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Best Health Insurance Agencies in Alameda

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American Health Advocates Corp. logo
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License Verified:

License: 0I96519

California Department of Insurance

American Health Advocates Corp.

2223 Santa Clara Avenue, Alameda, CA 94501
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  • Health Insurance

Business Description

Alameda-based American Health Advocates Corp. is an insurance brokerage assisting individuals, families, and businesses. It offers an array of insurance solutions, including disability insurance, Medicare for those over 65 years old, group health, life, dental, and vision policies. Additionally, its insurance professionals can coach clients on their enrollment for Covered California, Medicare, Medi-Cal, Medicaid, and the Affordable Care Act. Robert Jetter has been the director of American Health Advocates since 2011. He previously worked as a branch manager for United American Insurance.

License Verified:

License: 0I96519

California 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.
3.8
Yelp
4.0 / 5 (11)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Bright Skies Insurance Solutions logo
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License Verified:

License: 0M38639

California Department of Insurance

Bright Skies Insurance Solutions

Albany, CA
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  • Health Insurance
  • Medicare

Business Description

Bright Skies Insurance Solutions is an independent agency that serves clients in Alameda. It assists clients looking to enhance the benefits and coverage provided by Medicare, such as Medigap, MAPD, PD, and MA plans. The agency's founder and agent, Barry Feigelman, has 20 years of experience in the business and pharmaceutical fields, making him equipped to help clients understand their needs and determine health insurance plans based on their goals and budget. He can also provide plans from United Healthcare, Anthem, Wellcare, and HealthNet.

License Verified:

License: 0M38639

California Department of Insurance

Caffrey Insurance Solutions logo
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License Verified:

License: 0G80281

California Department of Insurance

Caffrey Insurance Solutions

2413 Webb Avenue, Suite C, Alameda, CA 94501
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  • Individual Plans
  • Group Plans

Business Description

Caffrey Insurance Solutions serves clients in Alameda. It creates health insurance policies for individuals and families and offers Medicare Supplement, Advantage, and Prescription Drug Plans for seniors. The agency also creates custom-branded enrollment management portals for employee health plans. In addition to medical benefit policies, it provides ancillary coverage for dental, vision, life, disability, and telemedicine, as well as short-term coverages for travel. Caffrey Insurance Solutions was founded by Lynn Caffrey, who has over 40 years of industry experience.

License Verified:

License: 0G80281

California 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
Yelp
5.0 / 5 (74)
Google
5.0 / 5 (5)
Facebook
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Frankie Edwards Enterprises logo
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License Verified:

License: 0L61831

California Department of Insurance

Frankie Edwards Enterprises

2113 Myrtle St, Oakland, CA 94607
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  • Health Insurance

Business Description

Frankie Edwards Enterprises offers diverse health coverage plans in Alameda. It works with each of its clients to understand their objectives and recommend solutions like Medicare or Affordable Care Act plans. The independent agency provides individual health, dental, disability, long-term care, and vision policies. There are also auto, home, life, business, and group benefits products. Owner Frankie Edwards has been in the tax and insurance business for over 30 years. She started her brokerage agency in 2017.

License Verified:

License: 0L61831

California 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)

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
Herrera Insurance Agency &  Financial Services Inc. logo
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License Verified:

License: 0F80772

California Department of Insurance

Herrera Insurance Agency & Financial Services Inc.

1910 Olympic Blvd., Walnut Creek, CA 94596
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  • Health Insurance

Business Description

Founded in 2015, Herrera Insurance Agency & Financial Services Inc. provides risk management solutions in the Alameda metro. It helps individuals and families acquire health insurance plans to protect them from financial losses caused by medical expenses. The company also carries other personal lines of insurance, including life, home, auto, and motorcycle insurance. It also offers commercial, farm, and crop, and travel and tourism insurance. Herrera Insurance Agency & Financial Services' team brings over 35 years of combined industry experience.

License Verified:

License: 0F80772

California 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
––
M K McDonough Financial & Insurance Services logo
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License Verified:

License: 0G34187

California Department of Insurance

M K McDonough Financial & Insurance Services

1070 Marina Village Parkway Suite #101B, Alameda, CA 94501
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  • Life Insurance
  • Health Insurance

Business Description

M K McDonough Financial & Insurance Services helps clients get health, life, and disability coverage in Alameda. It guides consumers in getting personal, liability, and life indemnity policies. The company serves as a platform where companies can obtain their employees' benefit plans from multiple carriers. It also provides diverse business solutions and financial planning services. President Michael McDonough is a former president of the Chamber of Commerce in Alameda. He is the Successful Thinker Network Alameda East Bay chapter leader.

License Verified:

License: 0G34187

California Department of Insurance

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
Sharon L. Ashby logo
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License Verified:

License: 0A65131

California Department of Insurance

Sharon L. Ashby

Castro Valley, CA 94552
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  • Health Insurance
  • Medicare

Business Description

Sharon L. Ashby is an independent authorized insurance agent who serves clients in Alameda. Since 1974, Ashby has been offering a full range of custom-tailored insurance products such as health, life, and dental insurance. She is equipped to assist clients through the process of determining appropriate health insurance policies based on their varying needs and goals. She handles short-term and long-term insurance plans, as well as plans designed for students. Ashby can help her clients with Medicare and COBRA matters.

License Verified:

License: 0A65131

California Department of Insurance

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 Benefits Store logo
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License Verified:

License: 0680704

California Department of Insurance

The Benefits Store

P.O.Box 238, Alamo, CA 94507
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  • Group Plans
  • Individual Health Insurance
  • Health Insurance

Business Description

The Benefits Store serves as a health care insurance brokerage and a third-party administrator helping individuals, families, and employers to insure their dental, vision, and medical needs in Alameda. The insurance policies cover Medicare and vision plans, including UHC PPO and VPA VHMO. In addition, business owners can opt for group plans to accommodate and manage the health insurance benefits of their employees. The agency's health insurance coverages have been exclusively offered to California Local Real Estate Associations members since 1984.

License Verified:

License: 0680704

California 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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Victor James logo
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License Verified:

License: 0K19828

California Department of Insurance

Victor James

201 Macarthur Blvd Ste A, San Leandro, CA 94577
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  • Health Insurance

Business Description

Victor James offers health, life, and pet insurance plans from State Farm. James and his team also offer other policies, including auto, home, business, and property coverage, as well as protection for boats and motorcycles. In addition, they conduct financial services on banking, annuities, and mutual funds. They serve residents and businesses in the Bay Area, including Alameda, Oakland, Emeryville, Piedmont, and San Leandro. James invites clients to visit his office and also agrees to meet them in their preferred location.

License Verified:

License: 0K19828

California 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
Google
4.9 / 5 (35)
Yelp
4.0 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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