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Best Health Insurance Agencies in Carson

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D&S  Insurance Services logo
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License Verified:

License: 0746727

California Department of Insurance

D&S Insurance Services

25550 Hawthorne Boulevard, Torrance, CA 90505
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  • Life Insurance
  • Health Insurance

Business Description

D&S Insurance Services has been assisting individuals, families, and businesses in the community of Carson and its surrounding areas since 1991. It is a healthcare brokerage and consulting firm that specializes in self-funded and fully insured healthcare benefits packages. It also provides a wide range of services that include risk management solutions, detailed claims evaluation, eligibility verification & dependent tracking, online billing administration, and benefit-cost analysis. D&S Insurance Services owner Debbie Schinnerer has been active in the insurance industry for more than 25 years.

License Verified:

License: 0746727

California Department of Insurance

Gregory Owens logo
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License Verified:

License: 0F30725

California Department of Insurance

Gregory Owens

21780 S Avalon Boulevard Ste 106a, Carson, CA 90745
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  • Health Insurance

Business Description

Gregory Owens is a State Farm insurance agent who has been serving clients in Carson since 2000. He offers individual health insurance, which provides additional coverage to company health plans. The policy includes subsidies for treatments and medical procedures. Owens also offers Medicare coverage for clients aged 65 and above, along with supplemental plans for expenses outside of Medicare. He also offers policies for homes, autos, properties, and businesses. In addition, Owens offers financial services like annuities.

License Verified:

License: 0F30725

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
Google
4.5 / 5 (14)
Yelp
4.5 / 5 (9)
Harmony Health Insurance Services logo
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License Verified:

License: 0774247

California Department of Insurance

Harmony Health Insurance Services

13101 W. Washington Blvd Ste 142, Los Angeles, CA 90066
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  • Health Insurance
  • Business Insurance

Business Description

Harmony Health Insurance Services addresses the wide range of health coverage needs of clients in Carson. It was established by independent insurance agent, Susan Fujimoto, who has more than two decades’ worth of experience providing health insurance plans specific to the needs, requirements, and preferences of her clients. Available coverages include individual and family insurance, dental insurance, Medicare health plans, and Small Business Health Insurance. Harmony Health Insurance Services also offers travel and term life insurance.

License Verified:

License: 0774247

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 (13)
Facebook
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
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J.L. Von Arx & Associates Insurance Services logo
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License Verified:

License: 0702245

California Department of Insurance

J.L. Von Arx & Associates Insurance Services

10761 Los Alamitos Boulevard, Los Alamitos, CA 90720
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  • Health Insurance

Business Description

J.L. Von Arx & Associates Insurance Services is an independent insurance agency that offers health insurance policies to clients in the Carson area. The firm helps clients shop for a suitable health insurance policy from various carriers, such as QBE, Foremost, Farmers Insurance, The Hartford, and Health Net. Some of its health insurance options and health plans are FFS, HMO, PPO, and POS. The agency will discuss with clients and educate them about which health plan is suitable for them.

License Verified:

License: 0702245

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Word & Brown Companies logo
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License Verified:

License: 0561771

California Department of Insurance

The Word & Brown Companies

701 South Parker, Suite 8000, Orange, CA 92868
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  • Health Insurance

Business Description

The Word & Brown Companies is a trio of health insurance carriers that cater to both businesses and individual clients in Carson. It employs over 550 different staff members, composed of health insurance consultants and account managers. The trio provides online quotes for various policy options for individual, family, and business health concerns. These include hospital coverage and prescription and supplement options. The Word & Brown Companies can also set up company dental and vision plans for short-term and long-term periods. The firm frequently assists and donates to charities like Susan G. Komen.

License Verified:

License: 0561771

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.
4.6
Facebook
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
––
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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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