Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Costa Mesa

Our Recommended Top 9

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 Costa Mesa 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.

2074Reviewed

1248Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2081 Business Center Drive, Irvine, CA 92612
  • Individual Plans
  • Life Insurance

Why choose this provider?

Kevin Chhiv is a State Farm health insurance agent offering services to Costa Mesa. He caters to clients who seek medical benefits by offering several health insurance options, including short- and long-term disability services. These help individuals pay their debts, such as mortgage, rents, car loans, and credit cards, if they are unable to work and provide income due to medical conditions. Additionally, Chhiv holds a bachelor's degree in business and has received Legion of Honor and Ambassador Club Qualifier awards from State Farm.

License Verified:

License: 0F38540

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.
3.7
Yelp
4.0 / 5 (12)
Google
3.0 / 5 (8)
Facebook
4.0 / 5 (4)

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
2151 Michelson Drive, Irvine, CA 92612
  • Life Insurance

Why choose this provider?

Ray Vermeulen is a French-speaking local State Farm agent that has been serving Costa Mesa and surrounding areas since 1977. Vermeulen provides health insurance plans to the community and enjoys creating lasting relationships with his policyholders. Aside from health insurance, he also offers coverages that protect individual life, homes, automobiles, and businesses. Vermeulen served in the U.S. Army with the 7th Special Forces Group. He supports several veteran causes and is a member of the Rotary.

License Verified:

License: 0540454

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 (18)
Google
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
2503 Eastbluff Drive, Newport Beach, CA 92660
  • Life Insurance

Why choose this provider?

Mike Ferraro is a second-generation State Farm agent providing life insurance plans in Costa Mesa since 1981. He offers universal, term, and whole life insurance packages, and he can deliver 24x7 support to answer any concerns. Business, auto, and health coverage solutions are also available. Mike works with his clients to find packages that fit their financial goals, such as settling debts, paying for mortgage premiums, and funding for college education. He aims to help every person to achieve their long-term goals.

License Verified:

License: 0M78562

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
Yelp
5.0 / 5 (20)
Google
4.0 / 5 (8)
Facebook
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
2211 Michelson Drive, Irvine, CA 92612
  • Individual Plans

Why choose this provider?

Burnham Benefits is an insurance company near Costa Mesa specializing in employee benefits. Its team of insurance agents and industry experts offers solutions related to health insurance, including the procurement of a health plan for employees. The company follows a consultative process composed of planning, assessing, and designing a program that suits the unique needs of its clients. They also handle pension plans, personal insurance, and other employee benefits. Burnham is a Certified B Corporation with a client retention rate of 95%.

License Verified:

License: 0587093

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 (5)
Google
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
1551 Baker Street, Costa Mesa, CA 92626
  • Individual Plans

Why choose this provider?

Mike Scheafer is a State Farm insurance agent in Costa Mesa. He provides health insurance coverage plans, including individual medical, supplemental health, Medicare Supplement, and disability insurance. Scheafer also offers other insurance policies, like business, auto, renter’s, personal articles, and life insurance. Moreover, his other available services include banking and annuities. Scheafer, a former city council member of Costa Mesa, has a strong focus on delivering services necessary to protect his clientele from the unexpected.

License Verified:

License: 0645331

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 (3)

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

Website
4695 MacArthur Court, Newport Beach, CA 92660
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Lockerman Financial Group is an independent financial services firm that that serves clients in Costa Mesa. It offers a variety of health insurance options that include long-term care insurance, disability income insurance, and medical insurance. It also offers other types of insurance products and investment services, such as retirement planning, life insurance, and mutual funds. Among its partners is Cambridge Investment Research, which serves as an investment advisor. Founder Lisa Lockerman has been working as a financial advisor since 1991.

License Verified:

License: 0G56777

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
––

Website
2082 Business Center Drive, Irvine, CA 92612
  • Individual Plans
  • Life Insurance

Why choose this provider?

Susan French has been providing health insurance services to Costa Mesa. She specializes in several types of health plans, including individual medical, supplemental health, and Medicare Supplement, to help clients protect their families from large medical expenses. She also caters to individuals looking for disability, life, home, small businesses, and auto insurance products. Additionally, French has been a State Farm agent since 1987. She has also received Crystal Excellence Qualifier and Golden Triangle Qualifier awards from the agency.

License Verified:

License: 0B86522AZ

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 (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
13 Corporate Plaza, Newport Beach, CA 92660
  • Individual Plans
  • Life Insurance

Why choose this provider?

Matt Dorough is a State Farm insurance agent servicing Costa Mesa. Since 2010, he has been providing health insurance coverage options for families, individuals, and senior citizens. A wide range of plans is available for supplemental health, Medicare supplement, and individual medical coverage. Disability insurance is also available for short and long-term needs. Dorough also offers auto, life, and homeowners' insurance. He is a member of the Costa Mesa Chamber of Commerce and volunteers for Helping Hands.

License Verified:

License: 0F18591

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
Yelp
5.0 / 5 (19)
Google
5.0 / 5 (17)

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
5015 Birch Street, Newport Beach, CA 92660
  • Individual Plans
  • Life Insurance

Why choose this provider?

Roger Stone Insurance Agency delivers comprehensive personal and commercial insurance products to residents in Costa Mesa and the surrounding areas. The company has been in the business of assisting individuals, families, and business owners in safeguarding their financial future for more than 35 years. Health insurance is one of the insurance products the company offers. Moreover, Roger Stone Insurance Agency represents a diverse group of insurance carriers that allows its clients to choose the coverage and protection that they need.

License Verified:

License: 0821541

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.
4.2
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (3)

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

FAQs

  • 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.

  • Can you enroll in a health insurance plan anytime in Costa Mesa?

    Most of the time, you can only enroll in a new health insurance plan during the allowed period, which is between November 1 and January 31. There is an exception to this rule, in which you can enroll if you have a qualifying life event. These events include getting married, relocating to or within the state, and having a child. In Costa Mesa, you can sign up for Medi-Cal at any time of year.

  • What are the cost components of a health plan in Costa Mesa?

    A Costa Mesa health plan's typical cost components are premiums, deductibles, and copayments. Premiums are monthly payments, whereas deductibles are out-of-pocket expenses that must be paid before full coverage is activated. Copayments, on the other hand, are predetermined amounts that must be paid for each medical service used. Plans with higher premiums typically have lower deductibles and copayments, and vice versa.

  • What are your options if you lose your Costa Mesa workplace health benefits?

    If you lose your employment health benefits in Costa Mesa, you can obtain an individual health plan through Covered California, potentially qualifying for subsidized plans. Alternatively, if eligible, enroll in public programs like Medi-Cal. Your employer should provide details on continuation coverage options like Conversion, Cal-COBRA, or COBRA, maintaining usual benefits but requiring premium payments. For further information, reach out to the CA Department of Insurance's Consumer Hotline at (800) 927-4357.

  • Can you be penalized in Costa Mesa for not having health insurance?

    If you do not have health insurance and do not have the financial means to obtain one, you will pay more in taxes in Costa Mesa. Penalties in annual state tax returns can amount to up to $2,550 per family, depending on income bracket. If you are experiencing financial hardship and are unable to afford coverage, you may apply for an exemption.

  • How do you know if you qualify for Medi-Cal in Costa Mesa?

    Medi-Cal is available to Costa Mesa residents who have a low income or are disabled, are under the age of 21, and are pregnant. Those enrolled in programs like Refugee Assistance, CalWorks (AFDC), and CalFresh are also eligible. For more information, call the Orange County Social Services Agency at (855) 541-5411.

  • 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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