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Best Health Insurance Agencies in Yuma

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Best Buy Insurance logo
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License Verified:

License: 1800000916

Arizona Department of Insurance and Financial Institutions

Best Buy Insurance

1835 S. 4th Ave., Yuma, AZ 85364
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  • Health Insurance

Business Description

Founded in 1996, Best Buy Insurance offers health policies for clients in Yuma. The company aims to help clients understand their health care options and provides plans from various brands in the industry. It also offers life, home, and auto insurances. The company also insures toys, watercraft, and RVs including traveling companions and clients’ valuables during the trip. Best Buy Insurance also offers commercial and contract surety bonds like automotive dealer, wage and welfare, contract, and bid and performance bonds.

License Verified:

License: 1800000916

Arizona Department of Insurance and Financial Institutions

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
4.1 / 5 (87)
Facebook
3.7 / 5 (19)
Yelp
3.0 / 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
Creative Insurance Solutions, Inc. logo
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License Verified:

License: 1800003559

Arizona Department of Insurance and Financial Institutions

Creative Insurance Solutions, Inc.

1405 West 16th Street, Yuma, AZ 85364
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  • Life Insurance

Business Description

Headquartered in the Yuma area, Creative Insurance Solutions, Inc., is an independent agency that serves individuals, families, and businesses. It offers both individual and group health insurance plans. It also provides Medicare Supplement, Medicare Part D, and travel insurance. In addition, it offers group insurance policies with medical, dental, and group vision coverage. Agent Ramona Camacho has been working in the insurance industry for more than three decades. She also serves both English- and Spanish-speaking clients.

License Verified:

License: 1800003559

Arizona Department of Insurance and Financial Institutions

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)
Liz Laster logo
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License Verified:

License: 6737535

Arizona Department of Insurance and Financial Institutions

Liz Laster

7175 E 31st Place, Ste B, Yuma, AZ 85365
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  • Life Insurance
  • Health Insurance

Business Description

Liz Laster is an insurance agent that has been serving clients in Yuma for over eight years. She helps individuals, families, business owners, and employees find health insurance policies that fit their unique needs. She can also assist with disability income and long-term care plans. Liz provides customized risk management solutions for personal and commercial properties and financial plans for retirement and wealth management. She is affiliated with Farm Bureau Financial Services that offers life and annuity products in 14 states.

License Verified:

License: 6737535

Arizona Department of Insurance and Financial Institutions

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 (5)

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
Martin Armijo logo
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License Verified:

License: 6746176

Arizona Department of Insurance and Financial Institutions

Martin Armijo

708 E 32nd Street, Yuma, AZ 85365
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  • Health Insurance

Business Description

A second-generation State Farm insurance agent, Martin Armijo has been serving clients in Yuma and the surrounding areas since 1994. He helps families, individuals, and senior citizens find insurance coverages that protect their finances from costly healthcare expenses. Armijo's offerings include individual medical coverage, supplemental health insurance, and Medicare supplement insurance. He also designs life policies, whether permanent, term, or universal. Martin Armijo's team has earned many awards from State Farm, including the President’s Club and the Legion of Honor.

License Verified:

License: 6746176

Arizona Department of Insurance and Financial Institutions

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 (49)
Facebook
5.0 / 5 (8)
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
Montoya Group, L.L.C. logo
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License Verified:

License: 1800001705

Arizona Department of Insurance and Financial Institutions

Montoya Group, L.L.C.

650 S 4th Ave, Yuma, AZ 85364
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  • Individual Plans
  • Group Plans
  • Health Insurance

Business Description

Montoya Group, L.L.C., serves the insurance needs of self-employed individuals, families, and business owners in the Yuma metro and the surrounding communities. It offers health insurance plans to protect clients from financial losses caused by medical expenses. The company also accommodates customers who want to acquire life insurance, which includes whole, term, and universal coverages. It creates personalized policies suited to policyholders' budget and needs. Montoya Group has been delivering financial investment solutions since 1962.

License Verified:

License: 1800001705

Arizona Department of Insurance and Financial Institutions

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
––
Rick's Insurance Agency logo
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License Verified:

License: 8387473

Arizona Department of Insurance and Financial Institutions

Rick's Insurance Agency

390 W Catalina Dr Suite 1, Yuma, AZ 85364
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  • Life Insurance
  • Health Insurance

Business Description

Rick's Insurance Agency offers assistance in shopping for suitable life and health insurance in Yuma. Drawing from the experience of helping insure Arizona residents since 1999, the agency helps clients find protection policies that are appropriate for their needs, goals, and preferences. As an independent company, it connects consumers to carriers like John Hancock, Ameritas, Aetna, and Mutual of Omaha. Clients may contact Rick's Insurance Agency regarding their insurance concerns via phone calls, emails, or online appointments.

License Verified:

License: 8387473

Arizona Department of Insurance and Financial Institutions

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
RL Jones Insurance Services & MVS logo
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License Verified:

License: 1800000109

Arizona Department of Insurance and Financial Institutions

RL Jones Insurance Services & MVS

847 West 8th Street, Yuma, AZ 85364
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  • Life Insurance

Business Description

RL Jones Insurance Services & MVS is an insurance agency serving clients in and around Yuma for more than 36 years. It provides group health insurance plans, including medical, dental, disability, and vision coverage, as well as health reimbursement accounts and health savings accounts. It also handles auto insurance, homeowners insurance, and business insurance plans. The agency is an authorized third-party provider for the Arizona Motor Vehicle Department. As such, it offers insurance verifications, level inspections, and plate renewals.

License Verified:

License: 1800000109

Arizona Department of Insurance and Financial Institutions

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.
4.6
Facebook
5.0 / 5 (5)

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
Schofield Family Insurance logo
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License Verified:

License: 1800001966

Arizona Department of Insurance and Financial Institutions

Schofield Family Insurance

2435 S. 8th Ave., Yuma, AZ 85364
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  • Life Insurance
  • Health Insurance
  • Medicare

Business Description

Schofield Family Insurance assists clients in choosing suitable health coverages in Yuma. It helps customers make informed choices by providing details and answering questions about the features and benefits of various plans. Its health insurance options include the short-term medical plan, which is an alternative to the Affordable care Act. The agency's representatives offer this option to those who are in between jobs. Schofield Family Insurance is an independent agency representing multiple carriers like UnitedHealthOne and VSP.

License Verified:

License: 1800001966

Arizona Department of Insurance and Financial Institutions

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 (11)
Google
5.0 / 5 (1)
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