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Best Health Insurance Agencies in El Cajon

Laurels
2023
Laurels

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Boswell Insurance Agency, Agents & Brokers, Inc logo
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License Verified:

License: 0A96080

California Department of Insurance

Boswell Insurance Agency, Agents & Brokers, Inc

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26461 Crown Valley Parkway, El Cajon, CA 92691
  • Life Insurance

Business Description

Boswell Insurance Agency, Agents & Brokers, Inc has been serving El Cajon and the surrounding areas for more than 53 years. It offers various group insurance products for businesses of all sizes. Its coverage includes group life, disability, and long-term care insurance options. The company also provides commercial, personal auto and home, and life insurance. In addition, professionals and businesses can also take advantage of policies such as professional liability, workers' compensation, and employment practices liability insurance.

License Verified:

License: 0A96080

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.
4.1
Yelp
3.5 / 5 (3)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Business Owners Insurance Agency logo

License Verified:

License: 0H05056

California Department of Insurance

Business Owners Insurance Agency

9466 Black Mountain Road, San Diego, CA 92126
  • Life Insurance

Business Description

Business Owners Insurance Agency is an independent insurance brokerage firm providing a range of insurance solutions to clients in El Cajon. It carries personal insurance products like health insurance, life insurance, homeowners' insurance, and auto insurance. The company also offers comprehensive non-emergency medical transportation insurance coverage. Other products include restaurant insurance and workers’ compensation insurance. The team of professionals at Business Owners Insurance Agency has over 100 years of combined experience in the commercial and personal insurance industry.

License Verified:

License: 0H05056

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
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CPS/Integrated Marketing & Insurance Services logo
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License Verified:

License: 0815822

California Department of Insurance

CPS/Integrated Marketing & Insurance Services

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8447 Miramar Mall, San Diego, CA 92121
  • Life Insurance

Business Description

CPS/Integrated Marketing & Insurance Services is a firm of insurance professionals, financial advisors, and planning attorneys that serves clients in the El Cajon metro. The firm has been operating since 1986 and specializes in wealth-building programs through insurance products. Some of its health insurance products include critical illness coverage, disability income coverage, medical supplements coverage, and linked benefits insurance plans. It also offers insurance plans such as long-term care, life insurance, as well as annuities for both individuals and groups.

License Verified:

License: 0815822

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Haisha Insurance Services Inc. logo
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License Verified:

License: 0H31771

California Department of Insurance

Haisha Insurance Services Inc.

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3691 Via Mercado, La Mesa, CA 91941
  • Individual Plans
  • Life Insurance

Business Description

Haisha Insurance Services Inc. is an independent agency that serves individuals, families, and businesses in the El Cajon metro. It offers a wide range of insurance products, including health insurance policies. It also provides Medicare Advantage and Medicare Supplement insurance plans. Haisha Insurance Services represents various carriers, such as Anthem Blue Cross, Health Net, and Kaiser Permanente. Richard Haisha, the firm's president, holds a bachelor's degree in accounting and a LUTCF designation. He is a member of the National Association of Health Underwriters.

License Verified:

License: 0H31771

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
Health Professionals Insurance Services logo

License Verified:

License: 0B14299

California Department of Insurance

Health Professionals Insurance Services

6265 Greenwich Drive, San Diego, CA 92122
  • Individual Plans
  • Life Insurance
  • Group Health Benefits

Business Description

Health Professionals Insurance Services in San Diego is a licensed insurance brokerage that offers tailored life and health insurance solutions to clients in the El Cajon metro. The firm is headed by Wayne Washkowiak​, an insurance professional who has been in the industry since 1973. It offers health insurance products such as its individual health insurance plans which cover dental care, prescription drugs, paramedical services, out-of-country care, and vision care. It also offers group health plans for long and short-term disabilities.

