Expertise.com
2024

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Best Health Insurance Agencies in Concord

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Concord Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2422

Reviewed

1456

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3478 Buskirk Avenue, Pleasant Hill, CA 94523
WebsiteLicense: 0D10244

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Hindsight Insurance Services is an independent insurance agency that serves clients in Concord and surrounding areas since 1992. Through a range of carriers, its team of agents provides health insurance policies such as HMO, PPOs, and POS plans to individuals and businesses. The company also has supplemental plans such as Medicare, dental, vision, and long-term care coverage. Hindsight Insurance Services also contributes to the local community by donating a share of its profits through the Rotary.

  • Life Insurance

3050 Citrus Circle, Walnut Creek, CA 94598
WebsiteLicense: 0L81076

Expertise.com Rating

Why choose this provider?

Specialists in Health Insurance Services Inc. has been ushering individuals and business owners through the insurance market since 1989. Serving clients in Concord, its brokers offer personal insurance programs that cover Medicare supplements, as well as dental and vision care. It also sources employer group benefits and corporate life insurance plans from Kaiser Permanente, Blue Shield of California, and Anthem Blue Cross. Its acting president, E. Scott McKnight, is a third-generation insurance broker who started his career in 1998.

  • Individual Plans
  • Life Insurance

8425 Brentwood Boulevard, Brentwood, CA 94513
WebsiteLicense: 0G30664

Expertise.com Rating

Why choose this provider?

Van Berg Insurance Services focuses on providing Medicare coverage options to Concord seniors and families. Having been in the industry for over two decades, it offers access to Medicare specialists and conducts Medicare 101 webinars for clients' guidance. Its health insurance agents work with different carriers and help clients understand and choose from available Medicare Advantage and supplement and prescription drug plans. They also provide family and individual health care plans through Covered California, a health exchange marketplace.

  • Health Insurance

1485 Civic Court, Concord, CA 94520
WebsiteLicense: 0A93547

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Founded in 1996, Tower Resources Insurance Services is an independent brokerage firm that offers health insurance plans to individuals, families, and businesses in Concord. It also provides dental, vision, life, long-term care, and disability insurance policies. Tower Resources Insurance Services represents insurance carriers including MetLife, Health Net, Blue Shield California Choice, and Best Life. In addition to insurance products, Tower Resources Insurance Services also caters to HR consulting, COBRA administration, and online HR library services.

  • Life Insurance

5041 Clayton Road, Concord, CA 94521
WebsiteLicense: 0824114

Expertise.com Rating

Review Sources

Google
4.0 (12)
Yelp
5.0 (8)
Facebook
5.0 (6)

Why choose this provider?

Gail Williams is a State Farm insurance agent serving individuals and businesses in Concord and nearby areas. She has been in practice since 1978 and offers health, life, auto, renters', and homeowners' insurance policies. She also provides business services such as commercial vehicle and workers' compensation insurance. She is fluent in English and Spanish and is a Legion of Honor qualifier and Ambassador Travel qualifier. Gail's customer support team is available 24/7 to address clients' concerns.

  • Individual Plans
  • Life Insurance

1470 Civic Court, Concord, CA 94520
WebsiteLicense: 0748889

Expertise.com Rating

Review Sources

Yelp
5.0 (9)
Facebook
5.0 (5)

Why choose this provider?

KR Benefits is a Concord-based insurance agency that specializes in providing benefit plans for small business owners, individuals, and families. It offers health and life insurance plans, including Medicare plans, dental insurance, and vision insurance policies. Furthermore, it offers health plans that cover long-term disabilities. The company also provides group medical benefits and health-saving accounts for businesses with two-100 employees. Other services offered by KR Benefits include special risk plans, business travel accident insurance, and voluntary and worksite insurance.

  • Individual Plans
  • Life Insurance

1320 Willow Pass Road, Concord, CA 94520
WebsiteLicense: 0I01926

Expertise.com Rating

Review Sources

Google
4.0 (26)
Yelp
1.0 (2)

Why choose this provider?

Mainstream Insurance Services, LLC, is a local independent agency established in 2012 that serves Concord and the surrounding communities. It provides health insurance solutions, including individual and family health, dental and vision, long-term care, and disability coverage. The company also offers group health benefits for commercial clients and business insurance coverage, including general liability and workers' compensation policies. Principal agent Lalaine Latimer has over 20 years of experience in claims before becoming an insurance agent. Additionally, she has a Claims Laws Specialist certification.

  • Individual Plans
  • Life Insurance

3557 Mount Diablo Boulevard, Lafayette, CA 94549
WebsiteLicense: 0F27222

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Mt. Diablo Insurance Brokers, Inc. offers insurance policies to residents of Concord and the surrounding areas. It offers individual and group health insurance that provides dental, vision, and short-term and long-term disability plans. The company also offers auto, homeowners, and life insurance. In addition, business and commercial clients can consult with the company regarding general liability, professional liability, surety and fidelity bonds, and workers' compensation plans. Since its founding in 2006, the company has grown to comprise agents with decades of experience in the industry.

  • Life Insurance
  • Health Insurance

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 does the Advanced Premium Tax Credit work for Concord residents under the Inflation Reduction Act of 2022?

    For Concord citizens, the Advanced Premium Tax Credit provides federally-backed financial aid for health premiums, setting a spending cap based on income. Eligibility factors include age, household details, and regional healthcare costs. This support is exclusive to Covered California plans. Residents can gauge potential eligibility via a subsidy calculator but must confirm through Covered California during application.

  • Can non-citizens or those with uncertain immigration statuses get health insurance in Concord?

    In Concord, citizenship or perfect immigration status isn't necessary for Medi-Cal qualification. Those without clear immigration status can access emergency and pregnancy-related Medi-Cal services if they fulfill other eligibility criteria. However, immigrants with a clear status who meet the requirements are eligible for comprehensive Medi-Cal benefits.

  • Can family members in Concord qualify for distinct health coverage simultaneously?

    In Concord, it's common for family members to be eligible for different health programs concurrently. Through Covered California, parents might qualify for tax credits, while their children can access Medi-Cal due to different eligibility criteria for youngsters. In other scenarios, one parent might obtain Covered California without subsidies because of job-provided affordable coverage, while the other parent and children could qualify for Medi-Cal or premium assistance tax credits.

  • What is the maximum waiting period for health coverage eligibility under the ACA in Concord?

    In Concord, under the Affordable Care Act, the waiting period for health coverage is the time before an otherwise eligible individual can access their group health plan benefits, and this period cannot surpass 90 days, including weekends and holidays. Eligibility criteria might encompass factors like job classification or meeting a genuine employment-based orientation phase. Once eligibility is confirmed, the waiting period starts and must not extend beyond 90 days.

  • What are the continuation coverage options for Concord residents after losing employer health benefits?

    In Concord, individuals losing group health benefits can retain their employer's health coverage via continuation options such as COBRA, Cal-COBRA, or insured Conversion. Employers must be informed about these choices. If you opt for continuation coverage, you bear the entire premium cost. Switching between continuation types might be possible after exhausting one, and strict deadlines apply.

  • 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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