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Best Health Insurance Agencies in El Monte

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Apac logo
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License Verified:

License: 0J21933

California Department of Insurance

Apac

9668 Valley Blvd. #103, Rosemead, Ca 91770
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  • Health Insurance

Business Description

Apac is a one-stop community service organization that helps people in the El Monte metro make informed healthcare choices. The organization provides health and dental insurance policies from different carriers such as BlueShield, Anthem Blue Cross, and Molina Healthcare. It also offers guidance in navigating the complexities of Medicare and Medi-Cal, including advanced health plans, prescription drug plans, and hospitalization insurance. Apac was established in 2003. It can assist clients in Cantonese, Mandarin, Vietnamese, and English.

License Verified:

License: 0J21933

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
Google
4.1 / 5 (75)
Yelp
4.0 / 5 (54)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Hector Feria logo
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License Verified:

License: 0I03612

California Department of Insurance

Hector Feria

4260 Santa Anita avenue, El Monte, CA 91731
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  • Medicare Supplements
  • Health Insurance

Business Description

Hector Feria is a State Farm insurance agent that provides insurance solutions for individuals and businesses in El Monte and its surrounding areas. Whether a client is looking for a home, auto, life, business, or health insurance, Hector offers a wide array of plans that can fit their varying coverage needs. For health insurance, he provides supplemental options for primary health insurance and Medicare. Individual medical coverage is also available for individuals without employer-provided health insurance.

License Verified:

License: 0I03612

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.
4.9
Google
4.9 / 5 (65)
Yelp
5.0 / 5 (8)

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
Hoya Insurance Agency logo
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License Verified:

License: 0G32218

California Department of Insurance

Hoya Insurance Agency

8812 E. las tunas drive, San Gabriel, CA 91776
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  • Individual Health Insurance

Business Description

Hoya Insurance Agency provides financial services to clients in El Monte. It offers health insurance solutions and guides individuals on further protection options, like dental and vision coverage. The company also educates clients on the policy's various provisions, including the waiver or return of premium provisions. Other personal insurance products available include life and auto plans. Hoya Insurance Agency is a locally-owned business with a staff fluent in Spanish and Chinese. It works with multiple insurance carriers, including Progressive and The Hartford.

License Verified:

License: 0G32218

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)

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
James Chen logo
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License Verified:

License: 6000310

California Department of Insurance

James Chen

3817 Arden Drive, Unit B, El Monte, CA 91731
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  • Health Insurance

Business Description

James Chen is a State Farm Insurance agent who caters to clients in the El Monte area. He provides health insurance for people who want more coverage than what their company health plan offers. This includes compensation for medical tests, hospitalization, and rehabilitation costs. Clients who are at least 65 years old can get help with enrolling in Medicare. James also offers insurance for autos, homes, and businesses, along with advice on investing in mutual funds and annuities.

License Verified:

License: 6000310

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
Google
4.7 / 5 (43)

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
Ultima Insurance logo
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License Verified:

License: 0652768

California Department of Insurance

Ultima Insurance

3848 East Colorado, #2, Pasadena, CA 91107
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  • Life Insurance
  • Individual Health Insurance

Business Description

Ultima Insurance is an independent firm that serves clients in El Monte. It offers various services, including individual health insurance, which covers surgical, medical, hospital expenses, and prescription drugs. It helps clients understand the different types of health insurance like FFS, HMO, PPO, and POS. The insurance firm also provides auto, homeowner, individual life, and renter insurance. Its commercial insurance covers BOPs, bonds, workers' compensation, and general liability. One of its carriers is Applied Underwriters, a global risk services firm.

License Verified:

License: 0652768

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 (31)
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
––
Veronica's Insurance logo
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License Verified:

License: 0G38861

California Department of Insurance

Veronica's Insurance

290 W Orange Show Rd Suite 100, San Bernardino, CA 92408
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  • Life Insurance

Business Description

Veronica's Insurance is a financial security provider that serves clients based in El Monte. It offers a variety of insurance packages, including health coverage through Covered California and Obamacare. It also facilitates setting up life, automobile, business, home, and renters' insurance. Spanish, Mexican, Peruvian, and Central American employees can cater to the Latino communities in their language. The company has over 25 years of industry experience, covering many locations from Florida to California.

License Verified:

License: 0G38861

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.
4.4
Facebook
4.1 / 5 (141)
Google
4.1 / 5 (130)
Yelp
4.0 / 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
Back to Providers

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.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs