Expertise.com

Best Health Insurance Agencies in Clovis

2024

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  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Health Insurance Agencies FAQs 〉

Last updated:

Website
1100 West Shaw Avenue, Fresno, CA 93711
  • Life Insurance

Why choose this provider?

Paul Leahey is a Family Heritage agent specializing in health insurance services. It caters to clients in Clovis who are seeking health plans for themselves and their families to prepare for unexpected medical conditions, such as cancer, heart attack, and stroke. It also covers emergency treatments, physical therapy, surgery, and hospitalization expenses of clients and their beneficiaries. Additionally, Leahey helps raise money for the Wounded Warrior Project and St. Jude Children's Hospital. He is also the owner of Inspire Provider, Inc.

License Verified:

License: 0I73942

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
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Website
964 Pollasky Avenue, Clovis, CA 93612
  • Life Insurance

Why choose this provider?

Juan Covarrubias is a Clovis-based insurance professional who is part of State Farm. He assists clients in a number of areas, including health insurance which covers individual medical coverage and Medicare supplement insurance plans. In addition, he can write supplemental health insurance policies which cover potential additional expenses such as outpatient surgeries, deductibles, unexpected child care, and emergency room visits. Covarrubias, who also offers life and business insurance, is a multi-lingual agent who speaks English, Punjabi, and Spanish.

License Verified:

License: 0L41206

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1243 East Spruce Avenue, Fresno, CA 93720
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Graveline Financial, Inc., is a full-service health insurance agency serving Clovis and surrounding areas. Its team provides health insurance solutions to individuals, families, employers, and organizations throughout the community. In addition, the company conducts programs to support its policyholders, including claims concierge and health benefit fairs. On top of that, Graveline Financial is the only insurance broker in California offering supplemental gap coverage to employers. The family-owned firm brings over 60 years of combined industry experience.

License Verified:

License: 0H55907

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.
5.0
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.

  • What are the advantages of participating in Affordable Care Act health plans for Clovis residents?

    Annually, there is a designated open enrollment period from November to January. Within this window, Clovis residents with existing policies and prospective applicants can explore and request new health insurance plans should they deem their coverage inadequate. Additionally, those with household incomes below specified thresholds are eligible for tax credits as part of this process.

  • Which types of health insurance policies are available to people living in Clovis?

    The three primary categories of health insurance policies available to Clovis residents include consumer-directed plans, fee-for-service options, and managed care policies. These health plans cover the policyholders' medical, surgical, and hospital-related costs. Depending on the specific plan chosen, policy owners may also enjoy coverage for dental expenses, mental health services, and prescription medications.

  • What types of travel-related accidents or medical conditions do travel health insurance policies in Clovis provide coverage for?

    Travel health insurance plans available to residents of Clovis offer coverage for car accidents, regardless of whether the policyholder is the driver, a passenger, or a pedestrian. These insurance plans also include provisions for medical evacuation and compensation for the loss of eyesight or hearing. Moreover, these policies extend their coverage to individuals traveling domestically and internationally.

  • What common health insurance terms can Clovis residents encounter?

    Residents of Clovis may encounter terms related to their health coverage when discussing health insurance with an agent, including deductible, copay, and coinsurance. The deductible represents the initial out-of-pocket sum that policyholders are responsible for before their insurance coverage takes effect. A copay is the insured's predetermined upfront payment for services like doctor visits and prescription refills. Coinsurance refers to the percentage of medical expenses policyholders pay after meeting their deductible.

  • Why does the issue of in-network versus out-of-network providers matter for Clovis health insurance policyholders?

    The extent of healthcare coverage provided by a health plan, whether for in-network or out-of-network healthcare providers, can affect healthcare costs incurred by Clovis residents. Individuals enrolled in an HMO plan are only afforded coverage for in-network services, except in medical emergencies. On the other hand, those with a PPO plan can potentially receive coverage for out-of-network care at their discretion.

  • 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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