurance Solutions Group caters to individual and commercial clients throughout the Tuscaloosa area. This locally owned agency offers various types of personal insurance products, such as health insurance for individuals and groups. It helps clients in comparing their coverage options according to their specific needs and goes over health insurance plan variables during meetings. These variables include deductible options, waiting periods, and coverage exclusions. As an independent insurance agency, it represents multiple carriers to provide clients with a comprehensive selection of products.

  • Individual Health Insurance

1649 McFarland Blvd N, Tuscaloosa, AL 35406
WebsiteLicense: 65034 Rating

Review Sources

4.8 (10)

Why choose this provider?

Based in Tuscaloosa, Hull & Associates, Inc., has been providing individuals and families with insurance policies since 1999. It offers a wide variety of options, including health, life, and personal insurance. The company's health and life coverage include comprehensive medical plans and high deductible insurance plans, as well as dental insurance and disability insurance. It also offers business owners commercial insurance policies which cover workers' compensation, contractors equipment, and business property. Some of the company's members are Certified Insurance Counselors.

  • Health Insurance

1109 21st Ave, Tuscaloosa, AL 35401
WebsiteLicense: 717115 Rating

Review Sources

4.8 (60)
5.0 (21)
5.0 (1)

Why choose this provider?

Gary Rath is a local State Farm independent agent that has been serving the Tuscaloosa community since 2015. He offers health insurance products that fit the needs of individuals, families, and seniors. He can assist with medical coverage, supplement plans, and paycheck disability insurance. Additionally, he has solutions to protect homes, businesses, pets, rental properties, and personal articles. Gary's agency can provide quotes and services to clients 24/7. His team can assist clients in English, Japanese, and Korean.

  • Health Insurance

4151 University Blvd E, Tuscaloosa, AL 35404
WebsiteLicense: 479706 Rating

Review Sources

4.6 (80)
5.0 (6)
5.0 (2)

Why choose this provider?

Tracey Sova is a State Farm insurance agent who serves clients in Tuscaloosa and the surrounding areas. She offers health insurance plans which provide financial security for individuals and their families against high medical costs. Her insurance staff has more than 15 years of combined industry experience. The State Farm agency that she operates also provides insurance products for automobiles, homes, properties, and businesses. It participates in the State Farm Quotes for Good program by making charitable donations to School Yard Roots and The Salvation Army.

  • Life Insurance
  • Individual Health Insurance

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 long does an insurance company need to pay out a medical claim in Tuscaloosa?

    Medical claims must be paid within 45 days of receipt by insurance companies unless additional information is required. Once the policyholder in Tuscaloosa has provided the necessary information, the claim must be paid within 21 days. If these deadlines are not met, the payout may be subject to interest. The same 45-day period applies when notifying the policyholder that the claim has been denied.

  • Can you use short-term insurance in Tuscaloosa to avoid tax penalties under the Affordable Care Act?

    Yes, getting short-term insurance in Tuscaloosa is an option for avoiding tax penalties under the Affordable Care Act. Such insurance is typically valid for less than a year, but it can be extended for up to 36 months. Short-term insurance is typically less expensive than standard policies but provide fewer benefits. Under the ACA, all Alabama residents are required to have minimum essential coverage.

  • When can someone in Tuscaloosa qualify for the special enrollment period?

    In Tuscaloosa, health insurance enrollment typically follows specific deadlines. However, individuals can qualify for special enrollment throughout the year under various circumstances. This includes turning 26 and no longer being covered under parental insurance, recent marriage or childbirth, loss of insurance coverage, reaching the end of COBRA coverage, or moving to a new location outside the insurer's coverage area. Special enrollment offers these individuals the opportunity to obtain health insurance outside the regular enrollment periods.

  • What does it mean if the insurance company rescinds a health insurance policy in Tuscaloosa?

    When an insurance company rescinds a policy, it means that they have considered the policy null and void since it was issued. This usually occurs when there is incomplete, omitted, or inaccurate information on the application that may affect the fine print. Any premiums paid must be returned to the policyholder in Tuscaloosa. However, under the Affordable Care Act, rescission is only permitted if fraud is involved.

  • How can someone in Tuscaloosa get drug discount cards approved by Medicare?

    To obtain Medicare-approved drug discount cards in Tuscaloosa, Medicare, but not Medicaid, is required. The card is available to anyone who is a Qualified Medicare Beneficiary with Medicare paying the Medicaid premiums. Private companies usually sell these discount cards but low-income individuals can get them for free. However, individuals with military insurance, federal employee benefits, or certain retirement plans are ineligible for free cards.

  • 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.

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