License Verified:

License: 0B14299

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
Insurance Provider logo

Insurance Provider

860 Jamacha Road, El Cajon, CA 92019
  • Health Insurance
  • Long Term Care

Business Description

Insurance Provider is a life insurance firm that serves clients in El Cajon and the surrounding areas. The business offers a wide range of health insurance products, such as Medicare Supplement, Medicare Advantage, accidental, long-term care, and critical illness plans. Travel insurance is also available. There is a 24/7 support line for clients who need assistance with their health insurance products. The agency has been providing its services to the community for 12 years.

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 (22)

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
Kennedy Insurance Agency logo
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License Verified:

License: 0279555

California Department of Insurance

Kennedy Insurance Agency

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2295 Fletcher Parkway, El Cajon, CA 92020
  • Individual Plans
  • Life Insurance

Business Description

Kennedy Insurance Agency is an insurance service provider that serves clients in and around the El Cajon area. This insurance agency offers an extensive range of personal insurance products, including health insurance plans. Its team provides various healthcare policies, such as individual, family, and group health insurance, dental and vision coverage, temporary health insurance, and long-term care insurance. Furthermore, it also offers supplemental insurance, child health insurance, and medical expense, prescription, and travel health insurance. Locally owned and operated, Kennedy Insurance Agency has been in business since 1987.

License Verified:

License: 0279555

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
Lundy Insurance Services, Inc. logo
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License Verified:

License: 0F95192

California Department of Insurance

Lundy Insurance Services, Inc.

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8220 University Avenue, La Mesa, CA 91942
  • Life Insurance
  • Health Insurance

Business Description

Lundy Insurance Services, Inc., is an independent insurance agency that has been serving the residents of El Cajon and the rest of Southern California for more than 18 years. It offers both individual and family health insurance plans, as well as Medicare supplement insurance and Medicare advantage insurance. President and founder Erick Lundy has been working in the insurance industry for more than 24 years. He has served as president of the San Diego Employee Benefits Council.

License Verified:

License: 0F95192

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 (6)
Yelp
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
Max Morrison logo
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License Verified:

License: 0D49336

California Department of Insurance

Max Morrison

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12600 Stowe Drive, Poway, CA 92064
  • Individual Plans
  • Life Insurance

Business Description

Max Morrison is an insurance agent who has been with State Farm since 2012. He also caters to clients in El Cajon and its nearby communities. He provides different health insurance solutions, such as individual medical, Medicare Supplement, and supplemental health insurance policies. In addition, he offers short- and long-term disability insurance plans. Car, home and property, liability, and small business insurance products are also provided. Max focuses on getting involved in the growth of his community by helping customers acquire the coverage that they need.

License Verified:

License: 0D49336

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 (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
Swanson Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0D43410

California Department of Insurance

Swanson Insurance Agency

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1161 East Main Street, El Cajon, CA 92021
  • Life Insurance

Business Description

Swanson Insurance Agency is an insurance brokerage in El Cajon that offers insurance products to both commercial and individual clients in the metro. The firm is an independent agency and is connected with dozens of A-rated insurance providers in the area. It is capable of presenting diverse health insurance options to clients such as individual and family health coverage, group health insurance, dental and vision coverage, supplemental health insurance, as well as temporary health insurance plans.

License Verified:

License: 0D43410

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.
3.8
Google
4.0 / 5 (14)
Facebook
5.0 / 5 (2)
Yelp
1.0 / 5 (2)
Valuepro Insurance Solutions Inc logo
Visit WebsiteWebsite

License Verified:

License: 0J15386

California Department of Insurance

Valuepro Insurance Solutions Inc

Visit WebsiteWebsite
500 Fesler Street, El Cajon, CA 92020
  • Life Insurance

Business Description

Valuepro Insurance Solutions, Inc. is a full-service agency offering services to El Cajon's residents since 1984. It gives a wide range of insurance solutions such as business, life, auto, and home insurance that meet the needs of families and businesses. In addition, it also provides health insurance products such as dental and vision plans, Medicare, and disability insurance. Valuepro's founder, Louie Cazares started as an independent insurance agent in 1986 and has worked with insurance agencies and carriers which contributed to his knowledge in risk management and employer-focused insurance products.

License Verified:

License: 0J15386

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 (2)
Yelp
5.0 / 5 (1)

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.