Expertise.com

Best Health Insurance Agencies in Citrus Heights

2024

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Providers

Last updated:

Website
7805 Tamara Drive, Fair Oaks, CA 95628
  • Health Insurance

Why choose this provider?

Secure Plan Plus has been providing healthcare plans to its clients in Citrus Heights since 1984. The business guides individuals in navigating the marketplace and acquiring health programs that can properly cover their needs and lifestyles. Its agents explain the Medicare healthcare program, including its restriction, requirements, and exceptions. They also have access to multiple insurance carriers such as Aetna, Assurant, Delta Dental, and Blue Cross. Secure Plan Plus is committed to helping customers understand the complex processes in health insurance.

License Verified:

License: 0753854

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5346 Madison Avenue, Sacramento, CA 95841
  • Individual Plans
  • Life Insurance

Why choose this provider?

Morelos Insurance Agency is an insurance service provider based in Sacramento. Providing insurance services throughout Citrus Heights and the surrounding areas, the agency offers a wide array of plans for individuals, families, and businesses. It offers an assortment of health insurance plans that provide coverage options for preventive care and pre-existing conditions for children. Morelos Insurance Agency also offers life insurance and long-term care insurance plans. The company represents numerous insurance carriers to provide clients with various policy options.

License Verified:

License: 0D51934

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 (2)
Yelp
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5441 Diablo Drive, Sacramento, CA 95842
  • Individual Plans
  • Life Insurance

Why choose this provider?

Robert Cooper is a local State Farm agent who serves Citrus Heights and the surrounding areas. He helps people prepare for unforeseen medical expenses through an array of health insurance plans. These include individual health, Medicare supplement, short-term and long-term disability, and supplemental health insurance policies. Furthermore, he is able to assist in filing health claims as well as policy change requests. During his free time, Robert enjoys running, working out, and playing video games.

License Verified:

License: 0F06091

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 (4)
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

Website
6130 Fair Oaks Boulevard, Carmichael, CA 95608
  • Life Insurance
  • Home and Auto Insurance
  • Business Insurance

Why choose this provider?

Serving Citrus Heights, Jennifer Knighten is a State Farm insurance agent providing an array of products. She offers various insurance solutions, such as health insurance, life insurance, workers’ compensation insurance, business insurance, and general liability insurance. Jennifer also has other insurance coverage plans for cars, trucks, properties, and homes. In addition, the agent also attends to mutual funds and banking needs. Jennifer has been part of the insurance industry since 2001.

License Verified:

License: 0E90770

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2723 Zinfandel Drive, Rancho Cordova, CA 95670
  • Individual Plans
  • Life Insurance

Why choose this provider?

Independent Solutions United is an agency founded in 1959 that serves Citrus Heights. Its team of agents helps its clients acquire various insurance products, such as health, auto, home, and business insurance. Its health insurance policy options include HMO, EPO, POS, and PPO, which can be under different insurance terms. It also partners with several insurance companies, like The Hanover Insurance Group, The Hartford, Progressive, and The Zenith, to find the best policies for its clients' needs.

License Verified:

License: 0791691

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
451 Park Fair Drive, Sacramento, CA 95864
  • Individual Plans
  • Life Insurance

Why choose this provider?

Lori McCarter Curry is a State Farm insurance broker serving clients in Citrus Heights. She offers a broad range of insurance products, including health insurance, life insurance, business insurance, auto insurance, and home insurance. She also handles other financial services, such as banking and annuities. Lori has been a State Farm agent for over 35 years, offering personalized health insurance plans, such as supplemental health insurance, individual medical coverage, and Medicare Supplement insurance.

License Verified:

License: 0690212

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2100 Northrop Avenue, Sacramento, CA 95825
  • Life Insurance

Why choose this provider?

Bocceri, Board, Higgins, and Kitz is a health insurance agency serving individuals in Citrus Heights. Its team of insurance advisors helps its clients identify and select the best health insurance providers and coverage plans that can secure their future. The firm also offers financial management advice, creating sound strategies in the areas of investments and financial planning. In addition, Bocceri, Board, Higgins, and Kitz employs a step-by-step Lifetime Economic Acceleration Process (LEAP) to help its clients meet their financial goals.

License Verified:

License: 0641450

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.
3.8
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.

  • Are there any financial aid or subsidy options available in Citrus Heights to help with the cost of health insurance premiums?

    The Affordable Care Act offers income-based assistance to eligible Covered California applicants to reduce their monthly health insurance premiums. Federal cost-sharing reduction benefits may also lower personal expenses for Citrus Heights individuals with incomes below 250% of the federal poverty level. California will likewise add state-funded cost-sharing subsidies to federal CSR benefits in 2024 for Silver-plan subscribers.

  • How can one verify that his Citrus Heights doctors are in-network for his health insurance plan?

    Check your health insurance provider's website for a list of in-network providers. Healthcare providers' websites may also provide information about their network affiliations. Before your visit or surgery, it's a good idea to call the doctor's office or facility to confirm if they are affiliated with your insurer. Lastly, you can contact your insurance company or agent in Citrus Heights to confirm the list of in-network providers using your policy number and plan information.

  • Can health insurers in Citrus Heights restrict or deny coverage for pre-existing conditions?

    If you live in the Citrus Heights area and are 19 years or older, you may experience a six-month limit on coverage for pre-existing conditions under California group health plans. For individual coverage, if the plan only includes one or two individuals, you may face a limit of pre-existing condition coverage for 12 months. However, if your plan covers a household of three or more, the limit will only apply for the first six months.

  • What is the process for appealing denied health insurance claims in Citrus Heights?

    Your insurance company in Citrus Heights may send an “explanation of benefits” for a denied claim, so you must examine this thoroughly. You can also ask your insurance for clarification after reviewing your policy. Present your insurer with all medical documentation, testing, and doctors' letters explaining your illness and need for coverage. Draft a letter of appeal stating that you are appealing and disputing the claim denial. Lastly, appeal to the California Department of Insurance if you've exhausted all appeals.

  • Do health insurance plans in Citrus Heights cover rehabilitative care?

    Rehabilitative services and devices fall under Covered California's essential health benefits and are included in a Citrus Heights health insurance package. These treatments are commonly known as physical and occupational therapy sessions designed to assist individuals with disabilities, injuries, or long-term illnesses in regaining or developing their mental and physical abilities.

  • 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.

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