Best Health Insurance Agencies in Bakersfield

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Last updated: October 1, 2022

Clifford & Bradford Insurance Agency

1800 19th Street, Bakersfield, CA 93301

Group Plans
Life Insurance

Clifford & Bradford Insurance Agency is an insurance agency that serves clients in the Bakersfield area. It aims to protect businesses and their employees from unexpected circumstances in the future by offering them a range of health insurance packages that suit their long-term goals and needs. Policies it offers include group health, vision, disability, supplemental voluntary products, and Medicare. HSA plans, 401k retirement plans, and dental care packages are available as well. The company and its staff are committed to protecting businesses through efficient strategies.

Crosby and Crosby Insurance Services

111 H Street, Bakersfield, CA 93304

Individual Plans
Life Insurance

Crosby and Crosby Insurance Services is a local independent agency that has been operating in Bakersfield since 1963. It offers individual and group health insurance plans along with expertise in HSA. Medicare Advantage and Medicare part D plans are also available. Its team of professionals specializes in life, auto, recreational vehicle, and firearm insurance. With 45 years of industry experience, the agency has built partnerships with multiple insurance carriers, such as Travelers, Unitrin Specialty, and Commerce West Insurance Company.

Denesha Insurance Agency

5601 Truxton Ave Ste. 150, Bakersfield, CA 93309

Individual Plans
Life Insurance

Denesha Insurance is an independent insurance firm in Bakersfield specializing in health insurance, Medicare coverage, and employee benefits insurance. The agency can assist individuals with concerns regarding Medicare, Medicare Part A, Part B, Part D, and supplemental coverage. The firm also offers its clients self insure, level funding for small businesses, direct primary care, and Medi-Share. Previous clients have commended Terry and Debbie Denesha from Denesha Insurance for their knowledge of their insurance needs and concerns.

Elizabeth Cardenas

5201 California Avenue, Bakersfield, CA 93309

Individual Plans
Life Insurance

Elizabeth Cardenas of State Farm is an insurance agent that resides in Bakersfield, California. She responds to the needs of individuals and companies who are looking for health insurance plans within the metro. She also specializes in auto, homeowners', life, and business insurance. In addition, Cardenas has a total of over 19 years of experience along with fellow State Farm agents. Furthermore, she offers banking and mutual funds products to assist clients in improving their financial situation.

Fallgatter Rhodes Insurance Services

1701 G Street, Bakersfield, CA 93301

Individual Plans
Life Insurance

Fallgatter Rhodes Insurance Services is a local insurance company operating in Bakersfield and has been serving the local metro and its nearby areas since 1993. With over 100 years of combined experience, its team specializes in offering health insurance plans to business owners as part of their employee benefits programs, with supplemental plans such as dental and vision insurance policies. Other areas of specialization are HR and payroll services. Fallgatter Rhodes Insurance Services is a member of United Valley Insurance Services along with other 80 agencies.

Insurance Savings Group

3612 Coffee Road, Bakersfield, CA 93308

Life Insurance

Insurance Savings Group is composed of businesses, self-employed individuals, and employees who save and share money to pay health insurance expenses such as medical, vision, and dental. The company offers its membership agreement which is used to improve benefits and enhance health plans for clients. Insurance Savings Group caters to those in the Bakersfield metro area. Members will be provided the option to save money for expenses in the future while being protected from gaps in their existing insurance plans.

Insurica

8500 Stockdale Highway, Bakersfield, CA 93311

Life Insurance

INSURICA is an independent insurance broker in the Cameron Group of companies. Its Bakersfield location serves local clients through its wide selection of insurance products and solutions. These products range from health plans for employees to insurance coverage for vacation properties, recreational vehicles, and personal watercraft. The business has experience providing custom insurance services for various industries such as the healthcare, hospitality, and agriculture industries. INSURICA was recognized by Rough Notes as the 2019 Agency of the Year.

James D. Miller. Jr. Insurance Agency

1527 19th Street, Bakersfield, CA 93301

Individual Plans
Life Insurance

James D. Miller. Jr. Insurance Agency provides clients in Bakersfield with health insurance plans. Moreover, the local agents assist individuals and businesses with life, commercial, flood, earthquake, and umbrella insurance policies. They also offer homeowners', renters', landlord, mobile home, and vacation rental home insurance options. Their other insurance products include auto, boat, motorcycle, SR22, and ATV insurance plans. The company represents multiple insurance carriers, such as Kemper, National General Insurance, and State Compensation Insurance Fund.

Omega Insurance

400 H Street, Bakersfield, CA 93304

Individual Plans
Group Plans

Omega Insurance is an independent insurance agency serving individuals and business clients in the Bakersfield area. It offers various health insurance coverage options for individuals, such as fee-for-service health plans, HMO, PPO, and POS. It also deals handles group health coverage, like health insurance, vision coverage, dental insurance, and health savings accounts for commercial clients. Omega Insurance represents several insurance carriers and deals with other coverage plans, such as auto, home, business, and workers' compensation insurance.

Paul Sheldon Jr., CLU, ChFC

5373 Truxtun Avenue, Bakersfield, CA 93309

Group Plans
Life Insurance

Paul Sheldon Jr., CLU, ChFC is a Bakersfield-based insurance agency serving the insurance needs of individuals, families, and employers since 1986. The agency specializes in life insurance and a wide range of health insurance options, including Group Health Plans, Medicare Supplement Plans, Long-Term Care Insurance, and Disability insurance. Individuals under 65 may also obtain PPO health plans that cover dental and vision care, as well as HSA or Health Savings Account to cover office visits and prescription drugs expenses.

Terrence Close

4900 California Avenue, Bakersfield, CA 93309

Individual Plans
Life Insurance

Terrence Close is an insurance agent affiliated with Bankers Life, and has been providing services to clients in the Bakersfield metro and the surrounding areas since 2009. He is dedicated to providing his personal services and insurance planning solutions, so clients can maximize their retirement. He also offers products that include long-term care insurance, annuities, life insurance, and Medicare supplement insurance. Medicare supplement insurance comes in different coverages such as hospital, medical, and prescription drugs.

The Lynn Company

3761 Bernard Street, Bakersfield, CA 93306

Individual Plans
Life Insurance

The Lynn Company is an insurance agency serving consumer and corporate clients located in the Bakersfield area. It offers employee benefits policies and medical plans such as HMO, PPO plans, and HDHP. It is an employee benefit consulting firm that has been dealing with various health insurance coverages since 1955. It also assists its clients when it comes to group and individual health insurance, Medicare Supplement plans, Covered California Exchange coverage, and the Affordable Care Act.

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Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

A: 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.

Q: Do employers have to offer health insurance?

A: 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.

Q: Do you have to pay a health insurance deductible upfront?

A: 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.

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