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Best Health Insurance Agencies in Springdale

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Boone Ritter Insurance logo
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License Verified:

License: 100111322

Arkansas Insurance Department

Boone Ritter Insurance

3906-B Kelley Ave., Springdale, AR 72762
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  • Life Insurance
  • Health Insurance

Business Description

Boone Ritter Insurance is an independent agency serving personal and commercial clients in Springdale. It offers health insurance options that fit the needs of individuals and families' needs and group health benefits for employees. The agency also provides risk management solutions for life, automobiles, homes, and businesses. Boone Ritter Insurance was founded in 1968, focusing mainly on life insurance before expanding to cover the property and casualty side of insurance in 1975. It is affiliated with various carriers, including AmTrust and Kemper.

License Verified:

License: 100111322

Arkansas Insurance Department

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 (11)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Brad Scott logo
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License Verified:

License: 1677227

Arkansas Insurance Department

Brad Scott

2020 East Joyce Boulevard, Fayetteville, AR 72703
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  • Individual Plans
  • Life Insurance

Business Description

Brad Scott is a State Farm health insurance agent serving clients from Springdale and the surrounding areas. Scott provides Medicare Supplement plans and a wide range of medical coverage plans for individuals and families. Insurance packages for homeowners, vehicles, renters, and condominium owners are also available. Scott is the owner of Brad Scott Insurance Agency, Inc., where he leads a team of six insurance professionals. His firm caters to French- and Spanish-speaking clients.

License Verified:

License: 1677227

Arkansas Insurance Department

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
Google
4.8 / 5 (79)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Garcia Agency logo
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License Verified:

License: 16943220

Arkansas Insurance Department

Garcia Agency

1336 Carley Road, Springdale, AR 72762
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  • Life Insurance

Business Description

Garcia Agency is an insurance brokerage in Springdale that offers home, automobile, life, business, and health insurance products to clients in the metro. The firm is headed by Cesar Garcia, an insurance professional and a recipient of the American National's Blue Vase Award in 2019. He offers health insurance plans such as Medicare Supplement, recovery insurance, critical illness insurance, limited medical insurance, and accident insurance. It also offers life insurance lines such as whole life, term life, and universal life coverage plans.

License Verified:

License: 16943220

Arkansas Insurance Department

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 (9)

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
––
Juan Barcenas logo
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License Verified:

License: 17885783

Arkansas Insurance Department

Juan Barcenas

1301 E Robinson Avenue Suite C9, Springdale, AR 72764
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  • Life Insurance
  • Health Insurance

Business Description

Juan Barcenas is a State Farm insurance agent serving the Springfield community and nearby locations. Since 2019, he has been assisting individuals, families, and senior citizens in making well-informed decisions for choosing a health insurance coverage option. His team educates clients about the available coverages depending on the circumstances, such as supplemental health, Medicare supplement, and individual medical coverages. In addition, Barcenas offers pet, life, and business insurance plans. He also handles notary public services.

License Verified:

License: 17885783

Arkansas Insurance Department

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 (177)
Facebook
5.0 / 5 (13)

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
The Manen Group Insurance Agency logo
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License Verified:

License: 100106246

Arkansas Insurance Department

The Manen Group Insurance Agency

P.O. Box #159, Lowell, AR 72745
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  • Individual Plans
  • Life Insurance

Business Description

The Manen Group Insurance Agency is a locally owned business providing insurance solutions to clients in Springdale and the surrounding areas. The business offers a wide range of health insurance coverage, including HMO, PPO, POS, and EPO, in addition to dental and vision plans. It also serves commercial clients, providing coverage for general liability, surety bonds, commercial property, and workers' compensation. Moreover, the business works with several carriers, including Nationwide, Travelers, Liberty Mutual, and Safeco Insurance.

License Verified:

License: 100106246

Arkansas Insurance Department

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
Tim Pruitt logo
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License Verified:

License: 1672776

Arkansas Insurance Department

Tim Pruitt

3880 Willowood Ave, Suite A, Springdale, AR 72762
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  • Health Insurance

Business Description

Tim Pruitt is a State Farm agent, offering the residents of Springdale a wide range of insurance coverages. For over 40 years, Pruitt has been providing his clients with policies such as health insurance, including supplemental, medicare supplements, and individual medical plans. He also assists in vehicle, home, and property policies. Pruitt also takes care of banking and annuities, working with businesses and individuals. He has been a State Farm agent since 1989 and a Springdale resident since 1998.

License Verified:

License: 1672776

Arkansas Insurance Department

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.
4.7
Google
4.7 / 5 (131)
Facebook
4.8 / 5 (19)
Yelp
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
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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.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs