Expertise.com

Best Health Insurance Agencies in Alameda

2023

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
Castro Valley, CA 94552
  • Health Insurance
  • Medicare

Why choose this provider?

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.

Attorney Information

Attorney NamesExperience
Sharon Ashby - Principal/ Insurance Agent42 yrs

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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.