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Best Health Insurance Agencies in Antioch

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Andrew Kolasa logo
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License Verified:

License: 0G92918

California Department of Insurance

Andrew Kolasa

1546 Palos Verdes Mall, Walnut Creek, CA 94597
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  • Individual Plans
  • Group Plans
  • Medicare Supplements

Business Description

For 49 years, Andrew Kolasa has been providing individuals and businesses in Antioch with insurance plans. Kolasa offers a variety of health insurance coverages, including supplemental health care, Medicare, and individual medical plans. He also encourages clients to obtain disability insurance for preparation in case of an illness, injury, or accident. He extends his insurance services to those looking to protect their auto, home, business, and personal properties like jewelry or sports equipment. Financial services like banking, annuities, and mutual funds are also available.

License Verified:

License: 0G92918

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.
4.9
Google
4.9 / 5 (160)
Yelp
5.0 / 5 (29)
Facebook
5.0 / 5 (7)

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
Cypress Insurance logo
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License Verified:

License: 0I29683

California Department of Insurance

Cypress Insurance

8340 Brentwood Boulevard, Brentwood, CA 94513
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  • Life Insurance

Business Description

Cypress Insurance serves clients throughout Antioch and the neighboring cities. With offices located in San Jose and Brentwood, the agency offers a comprehensive suite of personal and business insurance plans. It provides individual health insurance policies and assists clients of all ages in selecting the right level of coverage for their needs and budget. It also offers dental, vision, disability, and long-term care insurance products. In addition, this insurance service provider carries life, auto, home, earthquake, and flood insurance plans.

License Verified:

License: 0I29683

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 (2)
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
––
EVCO logo
Visit WebsiteWebsite

License Verified:

License: 0F74460

California Department of Insurance

EVCO

1212 Broadway Plaza Suite 2100, Walnut Creek, Ca 94596
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  • Health Insurance
  • Life Insurance
  • Group Health Insurance Plans

Business Description

EVCO Insurance Services, Inc., is a brokerage company that specializes in employee benefits and HR technology solutions. The firm assists employers in attracting and retaining talent for the long term by providing group health insurance to employees. Its insurance advisors work with company leaders and multiple carriers to obtain the most diverse medical, dental, and vision insurance policies on the market. The team also handles automated compliance, business consulting and integration, as well as HR solutions. The company has been around since 2005.

License Verified:

License: 0F74460

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 (24)
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
––
Health for California Insurance Center logo
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License Verified:

License: 0G13531

California Department of Insurance

Health for California Insurance Center

4000 Montgomery Dr D7, Antioch, CA 95405
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  • Health Insurance

Business Description

The Health for California Insurance Center offers a wide range of policies to customers residing in Antioch. It offers solutions with varying premiums and terms, covering 60-90% of a client’s medical costs. These contracts cater to both individuals and small businesses through group plans. The center has been in business since 2004. The company assists in simplifying the process for obtaining coverage under the Affordable Care Act. In addition, the firm counsels customers on the tax deductibles for every option.

License Verified:

License: 0G13531

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.
4.5

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
Marc Protenic logo
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License Verified:

License: 0G43131

California Department of Insurance

Marc Protenic

Danville, CA 94506
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  • Individual Health Insurance

Business Description

Marc Protenic is an agent for HealthMarkets who helps clients in Antioch find appropriate health care policies. He guides families, individuals, and businesses in identifying options that meet their needs and budget. Protenic provides Medicare, life, and small group insurance policies. He offers Medicare advantage, supplement, and prescription drug plans for clients seeking Medicare coverage. There are also options for dental, vision, and critical illness insurance. In addition, he furnishes disability, long-term care, accident, and wellness policies for customers who want more choices.

License Verified:

License: 0G43131

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
3.8 / 5 (98)

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
––
Richard Pagano logo
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License Verified:

License: 0F65909

California Department of Insurance

Richard Pagano

2317 Buchanan Road, Suite B, Antioch, CA 94509
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  • Medicare Supplements

Business Description

Richard Pagano is a local insurance agent in Antioch. He has been a State Farm insurance agent since 2010. Richard offers a diverse range of products, including health insurance. The policy provides coverage for hospital expenditures, prescription drug charges, and medical consultation fees. Auto, house, property, business, life, and pet insurance are among his other products. There are also banking and mutual fund options. Richard and his team aim to establish a reputation for providing clients with insurance products that meet their specific needs.

License Verified:

License: 0F65909

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 (67)
Yelp
5.0 / 5 (45)
Facebook
4.9 / 5 (23)

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
––
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