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Best Health Insurance Agencies in Bellflower

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Amorjah Ramos logo
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License Verified:

License: 0D91471

California Department of Insurance

Amorjah Ramos

16731 Bellflower Blvd, Bellflower, CA 90706
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  • Life Insurance

Business Description

Amorjah Ramos operates a State Farm insurance agency that serves clients in Bellflower and nearby areas. She offers health insurance which provides financial protection against high medical expenses. Amorjah also provides insurance products for cars, homes, properties, businesses, and pets. She has been with State Farm Insurance since 1999. Her agency, which has a Spanish-speaking team, supports local police and fire responders by providing them with pizza from time to time. Amorjah has been a State Farm insurance agent since 2013.

License Verified:

License: 0D91471

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
5.0 / 5 (65)
Yelp
4.5 / 5 (10)

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
iDeliver Insurance logo
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License Verified:

License: 0F50178

California Department of Insurance

iDeliver Insurance

7850 Imperial Hwy. Suite C, Downey, CA 90242
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  • Individual Plans
  • Group Plans
  • Life Insurance
  • Individual Health Insurance

Business Description

For more than 13 years, iDeliver Insurance has been serving the residents of Bellflower and the neighboring communities. It helps clients protect themselves financially in case they suffer from an injury or illness by providing them with health insurance policies for individuals, families, children, and seniors. Its other products include auto, dental and vision, life, homeowners', renters', and motorcycle insurance. iDeliver Insurance partners with companies like Travelers, Progressive, Safeco Insurance, and Anthem to find a coverage that matches its customers' needs.

License Verified:

License: 0F50178

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Center Associates logo
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License Verified:

License: 0203423

California Department of Insurance

Insurance Center Associates

1622 S. Gaffey #104, San Pedro, CA 90731
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  • Life Insurance

Business Description

Insurance Center Associates is an agency that provides health insurance services to clients in Bellflower and nearby communities. Its offices in Torrance and San Pedro have access to a wide variety of health insurance providers, and their agents can guide customers in choosing the type of plan that suits their needs. These include HMO, PPO, EPO, and HSA types of insurance coverage. In addition, the company also offers auto, homeowners', motorcycle, and business insurance services.

License Verified:

License: 0203423

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
Facebook
4.9 / 5 (33)
Google
5.0 / 5 (28)

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
Marina Amezcua logo
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License Verified:

License: 0G39814

California Department of Insurance

Marina Amezcua

4940 N Long Beach Blvd Suite C -1St Floor, Long Beach, CA 90805
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  • Health Insurance
  • Medicare

Business Description

Marina Amezcua is an insurance agent with UnitedHealthcare who serves clients in Bellflower and nearby areas. She offers various Medicare-related plans, providing Medicare Advantage, supplements, and prescription drug plans, as well as special needs plans for people who have unique financial and healthcare needs. Marina has been certified to sell UnitedHealthcare policies for eight years. She helps clients explore their choices and decide on the plan that will fit their needs.

License Verified:

License: 0G39814

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)
Facebook
5.0 / 5 (3)
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
Mike Chai logo
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License Verified:

License: 0C63743

California Department of Insurance

Mike Chai

15925 Bellflower Blvd, Bellflower, CA 90706
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  • Individual Health Insurance

Business Description

Mike Chai offers health insurance products and assistance in Bellflower. Chai's team guides customers in picking policy plans that suit their needs in times of injuries and illnesses. They also help in obtaining life and pet protection plans, as well as indemnities for cars, homes, businesses, and properties. Clients are also offered banking assistance, annuities, and mutual funds. Chai was a State Farm claim representative from 1993 to 1999 and started his agency on January 1, 2000. He speaks English and Spanish.

License Verified:

License: 0C63743

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.
4.7
Google
4.5 / 5 (57)
Yelp
5.0 / 5 (18)
Facebook
5.0 / 5 (8)

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.

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